Exhibit 99.2 - Schedule 1
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| Exception Grades | ||||||||||||||||||||||||||||||||||||||||||||||||
| Run Date - 11/2/2026 2:05:02 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 |
| [Redact] | 9953634 | [Redact] | [Redact] | 35001367 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-05): Waived on Rate Lock: Collateral cleared by Custodian |
03/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 9983375 | [Redact] | [Redact] | 35130910 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-16): Waived on Rate Lock: Collateral cleared by Custodian |
02/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 9983375 | [Redact] | [Redact] | 35805530 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 02/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 9983375 | [Redact] | [Redact] | 35805532 | 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 (2026-02-13): Initial CD provided Seller Comment (2026-02-13): [Redacted] [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted]. |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| [Redact] | 10104580 | [Redact] | [Redact] | 35499526 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-19): Waived on Rate Lock: Collateral cleared by Custodian |
02/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10125733 | [Redact] | [Redact] | 35626562 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-16): Waived on Rate Lock: Collateral cleared by Custodian |
02/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10125733 | [Redact] | [Redact] | 35788443 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Per the guidelines and AUS, 2 months statements are required. The file only contained 1 month with an end date of [Redacted]. | Reviewer Comment (2026-02-18): Lender rebuttal states to remove this account from the assets used to qualify. The remaining assets were sufficient for the funds to close and reserves. Reviewer Comment (2026-02-17): Based on final 1003 [Redacted] #[Redacted] is used for the qualification. Please provide the one more month bank statement. Exception Remains. Seller Comment (2026-02-17): [Redacted] [Redacted]: Please note that the [Redacted] account ending in [Redacted] has more than enough funds to cover the cash to close on it's own. The funds from the [Redacted] account ending in [Redacted] were not needed for cash to close, so a 2nd month wouldn't be required. |
02/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redact] | 10125733 | [Redact] | [Redact] | 35788487 | 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. | The commitment title report in file disclosed $[Redacted] of title insurance Coverage; however, this is less than the loan amount of [Redacted] | 02/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10125733 | [Redact] | [Redact] | 35788530 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Reviewer Comment (2026-02-18): Lender rebuttal states to remove this account from the assets used to qualify. The remaining assets were sufficient for the funds to close and reserves. Seller Comment (2026-02-17): [Redacted]: Please note that the [Redacted] ending in x[Redacted] has more than enough funds to cover the cash to close on it's own. The funds from the [Redacted] ending in x[Redacted] were not needed for cash to close, so a 2nd month wouldn't be required. Reviewer Comment (2026-02-12): The condition is firing due to the guideline asset documentation requirements were not met. When two months consecutive statements are provided for the assets used to qualify, the condition will be cleared. Condition remains open Seller Comment (2026-02-12): [Redacted] [Redacted] Disagree. The APR of [Redacted]% minus the APOR of [Redacted]%= difference of [Redacted]% which is below the threshold of [Redacted]%. This loan is Safe Harbor |
02/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| [Redact] | 10125733 | [Redact] | [Redact] | 35795800 | 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: Based on the loan failing one or more guideline components, the loan is at QM risk. | Condition is firing due to the asset documentation requirements not met. | Reviewer Comment (2026-02-18): Lender rebuttal states to remove this account from the assets used to qualify. The remaining assets were sufficient for the funds to close and reserves. Seller Comment (2026-02-17): [Redacted]: Please note that the [Redacted] ending in x[Redacted] has more than enough funds to cover the cash to close on it's own. The funds from the [Redacted] ending in x[Redacted] were not needed for cash to close, so a 2nd month wouldn't be required. |
02/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redact] | 10142498 | [Redact] | [Redact] | 35642428 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-19): Waived on Rate Lock: Collateral cleared by Custodian |
02/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10106524 | [Redact] | 35860965 | 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] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DSCR on the loan is greater than the guideline minimum. |
Reserves: [Redacted] The DSCR of [Redacted] is greater than the minimum required DSCR of [Redacted]. |
[Redact],Aggregator Aggregator |
Reviewer Comment (2026-04-07): Client elected to waive the condition with compensating factors. Reviewer Comment (2026-04-07): Waived in error Reviewer Comment (2026-03-17): Client elects to waive. Proof of no claims submitted. Reviewer Comment (2026-03-13): Received an email however HOI policy is not provided within the note date [Redacted]. Exception Remains. Seller Comment (2026-03-12): Document Reviewer Comment (2026-03-03): Required Hazard Insurance Policy effective [Redacted]. For wet funding states, the policy must have an effective date on or prior to the closing/note date. Exception Remains Seller Comment (2026-03-02): Insurance |
04/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10106524 | [Redact] | 35861084 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided | Reviewer Comment (2026-03-03): Received and associated Title Preliminary. Exception cleared. Seller Comment (2026-03-02): Title |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10106543 | [Redact] | 35873235 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided | Reviewer Comment (2026-03-03): Received and associated Title Preliminary. Exception cleared. Seller Comment (2026-03-02): Title |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10106686 | [Redact] | 35930236 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | The file was missing a copy of the Purchase Agreement / Sales Contract. | Reviewer Comment (2026-03-12): Received and associated Purchase Agreement / Sales Contract. Exception cleared. Seller Comment (2026-03-12): Contract |
03/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106686 | [Redact] | 35934245 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Missing Tax Cert to verify monthly taxes reflected on Final HUD. Please provide lender Tax Calculation Worksheet. | Reviewer Comment (2026-04-15): Documentation provided by the lender to identify the tax amount used to qualify. Note: the tax amount identified by the seller is less than the taxes identified on the Note and HUD, Seller Comment (2026-04-14): Tax memo and supporting documents uploaded. Seller Comment (2026-04-13): "Provided tax cert shows lower tax then lender used to qualify" We provided tax calculation methodology, per discussion with [Redacted] this should be satisfactory. Escalating to them for review. Reviewer Comment (2026-04-13): The tax amount used for qualification on HUD and Note is $ [Redacted]monthly. Provided tax calculation $ [Redacted]is lower than the lender used tax $ [Redacted]for qualification. Please provide the Tax calculation sheet lender used to qualify. Exception Remains. Seller Comment (2026-04-09): Tax calculation was provided in comment above, is this not satisfactory? Reviewer Comment (2026-04-09): Provided tax certificate shows lower tax than lender used to qualify. Please provide the Tax calculation sheet lender used to qualify. Exception Remains. Seller Comment (2026-04-08): Correspondent lender tax calc reads as following: [Redacted](appraised value) x [Redacted](mill rate) = [Redacted]. Mill rate used uploaded as well. Please clear. |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106686 | [Redact] | 35937855 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Reviewer Comment (2026-03-12): Received and associated Closing Protection Letter. Exception cleared. Seller Comment (2026-03-12): CPL attached |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10107019 | [Redact] | 35937550 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DSCR on the loan is greater than the guideline minimum. |
Reserves: [Redacted] The DSCR of [Redacted] is greater than the minimum required DSCR of [Redacted]. |
[Redact],Aggregator Aggregator |
Reviewer Comment (2026-04-07): Client elected to waive the condition with compensating factors. Reviewer Comment (2026-04-07): Waived in error Reviewer Comment (2026-03-18): Client elects to waive. Proof of no claims submitted. Seller Comment (2026-03-18): No Claims Confirmation uploaded per [Redacted] will clear these exceptions. Please review and let us know if any questions or additional info. Thanks |
04/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10179043 | [Redact] | [Redact] | 35921947 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-01): Collateral delivered on [Redacted] via [Redacted]tracking number [Redacted] |
04/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10179043 | [Redact] | [Redact] | 36171777 | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB270 Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-04-02): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in MD is allowable under law. Seller Comment (2026-03-31): Please advise as this was cleared up on your end. Please see loans [Redacted], [Redacted], and [Redacted]. All of there has the same condition as this one and have been cleared on your site. |
04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10214512 | [Redact] | [Redact] | 36086230 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-26): (Rate Lock) [Redacted] |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10214512 | [Redact] | [Redact] | 36831060 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Client approved exception to allow condo that is [Redacted] square feet per appraisal, with no separate bedroom. Per guidelines, Properties less than [Redacted] square feet are ineligible. Lender exception approval provided with compensating factors: [Redacted] months reserves, [Redacted] FICO and [Redacted]%LTV. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Client elects to waive with compensating factors: [Redacted]post-close liquid reserves ([Redacted] months or [Redacted]; [Redacted] subject) | [Redact],Aggregator | Reviewer Comment (2026-06-26): Client elects to waive with compensating factors: [Redacted] well supported in market with comps ranging from [Redacted] sqft, [Redacted] LTV is [Redacted] below max ([Redacted]) and [Redacted] post-close liquid reserves ([Redacted] months or [Redacted] ; [Redacted][Redacted] subject). |
06/26/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||
| [Redact] | 10233092 | [Redact] | [Redact] | 36215783 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-24): collateral delivered[Redacted] via [Redacted]tracking [Redacted] |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10233092 | [Redact] | [Redact] | 36329127 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | The file is missing a copy of the Articles of Organization/Formation. | Reviewer Comment (2026-04-28): Received and associated Articles of Organization/Formation. Exception cleared. Seller Comment (2026-04-27): art of org Reviewer Comment (2026-04-27): Please provide Articles of Organization/Formation for [Redacted]. Exception remain Seller Comment (2026-04-24): ein |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10233092 | [Redact] | [Redact] | 36329128 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The file is missing a copy of the Corporate Resolution. | Reviewer Comment (2026-04-27): Received Operating Agreement shows one single member. Exception cleared. Seller Comment (2026-04-24): operation agreement shows one single member |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10233092 | [Redact] | [Redact] | 36329131 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The file is missing a copy of the Operating Agreement. | Reviewer Comment (2026-04-27): Received Operating Agreement. Exception cleared. Seller Comment (2026-04-24): operation agreement |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10233092 | [Redact] | [Redact] | 36329144 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): 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. | 04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10233092 | [Redact] | [Redact] | 36332097 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of good standing was not provided. | Reviewer Comment (2026-04-28): Received and associated Certificate of Good Standing. Exception cleared. Seller Comment (2026-04-27): cogs |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10250309 | [Redact] | [Redact] | 36242889 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-12): Waived on Rate Lock: Collateral cleared by Custodian |
05/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10250309 | [Redact] | [Redact] | 36392792 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was not provided. | 05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10250309 | [Redact] | [Redact] | 36392950 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per guidelines, business funds can only be used if documentation is provided to verify borrower's percentage of ownership. Missing CPA Letter or Business formation documents. | Reviewer Comment (2026-08-06): Proof of access to the business funds provided Seller Comment (2026-08-05): Please see attached articles from [Redacted]that shows the borrower is the owner of the business with all the shares from the name change Reviewer Comment (2026-05-13): The received Business Entity Listing document does not reflect the borrower's ownership percentage in the business. Kindly provide a supporting document to verify the borrower's ownership in the business. The exception remains Seller Comment (2026-05-12): Please see attached business se[Redacted]. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10254328 | [Redact] | [Redact] | 36258827 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-27): Waived on Rate Lock: Collateral cleared by Custodian |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10256022 | [Redact] | 36293442 | 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. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10256022 | [Redact] | 36295930 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-04-30): Initial and Final Grade B, accepted |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256022 | [Redact] | 36297189 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Please provide a Tax Cert which is in line with the calculated taxes ($[Redacted] per month) on the 1003. | Reviewer Comment (2026-05-28): Revised tax cert provided and seller confirmed DSCR of [Redacted]. Seller Comment (2026-05-28): Taxes are actually neither. I uploaded the tax calculator and a new 1008. They should have been [Redacted] since it's a purchase and we need to use taxes without exemptions. DSCR still works at [Redacted] ratio. Reviewer Comment (2026-04-20): The file 1003 identified $[Redacted] in property taxes were included in the PITIA in section L3. [Redacted] Loan Information. Missing documentation to verify the amount of taxes used to qualify. The tax bill in file verified taxes of $[Redacted] or $[Redacted] for the [Redacted] taxes. Condition is valid and remains open Seller Comment (2026-04-17): Please clarify. The 1003 does not list out taxes..do you mean the 1008? |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10256022 | [Redact] | 36298330 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | HOA Error: HOA dues not provided. | Per the final 1003 and the fees on page 2 of the Closing Disclosure, the lender qualified with HOA dues. The appraisal did not identify the HOA dues and documentation to verify the HOA dues amount was missing. | Reviewer Comment (2026-08-13): Proof of HOA dues provided Reviewer Comment (2026-07-20): Revised Mortgage, including the PUD Rider was provided. However, now that the property is identified as a PUD, a revised appraisal, correcting the property type and including the HOA information (including dues) is required. Condition is valid and remains open Seller Comment (2026-07-20): Corrected Mtg with PUD Rider |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10256022 | [Redact] | 37028182 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Property type discrepancy. | Appraisal property type of ___ does not match Guideline property type of ___. | Revised Mortgage, including the PUD Rider was provided. However, now that the property is identified as a PUD, a revised appraisal, correcting the property type and including the HOA information (including dues) is required. Condition is valid and remains open | 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. The qualifying DSCR on the loan is greater than the guideline minimum. |
[Redacted] months reserves [Redacted] DSCR. |
[Redact],Aggregator [Redact] [Redact] Aggregator |
Reviewer Comment (2026-08-13): The appraiser will not update the appraisal to a PUD. Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves, [Redacted]DSCR. Buyer Comment (2026-08-13): HOA Estoppel |
08/13/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10263394 | [Redact] | [Redact] | 36304122 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-19): [Redacted]Tracking Number [Redacted] |
05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10264284 | [Redact] | [Redact] | 36310364 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-03): Waived on Rate Lock: Collateral cleared by Custodian |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10264292 | [Redact] | [Redact] | 36310366 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-08): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10264292 | [Redact] | [Redact] | 36660642 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal was not provided at or before closing. | 06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10264292 | [Redact] | [Redact] | 36660643 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal was not provided at or before closing. | 06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10264292 | [Redact] | [Redact] | 36671162 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-07-27): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-27): Please find attached Borrower Business Purpose Certification |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10265876 | [Redact] | [Redact] | 36315616 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10265879 | [Redact] | [Redact] | 36315617 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-24): Waived on Rate Lock: Collateral cleared by Custodian |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10265879 | [Redact] | [Redact] | 36969516 | 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. | The title policy amount of $[Redacted] is less than the note amount of $[Redacted] based on the commitment in file. | 07/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10266180 | [Redact] | [Redact] | 36316204 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-28): Waived on Rate Lock: Collateral cleared by Custodian |
08/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10266183 | [Redact] | [Redact] | 36316206 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-17): Waived on Rate Lock: Collateral cleared by Custodian |
08/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10263260 | [Redact] | 36358004 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10284718 | [Redact] | 36388098 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | The file was missing a copy of the Articles of Organization/Formation. | Reviewer Comment (2026-05-19): LLC docs provided Seller Comment (2026-05-18): See attached. Seller Comment (2026-05-18): Seller requests buyer review: See attached. |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10284718 | [Redact] | 36388100 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | The file was missing a copy of the Certificate of Good Standing. | Reviewer Comment (2026-05-19): LLC docs provided Seller Comment (2026-05-18): See attached. |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10284718 | [Redact] | 36388103 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The file was missing a copy of the Corporate Resolution. | Reviewer Comment (2026-05-19): LLC docs provided Seller Comment (2026-05-18): Corporate resolution would not be applicable for a solely owned LLC per guidelines |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10284718 | [Redact] | 36388108 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The file was missing a copy of the Operating Agreement. | Reviewer Comment (2026-05-19): LLC docs provided Seller Comment (2026-05-18): Corporate resolution would not be applicable for a solely owned LLC per guidelines Seller Comment (2026-05-18): See attached |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10284718 | [Redact] | 36397585 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | The file is missing a copy of the gift letter, required by the guidelines. | Reviewer Comment (2026-05-19): Sales contract addendum and contract identified the gift of equity. Seller Comment (2026-05-18): Captured via purchase contract/addendums |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10291333 | [Redact] | [Redact] | 36378275 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-22): collateral delivered [Redacted] via [Redacted]tracking [Redacted] |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10291333 | [Redact] | [Redact] | 36728016 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Signed copy of Business Purpose Certificate is not available. | Reviewer Comment (2026-06-17): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-17): business purpose |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10291977 | [Redact] | [Redact] | 36387498 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-22): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10291977 | [Redact] | [Redact] | 37013497 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | The verification appraisal delivered to the borrower was not provided. | 07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10291977 | [Redact] | [Redact] | 37029433 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-07-22): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-22): Please see attached business purpose cert. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10291977 | [Redact] | [Redact] | 37029446 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | The subject is a refinance and is vacant. Per the guides, [Redacted]% of the market rent is used when the property is vacant on a refinance. The min DSCR is [Redacted]. Note: the loan does not meet the parameters per the guides for a DSCR of [Redacted]. | Reviewer Comment (2026-08-04): Received updated final tax bill meets the DSCR requirements. Exception cleared. Seller Comment (2026-08-03): Hello - we provided final tax bill. the $ [Redacted]k was an estimate from smart fees, this document uses the actual tax rate. Reviewer Comment (2026-07-31): Rental amount [Redacted]% is $ [Redacted]and total expenses verified $ [Redacted], tax amount verified $ [Redacted]however UW sheet shows lower amount $ [Redacted]. DSCR is [Redacted]less than the guideline requirement. Exception remains. Seller Comment (2026-07-30): UW management response: The worksheet manually calcs the [Redacted]% factor when the "Vacant Refinance" is marked yes. $ [Redacted]x [Redacted]% = $ [Redacted]/ $ [Redacted]= [Redacted]DSCR. Reviewer Comment (2026-07-29): Provided Tax certificate does not match the UW calculation $ [Redacted]. Received same DSCR worksheet already available in file shows rent amount $ [Redacted]. The subject is a refinance and is vacant. Per the guides, [Redacted]% of the market rent is used when the property is vacant on a refinance. The min DSCR is [Redacted]. Note: the loan does not meet the parameters per the guides for a DSCR of [Redacted]. Exception remains. Seller Comment (2026-07-28): Corrected taxes, DSCR is now [Redacted] - please see attached. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10296043 | [Redact] | [Redact] | 36402423 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10296043 | [Redact] | [Redact] | 37035145 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Reviewer Comment (2026-08-19): Agreement provided. Exception cleared. Seller Comment (2026-08-19): (Rate Lock) Guarantor Agreement |
08/19/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10296043 | [Redact] | [Redact] | 37035437 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 07/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10299695 | [Redact] | [Redact] | 36431574 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-11): Waived on Rate Lock: Collateral cleared by Custodian |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10306848 | [Redact] | [Redact] | 36460669 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-19): Waived on Rate Lock: Collateral cleared by Custodian |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10306848 | [Redact] | [Redact] | 37222094 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on an Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-08-13): Client elected to waive the condition on the Non-QM 1st lien |
08/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10298009 | [Redact] | 36478720 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-18): Initial and Final Grade B, accepted |
05/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10298009 | [Redact] | 36478804 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. | Flood Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves. | [Redact],Aggregator [Redact] |
Reviewer Comment (2026-09-28): Sufficient coverage verified; however the sufficient coverage was not in effect at closing. Client elected to waive the condition with the following Compensating factors: [Redacted][Redacted] reserves. LTV [Redacted]% Buyer Comment (2026-09-25): Insurance stepped up to [Redacted] Reviewer Comment (2026-06-05): The email provided does not clarify the replacement cost or if the flood policy contained guaranteed replacement cost coverage. The email appears to be cutoff as the insurance company states the policy covers up to $[Redacted], Beyond that, eith......Conformation the policy contains 100% guaranteed replacement cost coverage or additional coverage is required. Condition remains Seller Comment (2026-06-04): please see email explaining the RCE is covered at 100% Reviewer Comment (2026-06-01): The email provided does not clarify the replacement cost or if the flood policy contained guaranteed replacement cost coverage. The email appears to be cutoff as the insurance company states the policy covers up to $[Redacted], Beyond that, eith......Conformation the policy contains 100% guaranteed replacement cost coverage or additional coverage is required. Condition remains Seller Comment (2026-06-01): hello, please find attached letter from insurance agent Reviewer Comment (2026-06-01): The required Flood Insurance coverage amount calculated did use the RCE provided and coverage was insufficient by $[Redacted]. However, if the RCE was not used, coverage is insufficient by $[Redacted] as $[Redacted] is the minimum flood coverage required. The condition is valid and remains open Seller Comment (2026-06-01): Are you basing your opinion that the loan is short coverage based on the RCE the HOI company provided for the hazard policy with [Redacted]. See policy and RCE in the file. That is homeowners insurance only. That RCE does not apply for the flood policy. Since the NFIP only goes up to [Redacted] in coverage their scale is different. We cannot ask for an RCE on ANY flood insurance policy in [Redact]. we have flood coverage. please escalate Seller Comment (2026-05-29): hi. please clarify. Flood insurance has coverage. it is not required to be the same as the HOI of [Redacted]...where are you understanding the flood coverage needs to be [Redacted]? Reviewer Comment (2026-05-21): An additional copy of the HOI dec page provided. The HOI coverage is sufficient. The condition is set due to the FLOOD insurance coverage is insufficient by $[Redacted]. The flood insurance dec page in file verified coverage of $[Redacted]. Condition is valid and remains open Seller Comment (2026-05-21): coverage showing $[Redacted]. please clarify |
09/28/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10309150 | [Redact] | [Redact] | 36485360 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-16): collateral delivered [Redacted] via [Redacted]tracking [Redacted] |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10309150 | [Redact] | [Redact] | 36697641 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-08-12): Received Replacement Cost Estimator. Exception cleared. Seller Comment (2026-08-12): checklist of coverage Reviewer Comment (2026-06-12): HOI with extended coverage is not available. Please provide the updated HOI policy or HOI with guaranteed replacement. Exception remains. Seller Comment (2026-06-11): This is a DP3 policy with extended coverage. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10313376 | [Redact] | [Redact] | 36490894 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-15): [Redacted]Tracking Number [Redacted] |
06/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10313376 | [Redact] | [Redact] | 36681137 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of insurance verification. | Reviewer Comment (2026-06-15): Received HOI policy. Exception cleared. Seller Comment (2026-06-12): Please see attached HOI policy to clear condition |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10313376 | [Redact] | [Redact] | 36681139 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of tax verification and insurance verification. | Reviewer Comment (2026-08-04): Seller provided an address affidavit verifying the properties are one and the same. Reviewer Comment (2026-07-30): Client to review. Loan file does not contain documentation to support that properties are one and the same. Lender provided an affidavit stating properties are one and the same. Seller Comment (2026-07-28): Please see attached copy of address affidavit confirming that [Redacted] and [Redacted] are one and the same. Additionally, please see revised 1003/1008 to clear remaining condition. Reviewer Comment (2026-07-22): The docs provided and clarification needed based on some conflicting information. Below is a breakdown of the docs in file: Final 1003 identifies [Redacted] properties owned by the borrower. [Redacted] (departure residence/pending sale), [Redacted] (not documented and qualified with [Redacted] REO expenses and identified as pending sale), [Redacted] (REO expenses fully documented), and [Redacted] (REO in question). Last rebuttal references an email from the county regarding the Geocode #. The email states there are two [Redacted] active addresses for the Geocode; [Redacted] and [Redacted]. There is no mention of the address [Redacted], which appears to be a valid address as there is an HOI dec page in file for this property. Based on the documentation provided, it appears that [Redacted] and [Redacted] may be one and the same property. The tax cert and property profile in file associates Geocode [Redacted] as [Redacted]. Geocode [Redacted] is associated with [Redacted] on the county lookup but the tax cert with the Geocode does not identify an address. The taxes on the tax cert for Geocode [Redacted] are $[Redacted] per month compared to the $[Redacted] per month used to qualify and disclosed on the final 1003. Provide an address cert/affidavit confirming [Redacted] and [Redacted] are one and the same property AND revised 1003 correcting the REO section to only include [Redacted] properties: [Redacted], [Redacted], and [Redacted]/[Redacted] AND updating the REO expenses to $[Redacted] (HOI $[Redacted]/month + Taxes $[Redacted]/month). Seller Comment (2026-07-21): Please see attached Tax Bill labeled tract [Redacted], which per the processor and GIS, is applicable to the REO property located at [Redacted]. Monthly tax amount at $[Redacted] is correct. Kindly remove condition Reviewer Comment (2026-07-09): The multiple versions of documents provided to clear the condition are not clear and there is some conflicting information. The final 1003 identified the borrower owned [Redacted] properties prior to the subject. Clarification and documentation to verify the expenses and status of the properties is required. [Redacted] was identified as the primary residence and is pending sale. The PITIA for this property was (including the new Bridge loan) were excluded from the DTI. Note: the file is missing a copy of the bridge note and proof of funds used for closing of the subject. [Redacted] [Redacted] was identified as an investment property and is a pending sale. There were no expenses included in the DTI for this property as it appears it is a lot intended to be sold with [Redacted]. Need clarification. [Redacted] was identified as an investment property. The expenses for this REO have been documented. Nothing else needed for this REO. [Redacted] was identified as an investment property that will be retained and qualified with expenses of $[Redacted]. A copy of the HOI for this property was provided, but we are still missing proof of the taxes. Note: the rebuttals provided appear to be trying to explain that this property is one and the same as the others on [Redacted][Redacted] and is a lot. However, an internet se[Redacted] identified there is a 2 br/2 ba SFR on the property and the lot is [Redacted] acres. This property is separate from the two properties on [Redacted][Redacted] and proof of the taxes is required. Additional documentation and clarification is required. Conditions are valid and remain open Seller Comment (2026-07-08): Please see attached email from processor explaining the land tract and how it relates to the property taxes. Additionally, all REO supporting docs are in the trailing file as well. [Redacted] believes that this is more than sufficient to clear this condition. Kindly remove condition Reviewer Comment (2026-07-01): We have a HOI for the property #[Redacted]. To consider the tax amount $[Redacted] require Tax verification showing property address #[Redacted]. Exception remains. Seller Comment (2026-06-30): Kindly see attached Final rebuttal from [Redacted]. Based off of all the documentation, [Redacted] believes that all of the REO properties sit on the same tract of land. The property taxes for [Redacted] Rd covers for [Redacted], making up the $[Redacted] you are missing from your calculations. Kindly review and clear this condition to complete the loan. Thank you! Reviewer Comment (2026-06-30): The provided email conversation is about different property #[Redacted] [Redacted], also previously provided property report and tax amount [Redacted] belongs to the property #[Redacted]. Property #[Redacted] is listed on the final 1003. We require REO expenses $[Redacted] verification for the property #[Redacted]. Exception remains. Seller Comment (2026-06-29): Please see attached. All REO properties sit on the same tract of land and taxes on [Redacted] covers for REO. Annual Taxes in the amount of [Redacted] come out to $[Redacted]. Kindly clear this condition Reviewer Comment (2026-06-26): Received property report for the property #[Redacted]. Please provide the documentation for the remaining expenses $[Redacted], also there is no documentation stating 'no taxes paid by the borrower'. Exception remains. Seller Comment (2026-06-25): previously mentioned in the trailing document, branch and title confirmed there is no taxes on REO property. Upload HOI on REO property is sufficient to clear this condition. Kindly remove condition Reviewer Comment (2026-06-22): An additional copy of the property profile report for a property located at [Redacted]. The file is missing proof of the REO expenses for [Redacted]. Condition remains open Seller Comment (2026-06-22): Please see attached taxes in the amount of [Redacted]. Kindly remove condition Reviewer Comment (2026-06-19): The REO in question is disclosed on the final 1003 with expenses of $[Redacted]/month. Lender's rebuttal states they "don't see the address on anything". There is a LOE from the borrower identifying this property having no HOA dues and the file contained the HOI dec page. Proof of the taxes for the REO are required. Condition is valid and remains open Seller Comment (2026-06-19): Please see doc [Redacted] page [Redacted] for clarification to remove condition Reviewer Comment (2026-06-19): The property is reported on 1003 and fraud report showing 'address associated with borrower'. Please provide the proof of document showing property doesn't belong to borrower or please provide the Tax verification. Exception remains. Seller Comment (2026-06-17): Please see attached. The address in question was an old address and there is no additional REO. Kindly remove condition Reviewer Comment (2026-06-15): Doc id [Redacted] is not for the property in question. The tax cert identified a property located at [Redacted]. Condition is valid and remains open Reviewer Comment (2026-06-15): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Insurance Verification, Tax Verification Seller Comment (2026-06-15): Please see doc [Redacted] page [Redacted] for Tax Cert. Kindly remove condition Reviewer Comment (2026-06-15): The provided parcel Map does not show the tax amount. Please provide the tax verification for property #[Redacted]. Exception remains. Seller Comment (2026-06-12): Please see attached HOI and tax verification to clear condition |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10313376 | [Redact] | [Redact] | 36681864 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | 06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10313376 | [Redact] | [Redact] | 36693474 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). | On both the initial and final 1003s, the borrower selected that they will occupy the property as their primary residence in the declarations section. | 06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10313376 | [Redact] | [Redact] | 36923969 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Upon further review, the file is missing proof of the net proceeds of $[Redacted] from the bridge loan on the borrower's departure residence that was listed for sale. | Reviewer Comment (2026-07-22): Received HUD/CD for the net proceeds of $[Redacted]. Exception cleared. Seller Comment (2026-07-21): Please see attached copy of CD for Bridge Loa to clear this condition |
07/22/2026 | No | 1 | A | A | A | A | A | [Redact] | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||||||
| [Redact] | 10313361 | [Redact] | [Redact] | 36490916 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10313361 | [Redact] | [Redact] | 36633665 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Final Closing Disclosure/First Payment Letter was not provided. | Reviewer Comment (2026-06-08): REO expenses documented Seller Comment (2026-06-08): [Redacted]: Please note that the remaining $[Redacted]is the HOA dues for the property. Please see the attached documentation to show that the REO property requires annual HOA dues of $[Redacted], which breaks down to $[Redacted]a month. Reviewer Comment (2026-06-08): Verified Taxes $[Redacted] per month, Insurance [Redacted] per month. Per updated 1003 total expenses $[Redacted]. Please provide the documentation for remaining expenses $[Redacted]. Exception remains. Seller Comment (2026-06-05): [Redacted] [Redacted]: Please see the attached updated 1003 and 1008 with the corrected expenses for the REO property. Reviewer Comment (2026-06-05): Received loan denial letter, final 1003 is included with the mortgage payments of the property, the expenses are included in the qualification. Please provide the updated 1003 and 1008. Exception remains. Seller Comment (2026-06-04): [Redacted]: Please see the attached documentation showing that the [Redacted] loan on the property at [Redacted] was rejected by [Redacted] and did not close. Supporting documentation provided to confirm the [Redacted] loan number and property address. |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10313361 | [Redact] | [Redact] | 36633735 | 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 $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-06-25): Cured at close. Seller Comment (2026-06-11): [Redacted] [Redacted] The appraisal 2 fee increased from $[Redacted] to $[Redacted]for complexity due to the acreage based on the invoice from the [Redacted] ([Redacted]. There was a COFC to increase the Appraisal amount on [Redacted] a LE was disclosed same day. The additional $[Redacted]increase to $[Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal 2 Fee. Reviewer Comment (2026-06-11): [Redacted] received the rebuttal comment. However, doc ID [Redacted] (LE dated [Redacted]) reflects a second appraisal fee of $[Redacted], and doc ID [Redacted](CD dated [Redacted]) reflects a survey fee of $[Redacted], both of which were added without a valid Change of Circumstance (COC). Therefore, based on the baseline, the total refund due to the borrower is $[Redacted](comprising $[Redacted]for the second appraisal and $[Redacted]for the survey fee). However, a cure of $[Redacted]was provided at closing, which is insufficient to cure both exceptions. Accordingly, an additional cure of $[Redacted], along with supporting cure documentation, is required to resolve this exception. Please provide a valid COC for the added fees; otherwise, the cure amount remains due to the borrower. Seller Comment (2026-06-09): [Redacted] [Redacted] The appraisal 2 fee increased from $[Redacted] to $[Redacted]for complexity due to the acreage based on the invoice from the [Redacted] ([Redacted]). There was a COFC to increase the Appraisal amount on [Redacted] a LE was disclosed same day. The additional $[Redacted]increase to $[Redacted]Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal 2 Fee. Reviewer Comment (2026-06-09): [Redacted] upon review the Second appraisal fee were added on LE dated /[Redacted] for $[Redacted]. Kindly provide a valid COC for the fee added or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Seller Comment (2026-06-05): Please provide your math, [Redacted] gave [Redacted]% tolerance Reviewer Comment (2026-06-05): [Redacted]: Cure provided at closing is insufficient to cure for all the citing [Redacted]% exception. We also required additional cure of $[Redacted] for the fees are exceeds [Redacted]% tolerance. Provide refund cure of $[Redacted] with Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Seller Comment (2026-06-04): Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal 2 Fee. |
06/25/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | 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 | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10313361 | [Redact] | [Redact] | 36633736 | 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. | Survey Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-06-24): Cured at closing or within [Redacted] days of consummation prior to TPR review Seller Comment (2026-06-11): [Redacted] [Redacted] The appraisal 2 fee increased from $[Redacted] to $[Redacted] for complexity due to the acreage based on the invoice from the [Redacted] ([Redacted]). There was a COFC to increase the Appraisal amount on [Redacted] a LE was disclosed same day. The additional $[Redacted]increase to $[Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal 2 Fee. Reviewer Comment (2026-06-11): [Redacted] received the rebuttal comment. However, doc ID [Redacted](LE dated [Redacted]) reflects a second appraisal fee of $[Redacted], and doc ID [Redacted](CD dated [Redacted]) reflects a survey fee of $[Redacted], both of which were added without a valid Change of Circumstance (COC). Therefore, based on the baseline, the total refund due to the borrower is $[Redacted](comprising $[Redacted]for the second appraisal and $[Redacted]for the survey fee). However, a cure of $[Redacted]was provided at closing, which is insufficient to cure both exceptions. Accordingly, an additional cure of $[Redacted], along with supporting cure documentation, is required to resolve this exception. Please provide a valid COC for the added fees; otherwise, the cure amount remains due to the borrower. Seller Comment (2026-06-09): [Redacted] [Redacted] Please clear stip, [Redacted] gave the tolerance cure that is being stated in the stip of $[Redacted]for the survey fee. The [Redacted] comment that states "[Redacted]: Cure provided at closing is insufficient to cure for all the citing [Redacted]% exception. We also required additional cure of $[Redacted]for the fees are exceeds[Redacted]% tolerance. Provide refund cure of $[Redacted]with Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check." is regarding condition [Redacted]for the Appraisal 2 fee not the survey fee, therefore there is nothing more needed for this specific stip for condition [Redacted]. If you may disagree please provide specific guidance on why the cure for the survey fee is not sufficient. Reviewer Comment (2026-06-09): [Redacted] upon review the Survey fee were added on CD dated [Redacted]/[Redacted] for $[Redacted]. Kindly provide a valid COC for the fee added or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Also, the total cure requirement in order to cure both the second appraisal and survey fee are $[Redacted]whereas the cure provided on Final CD $[Redacted] which is insufficient to cure both the exceptions. Seller Comment (2026-06-05): Please provide your math, [Redacted] gave [Redacted]% tolerance Reviewer Comment (2026-06-05): [Redacted]: Cure provided at closing is insufficient to cure for all the citing [Redacted]% exception. We also required additional cure of $[Redacted]for the fees are exceeds[Redacted]% tolerance. Provide refund cure of $[Redacted]with Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Seller Comment (2026-06-04): Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Survey Fee. |
06/24/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | 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 | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10313361 | [Redact] | [Redact] | 36818374 | 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 Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cured at close. | Reviewer Comment (2026-06-24): Sufficient Cure Provided At Closing |
06/24/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||
| [Redact] | 10313406 | [Redact] | [Redact] | 36494479 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-01): Please find listed [Redacted]Tracking ID: [Redacted], delivered [Redacted] |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10297984 | [Redact] | 36534573 | 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. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10297984 | [Redact] | 36534601 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted], or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-05-21): RCE provided Seller Comment (2026-05-20): RCE |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10297984 | [Redact] | 36534890 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-05-21): Initial and Final Grade B, accepted |
05/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10297984 | [Redact] | 36539853 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | The file is missing a copy of the Prepayment Addendum to the Note. | Reviewer Comment (2026-10-09): PPP Addendum to the Note provided Seller Comment (2026-10-08): pp rider Seller Comment (2026-10-08): PP addendum Reviewer Comment (2026-05-22): An additional copy of the addendum included in the initial file was provided. The addendum does not identify the PPP terms. Condition is valid and remains open Seller Comment (2026-05-22): note and addendum. |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | Yes | ||||||||||||
| [Redact] | 10315533 | [Redact] | [Redact] | 36540330 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-05): (Rate Lock) ORIGINAL NOTE DELIVERED [Redacted] PER [Redacted]TRACKING [Redacted] |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | D | A | A | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10315533 | [Redact] | [Redact] | 37135807 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Loan is to be securitized. Secondary valuation is missing. | Reviewer Comment (2026-08-20): Received CDA. Exception cleared. Seller Comment (2026-08-19): (Rate Lock) CDA Reviewer Comment (2026-08-06): The CU score is [Redacted] which is not an acceptable secondary valuation. Condition is valid, a CDA or other acceptable secondary valuation is required. Seller Comment (2026-08-05): (Rate Lock) Per uw, appraisal supported by CU score under [Redacted], so CDA not required. |
08/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Primary | Purchase | D | A | A | A | A | A | D | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10297981 | [Redact] | 36585936 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | LTV reduced by [Redacted]% for [Redacted] Investor. Lender exception approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. The qualifying DSCR on the loan is greater than the guideline minimum. |
[Redacted] months reserves. DSCR [Redacted] |
[Redact],Originator Pre-Close,Aggregator [Redact] Originator Pre-Close,Aggregator |
Reviewer Comment (2026-05-28): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves + DSCR [Redacted] |
05/28/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||
| [Redact] | 10322702 | [Redact] | [Redact] | 36580469 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325362 | [Redact] | [Redact] | 36914970 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | The file is missing a copy of Divorce Decree / Child Support to verify the child support liability disclosed on the credit report of $[Redacted] per month. | Reviewer Comment (2026-07-10): Child Support order provided Seller Comment (2026-07-10): Child support |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10325362 | [Redact] | [Redact] | 36915064 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-07-08): Client elected to waive the condition on the Non-QM 1st lien |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10325362 | [Redact] | [Redact] | 36915785 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file is missing a copy of VA Verification of Benefits. | Reviewer Comment (2026-07-10): Proof of VA Benefits provided Reviewer Comment (2026-07-10): VA certificate is issued for different property #[Redacted], year of [Redacted]. Please provide the award letter VA Verification of Benefits for the VA Service-Related Disability. Exception remains. Seller Comment (2026-07-09): See upload 3r paragraph from the bottom. This is consistent with the deposits on bank statements pg [Redacted] [Redacted] and [Redacted] |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10325362 | [Redact] | [Redact] | 36920059 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing mortgage statement to verify if escrow is included. | Reviewer Comment (2026-07-10): First payment letter provided. Taxes and Insurance were not escrowed. New condition set Reviewer Comment (2026-07-10): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted][Redacted] PRIOR Exception Explanation: Insurance Verification, Statement Seller Comment (2026-07-10): First Payment Letter Reviewer Comment (2026-07-10): Received same mortgage for the account #[Redacted] which was already available in file.1003 shows [Redacted] mortgages for the property #[Redacted]. Please provide the mortgage statement for the new refinance account #[Redacted]. Exception remains. Seller Comment (2026-07-09): Escrow included |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10325362 | [Redact] | [Redact] | 36920084 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | The difference in the DTI is due to the lender qualified the borrower with no consumer debts to calculate the DTI of [Redacted]%. The file did not contain proof the debts of $[Redacted] were paid off. | Reviewer Comment (2026-07-10): Received credit report showing account is closed. Exception cleared. Seller Comment (2026-07-09): Credit Supplement |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10325362 | [Redact] | [Redact] | 36920325 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-09): [Redacted]Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10325362 | [Redact] | [Redact] | 36944136 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | First payment letter provided for the REO and taxes and insurance were not escrowed. Provide proof of the taxes and insurance on the property. Note: lender qualified with a PITIA of $[Redacted] | Reviewer Comment (2026-08-04): Received updated 1003 and 1008. Exception cleared. Seller Comment (2026-08-04): Negative rental shows [Redacted] Reviewer Comment (2026-07-31): Negative rental income verified [Redacted] includes Taxes $[Redacted], Insurance $[Redacted], Mortgage payments $[Redacted] and [Redacted] of $[Redacted] monthly rent considered which results [Redacted] rental income. However the updated 1003's for the same borrower are showing higher expenses $[Redacted] & $[Redacted]. Please provide the corrected 1003 & 1008 or provide the proof of additional expenses. Exception remains. Seller Comment (2026-07-30): . Seller Comment (2026-07-30): Please advise where you are getting those numbers from. The Note on [Redacted] states "Provided Insurance Verification document reflects $[Redacted],Tax Verification $[Redacted] and P&I $[Redacted], however, final 1003 listed other payment as $[Redacted]. Please provide supporting document for other payment of $[Redacted]. Exception remains". The [Redacted] is the negative rental income. Please advise what you have verified or expenses. Reviewer Comment (2026-07-29): Received two updated 1003 however expenses are varies on both the 1003's $[Redacted] & $[Redacted] vs actual verified expenses $[Redacted]. Please provide the corrected 1003 or provide the proof of remaining expenses. Exception remains. Seller Comment (2026-07-28): Correction Seller Comment (2026-07-28): Docs Reviewer Comment (2026-07-27): Provided Insurance Verification document reflects $[Redacted],Tax Verification$[Redacted] and P&I $[Redacted], however, final 1003 listed other payment as $[Redacted]. Please provide supporting document for other payment of $[Redacted]. Exception remains Seller Comment (2026-07-23): here are all the tax docs related to the REO. I believe there may be additional taxes which over the rest of the expenses. Reviewer Comment (2026-07-22): Received and considered tax parcel number with the address verification. However final 1003 is showing total expenses $[Redacted], tax $[Redacted] & insurance $[Redacted], P&I $[Redacted] verified. Please provide the proof of verification for the remaining expenses $[Redacted]. Exception remains. Seller Comment (2026-07-21): Here is a parcel look up with address with matches parcel number on the tax bill Reviewer Comment (2026-07-21): Provided tax certificate is not showing the property address, unable to verify the property address. Please provide the tax verification with the property address. Exception remains. Seller Comment (2026-07-20): tax bill Reviewer Comment (2026-07-17): We are not requesting the First Payment Letter address. The tax documents provided do not display the property address. Please provide a tax verification document that clearly reflects the property address for verification purposes. Exception remains. Seller Comment (2026-07-15): Please check again. The address on the First payment letter first pages is the mailing address. See page [Redacted] [Redacted] [Redacted]where it says property address Reviewer Comment (2026-07-15): Provided tax documents are not showing the property address. Please provide the tax verification with the property address. Exception remains. Seller Comment (2026-07-13): Docs |
08/04/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||||||
| [Redact] | 10326633 | [Redact] | [Redact] | 36604321 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-23): Waived on Rate Lock: Collateral cleared by Custodian |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10326633 | [Redact] | [Redact] | 36885058 | 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 file was missing a copy of the Initial Closing Disclosure. | Reviewer Comment (2026-07-09): [Redacted] received [Redacted] Initial CD, 3 business days prior to the consummation. Seller Comment (2026-07-08): [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted] |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| [Redact] | 10326633 | [Redact] | [Redact] | 36899781 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reserves of $[Redacted] were required per the DU. The assets verified were sufficient for the funds to close but not the reserves. The difference is due to the $[Redacted] and $[Redacted] earnest money deposits were drawn on accounts after the statement dates in file. | Reviewer Comment (2026-07-31): Stock account received Reviewer Comment (2026-07-31): Considered stock account #[Redacted]. However the final 1003 does not reflect the stock account #[Redacted]. Please provide the updated 1003 reflecting the inclusion of Stock Account #[Redacted]. The exception remains. Seller Comment (2026-07-29): [Redacted]: Please see the attached asset that was already provided and based on Fannie Mae B3-4.3-01, Stocks, Stock Options, Bonds, and Mutual Funds ([Redacted]) "When used for the down payment or closing costs, if the value of the asset (as determined above) is at least 20% more than the amount of funds needed for the down payment and closing costs, no documentation of the borrower's actual receipt of funds realized from the sale or liquidation is required." Between cash to close and reserves the borrower needed to $[Redacted] in available funds, and had $[Redacted] verified after accounting for backing out a 401k loan and both EMDs. While the [Redacted] EMD cleared [Redacted][Redacted] after the statement end date and the ending balance was less than the EMD, the borrower other asset accounts had sufficient funds to source the EMD. Even if the [Redacted][Redacted] ending balance of $[Redacted] was removed from the loan, the file would still maintain sufficient funds to close. Reviewer Comment (2026-07-27): Per the final 1003, Stock Account ending in [Redacted] is not being used for qualifying purposes. Please provide a corrected 1003 reflecting the inclusion of Stock Account ending in [Redacted]. The exception remains Seller Comment (2026-07-24): [Redacted]: Please see the attached stock account the borrower has to support the funds to close and Reserves. Reviewer Comment (2026-07-16): The assets required to be verified are $[Redacted], including $[Redacted] cash to close ($[Redacted] EMD + $[Redacted] cash from borrower at closing) + $[Redacted] reserves required by DU for the Open [Redacted] account. Total assets verified were $[Redacted], including $[Redacted] from account xx[Redacted] as of [Redacted]; $[Redacted] from account xx[Redacted] as of [Redacted]; $[Redacted] from account [Redacted] using [Redacted] as of [Redacted]; and $[Redacted] from the 401k account using [Redacted] and reducing the balance by the $[Redacted] loan as of [Redacted]. The seller rebuttal is reducing account [Redacted] by the $[Redacted] EMD and including the EMD in the assets, however the file shows the $[Redacted] EMD was drawn from account xx[Redacted] on [Redacted] and the $[Redacted] EMD was not documented (only doc is letter from realtor that it was received on [Redacted]. The IRA account [Redacted] cannot be reduced to include the EMD since it was not drawn on that account. The condition is valid and remains open Seller Comment (2026-07-16): [Redacted]: Please see the attached worksheet showing the breakdown of the funds for the file. The file does have enough funds to cover the cash to close and the reserves Reviewer Comment (2026-07-15): 401K and stock accounts are considered [Redacted] of the funds based on the DU. 401K balance after deducting loan of [Redacted] and [Redacted] of the usability is $[Redacted]. [Redacted] of stock balance is $[Redacted]. Account #[Redacted] & account #[Redacted] considered 100%. Loan of [Redacted] is deducted from the 401K account, documentation verifying loan proceeds not available hence [Redacted] is deducted. [Redacted] account is non-vested hence not considerable per the DU. Assets are insufficient, proof of [Redacted] loan proceeds can be considerable and to consider the EMD of [Redacted] bank statement showing source of emd is required. Exception remains. Seller Comment (2026-07-14): [Redacted]: Please see the breakdown below: 1. [Redacted] 401K [Redacted] account [Redacted] has a balance of Original balance: [Redacted] back out [Redacted] of 401K loan so the final balance is [Redacted]. ( line 4 show hair cut) 2.[Redacted] [Redacted] [Redacted] Original balance: $[Redacted] back out the two EMDs of [Redacted] and [Redacted] so final balance is [Redacted]. (line 4 shows hair cut) 3.[Redacted] [Redacted] ending balance of [Redacted] and account [Redacted] with balance of [Redacted]. 4. Non-Liquid Asset after the hair cut is [Redacted] per Fannie Mae and Liquid Assets is [Redacted]. 5.Total asset on file is [Redacted] and cash to close is [Redacted] which means the borrower has [Redacted] extra which covers the Reserves of [Redacted] Reviewer Comment (2026-07-13): The reserves are insufficient, the difference appears to be due to the 401-k account and the stock account [Redacted], were both used at [Redacted] since these funds were required for cash to close per the DU (lender used at 100%). Documentation in file identified a $[Redacted] loan on the 401-K account which reduced the 401-k balance. Documentation verifying the receipt of the loan proceeds were not included in the file and once fully documented will be added as an asset, which will verify sufficient reserves. Condition is valid and remains open Seller Comment (2026-07-13): [Redacted]: Please note that the source of the Earnest Money Deposits (EMDs) does not require further inquiry. The borrower has demonstrated sufficient liquid assets to cover both EMDs. Our previous communication confirmed that the [Redacted] account ([Redacted] [Redacted]) held an original balance of $[Redacted]. After deducting the two EMD amounts of $[Redacted] and $[Redacted], a cleared balance of $[Redacted] remains. Reviewer Comment (2026-07-10): All the provided statements are considered, please provide the source of deposit bank statement showing the EMD amount of $[Redacted] & $[Redacted] . Exception remains. Seller Comment (2026-07-09): [Redacted]: Please see the attached document supporting the borrower has enough asset to cover cash to close and the reserves. [Redacted] 401K [Redacted] account [Redacted] has a balance of Original balance: [Redacted] back out [Redacted] of 401K loan so the final balance is [Redacted], account [Redacted] [Redacted] [Redacted] Original balance: $[Redacted] back out the two EMDs of [Redacted] and [Redacted] so final balance is [Redacted], [Redacted] [Redacted] ending balance of [Redacted] and account [Redacted] with balance of [Redacted]. Non-Liquid Asset after the hair cut is [Redacted] per Fannie Mae and Liquid Assets is [Redacted]. Total assets on file is [Redacted] and cash to close is [Redacted] which means the borrower has [Redacted] extra which covers the Reserves of [Redacted]. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10326633 | [Redact] | [Redact] | 36899809 | 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. | Reviewer Comment (2026-07-31): Stock account received Seller Comment (2026-07-29): [Redacted]: Please see the attached asset that was already provided and based on Fannie Mae B3-4.3-01, Stocks, Stock Options, Bonds, and Mutual Funds ([Redacted]) "When used for the down payment or closing costs, if the value of the asset (as determined above) is at least 20% more than the amount of funds needed for the down payment and closing costs, no documentation of the borrower's actual receipt of funds realized from the sale or liquidation is required." Between cash to close and reserves the borrower needed to $[Redacted] in available funds, and had $[Redacted] verified after accounting for backing out a 401k loan and both EMDs. While the [Redacted] EMD cleared [Redacted][Redacted] after the statement end date and the ending balance was less than the EMD, the borrower other asset accounts had sufficient funds to source the EMD. Even if the [Redacted][Redacted] ending balance of $[Redacted] was removed from the loan, the file would still maintain sufficient funds to close. Reviewer Comment (2026-07-28): Reviewed all trailing documents and did not find anything in addition to what was already in the file. Condition remains. Seller Comment (2026-07-24): [Redacted]: Please see the attached stock account the borrower has to support the funds to close and Reserves. Reviewer Comment (2026-07-16): The assets required to be verified are $[Redacted], including $[Redacted] cash to close ($[Redacted] EMD + $[Redacted] cash from borrower at closing) + $[Redacted] reserves required by DU for the Open [Redacted] account. Total assets verified were $[Redacted], including $[Redacted] from account xx[Redacted] as of [Redacted]; $[Redacted] from account xx[Redacted] as of [Redacted]; $[Redacted] from account [Redacted] using [Redacted] as of [Redacted]; and $[Redacted] from the 401k account using [Redacted] and reducing the balance by the $[Redacted] loan as of [Redacted]. The seller rebuttal is reducing account [Redacted] by the $[Redacted] EMD and including the EMD in the assets, however the file shows the $[Redacted] EMD was drawn from account xx[Redacted] on [Redacted] and the $[Redacted] EMD was not documented (only doc is letter from realtor that it was received on [Redacted]. The IRA account [Redacted] cannot be reduced to include the EMD since it was not drawn on that account. The condition is valid and remains open Seller Comment (2026-07-16): [Redacted]: Please see the attached worksheet showing the breakdown of the funds for the file. The file does have enough funds to cover the cash to close and the reserves Seller Comment (2026-07-14): [Redacted]: Please see the breakdown below: 1. [Redacted] 401K [Redacted] account [Redacted] has a balance of Original balance: [Redacted] back out [Redacted] of 401K loan so the final balance is [Redacted]. ( line 4 show hair cut) 2.[Redacted] [Redacted] [Redacted] Original balance: $[Redacted] back out the two EMDs of [Redacted] and [Redacted] so final balance is [Redacted]. (line 4 shows hair cut) 3.[Redacted] [Redacted] ending balance of [Redacted] and account [Redacted] with balance of [Redacted]. 4. Non-Liquid Asset after the hair cut is [Redacted] per Fannie Mae and Liquid Assets is [Redacted]. 5.Total asset on file is [Redacted] and cash to close is [Redacted] which means the borrower has [Redacted] extra which covers the Reserves of [Redacted] Reviewer Comment (2026-07-13): The reserves are insufficient, the difference appears to be due to the 401-k account and the stock account [Redacted], were both used at [Redacted] since these funds were required for cash to close per the DU (lender used at 100%). Documentation in file identified a $[Redacted] loan on the 401-K account which reduced the 401-k balance. Documentation verifying the receipt of the loan proceeds were not included in the file and once fully documented will be added as an asset, which will verify sufficient reserves. Condition is valid and remains open Seller Comment (2026-07-09): [Redacted]: Please see the attached document supporting the borrower has enough asset to cover cash to close and the reserves. [Redacted] 401K [Redacted] account [Redacted] has a balance of Original balance: [Redacted] back out [Redacted] of 401K loan so the final balance is [Redacted], account [Redacted] [Redacted] [Redacted] Original balance: $[Redacted] back out the two EMDs of [Redacted] and [Redacted] so final balance is [Redacted], [Redacted] [Redacted] ending balance of [Redacted] and account [Redacted] with balance of [Redacted]. Non-Liquid Asset after the hair cut is [Redacted] per Fannie Mae and Liquid Assets is [Redacted]. Total assets on file is [Redacted] and cash to close is [Redacted] which means the borrower has [Redacted] extra which covers the Reserves of [Redacted]. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10326633 | [Redact] | [Redact] | 36899819 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Condition will be cleared when all QM/ATR/Guideline conditions are cleared. | Reviewer Comment (2026-07-31): Stock account received Seller Comment (2026-07-29): [Redacted]: Please see the attached asset that was already provided and based on Fannie Mae B3-4.3-01, Stocks, Stock Options, Bonds, and Mutual Funds ([Redacted]) "When used for the down payment or closing costs, if the value of the asset (as determined above) is at least 20% more than the amount of funds needed for the down payment and closing costs, no documentation of the borrower's actual receipt of funds realized from the sale or liquidation is required." Between cash to close and reserves the borrower needed to $[Redacted] in available funds, and had $[Redacted] verified after accounting for backing out a 401k loan and both EMDs. While the [Redacted] EMD cleared [Redacted][Redacted] after the statement end date and the ending balance was less than the EMD, the borrower other asset accounts had sufficient funds to source the EMD. Even if the [Redacted][Redacted] ending balance of $[Redacted] was removed from the loan, the file would still maintain sufficient funds to close. Reviewer Comment (2026-07-28): Reviewed all trailing documents and did not find anything in addition to what was already in the file. Condition remains. Seller Comment (2026-07-24): [Redacted]: Please see the attached stock account the borrower has to support the funds to close and Reserves. Reviewer Comment (2026-07-16): The assets required to be verified are $[Redacted], including $[Redacted] cash to close ($[Redacted] EMD + $[Redacted] cash from borrower at closing) + $[Redacted] reserves required by DU for the Open [Redacted] account. Total assets verified were $[Redacted], including $[Redacted] from account xx[Redacted] as of [Redacted]; $[Redacted] from account xx[Redacted] as of [Redacted]; $[Redacted] from account [Redacted] using [Redacted] as of [Redacted]; and $[Redacted] from the 401k account using [Redacted] and reducing the balance by the $[Redacted] loan as of [Redacted]. The seller rebuttal is reducing account [Redacted] by the $[Redacted] EMD and including the EMD in the assets, however the file shows the $[Redacted] EMD was drawn from account xx[Redacted] on [Redacted] and the $[Redacted] EMD was not documented (only doc is letter from realtor that it was received on [Redacted]. The IRA account [Redacted] cannot be reduced to include the EMD since it was not drawn on that account. The condition is valid and remains open Seller Comment (2026-07-16): [Redacted]: Please see the attached worksheet showing the breakdown of the funds for the file. The file does have enough funds to cover the cash to close and the reserves Seller Comment (2026-07-14): [Redacted]: Please see the breakdown below: 1. [Redacted] 401K [Redacted] account [Redacted] has a balance of Original balance: [Redacted] back out [Redacted] of 401K loan so the final balance is [Redacted]. ( line 4 show hair cut) 2.[Redacted] [Redacted] [Redacted] Original balance: $[Redacted] back out the two EMDs of [Redacted] and [Redacted] so final balance is [Redacted]. (line 4 shows hair cut) 3.[Redacted] [Redacted] ending balance of [Redacted] and account [Redacted] with balance of [Redacted]. 4. Non-Liquid Asset after the hair cut is [Redacted] per Fannie Mae and Liquid Assets is [Redacted]. 5.Total asset on file is [Redacted] and cash to close is [Redacted] which means the borrower has [Redacted] extra which covers the Reserves of [Redacted] Reviewer Comment (2026-07-13): The reserves are insufficient, the difference appears to be due to the 401-k account and the stock account [Redacted], were both used at [Redacted] since these funds were required for cash to close per the DU (lender used at 100%). Documentation in file identified a $[Redacted] loan on the 401-K account which reduced the 401-k balance. Documentation verifying the receipt of the loan proceeds were not included in the file and once fully documented will be added as an asset, which will verify sufficient reserves. Condition is valid and remains open Seller Comment (2026-07-09): [Redacted]: Please see the attached document supporting the borrower has enough asset to cover cash to close and the reserves. [Redacted] 401K [Redacted] account [Redacted] has a balance of Original balance: [Redacted] back out [Redacted] of 401K loan so the final balance is [Redacted], account [Redacted] [Redacted] [Redacted] Original balance: $[Redacted] back out the two EMDs of [Redacted] and [Redacted] so final balance is [Redacted], [Redacted] [Redacted] ending balance of [Redacted] and account [Redacted] with balance of [Redacted]. Non-Liquid Asset after the hair cut is [Redacted] per Fannie Mae and Liquid Assets is [Redacted]. Total assets on file is [Redacted] and cash to close is [Redacted] which means the borrower has [Redacted] extra which covers the Reserves of [Redacted]. |
07/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | 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 | ||||||||
| [Redact] | 10326633 | [Redact] | [Redact] | 37129999 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | Provide an updated 1003 with stock account [Redacted] | Reviewer Comment (2026-08-12): Revised 1003 provided Seller Comment (2026-08-11): [Redacted]: Please see the attached 1003 showing account [Redacted] added to the file. Reviewer Comment (2026-08-07): The file does not have enough assets without [Redacted], If we remove [Redacted], we are back to failing QM/ATR and the reserves are insufficient. The EMD was not verified and cannot be included. The 401K has a $[Redacted] loan that is reduced from the balance to qualify. Without [Redacted], we have $[Redacted] in assets; the borrower needed $[Redacted] to close ($[Redacted] EMD + $[Redacted] cash due at closing). This leaves reserves of $[Redacted] which are insufficient to meet the DU requirement of $[Redacted]. The condition is valid and remains open. A revised final 1003 including the stock account (which was provided in the initial file and as trailing docs) is required. Seller Comment (2026-08-07): [Redacted]: The file has enough assets to cover the cash to close and account [Redacted] is not needed to be included to the 1003. The assets showing on the 1003 meets all Fannie Mae guidelines so please escalate this file to be reviewed further. Reviewer Comment (2026-08-06): The condition is not questioning the assets used to qualify, the condition is set for a revised 1003 including account [Redacted]. Without this account, the reserves are insufficient by $[Redacted]. The total assets required to be verified were $[Redacted] and without account [Redacted], funds verified were $[Redacted]. Provide a revised 1003 including the account [Redacted] in the assets and the condition will be cleared. Condition remains Seller Comment (2026-08-05): [Redacted]: Please see the attached asset that was already provided and based on Fannie Mae B3-[Redacted], Stocks, Stock Options, Bonds, and Mutual Funds ([Redacted]) "When used for the down payment or closing costs, if the value of the asset (as determined above) is at least [Redacted]% more than the amount of funds needed for the down payment and closing costs, no documentation of the borrower's actual receipt of funds realized from the sale or liquidation is required." Between cash to close and reserves the borrower needed to $[Redacted] in available funds, and had $[Redacted] verified after accounting for backing out a 401k loan and both EMDs. While the [Redacted] EMD cleared [Redacted] #[Redacted] after the statement end date and the ending balance was less than the EMD, the borrower other asset accounts had sufficient funds to source the EMD. Even if the [Redacted]#[Redacted] ending balance of $[Redacted] was removed from the loan, the file would still maintain sufficient funds to close. Seller Comment (2026-08-05): [Redacted]: Please see the attached asset that was already provided and based on Fannie Mae B3-[Redacted], Stocks, Stock Options, Bonds, and Mutual Funds ([Redacted]) "When used for the down payment or closing costs, if the value of the asset (as determined above) is at least [Redacted]% more than the amount of funds needed for the down payment and closing costs, no documentation of the borrower's actual receipt of funds realized from the sale or liquidation is required." Between cash to close and reserves the borrower needed to $[Redacted] in available funds, and had $[Redacted] verified after accounting for backing out a 401k loan and both EMDs. While the [Redacted] EMD cleared [Redacted] #[Redacted] after the statement end date and the ending balance was less than the EMD, the borrower other asset accounts had sufficient funds to source the EMD. Even if the [Redacted] #[Redacted] ending balance of $[Redacted] was removed from the loan, the file would still maintain sufficient funds to close. Seller Comment (2026-08-05): [Redacted]: Please see the attached asset that was already provided and based on Fannie Mae B3-4.3-01, Stocks, Stock Options, Bonds, and Mutual Funds ([Redacted]) "When used for the down payment or closing costs, if the value of the asset (as determined above) is at least [Redacted]% more than the amount of funds needed for the down payment and closing costs, no documentation of the borrower's actual receipt of funds realized from the sale or liquidation is required." Between cash to close and reserves the borrower needed to $[Redacted] in available funds, and had $[Redacted] verified after accounting for backing out a 401k loan and both EMDs. While the [Redacted] EMD cleared [Redacted]#[Redacted] after the statement end date and the ending balance was less than the EMD, the borrower other asset accounts had sufficient funds to source the EMD. Even if the [Redacted]#[Redacted] ending balance of $[Redacted] was removed from the loan, the file would still maintain sufficient funds to close. Seller Comment (2026-08-05): [Redacted]: Please see the attached asset that was already provided and based on Fannie Mae B3-4.3-01, Stocks, Stock Options, Bonds, and Mutual Funds ([Redacted]) "When used for the down payment or closing costs, if the value of the asset (as determined above) is at least [Redacted]% more than the amount of funds needed for the down payment and closing costs, no documentation of the borrower's actual receipt of funds realized from the sale or liquidation is required." Between cash to close and reserves the borrower needed to $[Redacted] in available funds, and had $[Redacted] verified after accounting for backing out a 401k loan and both EMDs. While the [Redacted] EMD cleared [Redacted][Redacted] after the statement end date and the ending balance was less than the EMD, the borrower other asset accounts had sufficient funds to source the EMD. Even if the [Redacted][Redacted] ending balance of $[Redacted] was removed from the loan, the file would still maintain sufficient funds to close. Reviewer Comment (2026-08-04): Bank statement #[Redacted]is used for the asset requirement. Updated 1003 is required. Exception remains. Seller Comment (2026-08-03): [Redacted]: Please review the file again since account [Redacted] is not needed since its not been used for cash to close. |
08/12/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| [Redact] | 10327865 | [Redact] | [Redact] | 36612762 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-22): note delivered: [Redacted] |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10327865 | [Redact] | [Redact] | 36972287 | 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 (2026-07-20): [Redacted] received Letter of explanation, Final settlement statement and Corrected Closing disclosure. Seller Comment (2026-07-16): attached |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10327865 | [Redact] | [Redact] | 36974719 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | The appraisal identified the subject as a PUD. The file is missing a copy of the PUD Rider attached to the Deed of Trust. Provide a copy of the PUD Rider and proof that the DOT will be re-recorded with the rider. If the subject is not a PUD, provide a revised appraisal correcting the property type. | Reviewer Comment (2026-08-14): Received updated Security Instrument - Subject Lien. Exception cleared. Seller Comment (2026-08-13): attached Reviewer Comment (2026-08-12): Recorded DOT with PUD rider information is required. Exception remains. Seller Comment (2026-08-11): attached |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10327867 | [Redact] | [Redact] | 36614103 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-24): Waived on Rate Lock: Collateral cleared by Custodian |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10327867 | [Redact] | [Redact] | 36906256 | 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. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10327867 | [Redact] | [Redact] | 36906357 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed. | The Non-Escrowed Property Costs over Year 1 of $[Redacted] on Final Closing Disclosure provided on [Redacted] are under-disclosed. The HOA fee on the 1004 shows the annual amount of $[Redacted]. | Reviewer Comment (2026-08-05): [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Seller Comment (2026-08-04): [Redacted]: Please see the attached remediation with proof of delivery // Reviewer Comment (2026-07-15): [Redacted] Received corrected PCCD and LOE; however, LOE does not specify the changes made to Non escrowed property cost on page [Redacted]. Provide updated LOE showing changes made on PCCD. Seller Comment (2026-07-14): [Redacted]4: Please see the attached remediation with proof of delivery. $[Redacted] correct amount per appraiser, not $[Redacted]. // |
08/05/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10328080 | [Redact] | [Redact] | 36630357 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-30): Waived on Rate Lock: Collateral cleared by Custodian |
06/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10328080 | [Redact] | [Redact] | 36758504 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Provide a copy of Final 1003. | Reviewer Comment (2026-06-22): Received and associated Final 1003. Exception cleared. Seller Comment (2026-06-19): [Redacted]: Please see attached. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10328080 | [Redact] | [Redact] | 36758535 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Final Closing Disclosure was not found in file. | Reviewer Comment (2026-06-22): Final CD provided Seller Comment (2026-06-19): [Redacted]: See attached Final CD. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10328080 | [Redact] | [Redact] | 36758541 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10328080 | [Redact] | [Redact] | 36758542 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-06-25): Received appraisal E-sign document. Exception cleared. Seller Comment (2026-06-24): [Redacted]: Please see the attached Appraisal Delivery Packages Reviewer Comment (2026-06-22): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10328080 | [Redact] | [Redact] | 36758543 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-25): Received appraisal E-sign document. Exception cleared. Seller Comment (2026-06-24): [Redacted]: Please see the attached Appraisal Delivery Packages |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10328080 | [Redact] | [Redact] | 36758545 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Reviewer Comment (2026-08-07): IEAD provided Seller Comment (2026-08-06): Please see attached IEAD |
08/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10328080 | [Redact] | [Redact] | 36777442 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-06-22): Client elected to waive the condition on the Non-QM 1st lien |
06/22/2026 | No | 2 | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| [Redact] | 10328080 | [Redact] | [Redact] | 36777443 | 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. | Reviewer Comment (2026-06-22): Sufficient Cure Provided At Closing |
06/22/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| [Redact] | 10329039 | [Redact] | [Redact] | 36633595 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-04): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329039 | [Redact] | [Redact] | 37086866 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not found in file. | Reviewer Comment (2026-07-31): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-30): Please find attached Business Purpose |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10329082 | [Redact] | [Redact] | 36633753 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-30): (Rate Lock) [Redacted] |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10329082 | [Redact] | [Redact] | 37103736 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 07/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10329814 | [Redact] | [Redact] | 36645979 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-25): Waived on Rate Lock: Collateral cleared by Custodian |
08/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10330327 | [Redact] | [Redact] | 36651385 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-22): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10330327 | [Redact] | [Redact] | 36937248 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-07-14): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-14): business purpose |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10330375 | [Redact] | [Redact] | 36654322 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10330372 | [Redact] | [Redact] | 36654324 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-25): Waived on Rate Lock: Collateral cleared by Custodian |
08/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10331255 | [Redact] | [Redact] | 36660428 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10331255 | [Redact] | [Redact] | 37052826 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived the right to receive a copy of the appraisal at least three business days prior to closing, and the appraisal was not provided at or before closing. | 07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10331656 | [Redact] | [Redact] | 36661667 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-31): Waived on Rate Lock: Collateral cleared by Custodian |
07/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10331656 | [Redact] | [Redact] | 37092395 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 07/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10340487 | [Redact] | [Redact] | 36693217 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-24): Collateral shipped via [Redacted] Tracking [Redacted], delivered [Redacted], [Redacted] at [Redacted] |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10340484 | [Redact] | [Redact] | 36693295 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-22): Please find listed [Redacted] tracking ID: [Redacted], delivered [Redacted], [Redacted]/[Redacted] at [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10340484 | [Redact] | [Redact] | 37021946 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No evidence that borrower received a copy of appraisal [Redacted] business days to closing. | 07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10340673 | [Redact] | [Redact] | 36695385 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-28): Note delivery via [Redacted]# [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10340673 | [Redact] | [Redact] | 37035055 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification Document not provided | Reviewer Comment (2026-08-13): Proof of PITIA provided Seller Comment (2026-08-13): Initially thought [Redacted] property had an HOA - it does not per provided email. Total expenses are lower than that used to qualify. Upon review, please clear. Reviewer Comment (2026-07-29): Taxes and insurance verified. However 1003 shows total expenses $[Redacted], we do not have proof for remaining expenses $[Redacted] . Please provide the proof of documentation for $[Redacted] Exception remains. Seller Comment (2026-07-28): [Redacted]- Tax Bill |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10340673 | [Redact] | [Redact] | 37037501 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-07-29): Received Tax & Insurance verification. Exception cleared. Seller Comment (2026-07-28): REO Docs - [Redacted] |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10340673 | [Redact] | [Redact] | 37224080 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | Upon further review, a revised 1008 is required. The 1008 in file has a DTI of [Redacted]% based on total income of $[Redacted] and total liabilities of $[Redacted], consisting of the primary residence PITIA of $[Redacted], negative rental income of $[Redacted] ($-[Redacted] for the subject + $-[Redacted] for the investment REO), and consumer debts of $[Redacted]. However, the documentation in file supported the same income; however the liabilities verified were $[Redacted] and do not match. The PITIA for the primary residence was documented as $[Redacted] (P&I $[Redacted] + taxes $[Redacted] + HOI $[Redacted]); negative rental income of $[Redacted] ($-[Redacted] for the subject + $-[Redacted] for the investment REO consisting of PITA of $[Redacted] per the statement includes taxes + HOI of $[Redacted]); and consumer debts of $[Redacted]. The calculated DTI is [Redacted]% and unable to determine the lenders DTI. | Reviewer Comment (2026-09-01): Received updated 1003 and 1008. Exception cleared. Seller Comment (2026-08-31): Revised 1008 to match 1003 Reviewer Comment (2026-08-28): The provided 1003 primary residence expenses do not match the figures reflected on the 1008. The 1008 currently shows total Primary PITIA expenses of $[Redacted], whereas the actual calculated Primary PITIA expense is $[Redacted]. Please provide the corrected 1003 and 1008 with the accurate primary residence expense information. Exception remains. Seller Comment (2026-08-27): Revised 1003-1008 and LOE for calculations Reviewer Comment (2026-08-17): Provided 1003 REO and primary residence expenses are not matching the actual debt calculation and the 1008. The 1008 shows total expenses $[Redacted] actual calculated total expenses amount is $[Redacted]. Please provide the additional documentation for the remaining expenses or provide the corrected 1003 & 1008 with proper expenses. Exception remains. Seller Comment (2026-08-14): Revised 1003 and 1008 from UW |
09/01/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||||||
| [Redact] | 10341665 | [Redact] | [Redact] | 36700148 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10341665 | [Redact] | [Redact] | 37223658 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Reviewer Comment (2026-08-14): Client elected to waive the condition on the Non-QM 1st lien |
08/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10341665 | [Redact] | [Redact] | 37223661 | 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. | Reviewer Comment (2026-08-13): Sufficient Cure Provided At Closing |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10341667 | [Redact] | [Redact] | 36700149 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-31): Waived on Rate Lock: Collateral cleared by Custodian |
07/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10341667 | [Redact] | [Redact] | 37092082 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | CPA verification is missing. | Reviewer Comment (2026-08-03): Tax preparer license verification provided Seller Comment (2026-08-03): [Redacted]: Please see attached. [Redacted] license expires [Redacted] Reviewer Comment (2026-07-31): CPA letter is already available in file. Please provide the CPA verification showing the license status. Exception remains. Seller Comment (2026-07-30): [Redacted]: Please see attached. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10341667 | [Redact] | [Redact] | 37092099 | 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. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 07/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10341667 | [Redact] | [Redact] | 37092373 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Reviewer Comment (2026-07-29): Client elected to waive the condition on the Non-QM 1st lien |
07/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10341667 | [Redact] | [Redact] | 37092376 | Compliance | Compliance | State Compliance | Misc. State Level | [Redact] Counseling Agencies Disclosure Not in File | [Redacted] - No evidence of required counseling disclosure language per [Redacted]. | No evidence of required counseling disclosure language per [Redacted]. | Reviewer Comment (2026-08-06): Client elected to waive the condition Seller Comment (2026-08-04): Disagree - Bank statement loans are not subject per Md. Code Comm. Law §12-1303 Reviewer Comment (2026-08-03): The disclosure must contain the following language, required for the state: "When applying for a mortgage loan or line of credit, we recommend you receive homebuyer education or housing counseling". This applies to all loans and bank statement income is not exempt from the requirement. Condition is valid and remains open Seller Comment (2026-07-30): Disagree - Bank statement loans are not subject per Md. Code Comm. Law §12-1303 |
08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10341667 | [Redact] | [Redact] | 37092379 | 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. | 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. | Reviewer Comment (2026-07-28): Sufficient Cure Provided At Closing |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10341667 | [Redact] | [Redact] | 37095645 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-08-03): Tax preparer license verification provided Seller Comment (2026-07-30): [Redacted]: Please see attached. |
08/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10341667 | [Redact] | [Redact] | 37095646 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-08-03): Tax preparer license verification provided Seller Comment (2026-07-30): [Redacted]: Please see attached. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10342189 | [Redact] | [Redact] | 36708990 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-13): (Rate Lock) Tracking: [Redacted]. Delivered [Redacted], [Redacted] |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10342244 | [Redact] | [Redact] | 36712172 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-05): Waived on Rate Lock: Collateral cleared by Custodian |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10342244 | [Redact] | [Redact] | 37103264 | Compliance | Compliance | State Compliance | State Defect | [Redact] Prepayment Penalty | [Redacted] Prepayment Penalty: Maximum penalty allowed per state is [Redacted] [in Years 1-5]. Loan contracts for prepay percentages of [Redacted]%, [Redacted]%, [Redacted]%, which exceeds the max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. | Maximum penalty allowed per state is [Redacted] [in Years 1-5]. Loan contracts for prepayment percentages of [Redacted]%, [Redacted]%, [Redacted]%, which exceeds the maximum allowable. Prepayment language states prepayment will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-08-04): Client elected to waive the condition Seller Comment (2026-08-04): Please see the language on the prepayment addendum to the Note stating: If a law, which applies to this loan and which sets a maximum prepayment charge or prohibits prepayment charges, is finally interpreted so that the prepayment charge to be collected in connection with this loan exceeds the permitted limits, then (i) any such prepayment charge shall be reduced by the amount necessary to reduce the charge to the permitted limit, or (ii) if the prepayment charge is prohibited, no prepayment charge will be assessed or collected. |
08/04/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10342244 | [Redact] | [Redact] | 37103466 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Desk Review address is a mismatch with the note address. | Reviewer Comment (2026-09-15): Revised CDA provided Seller Comment (2026-09-14): Per Underwriter CDA attached its for [Redacted] which matches the note Reviewer Comment (2026-09-03): The 442 will not clear the condition. The condition is firing due to the CDA/Desk Review has an address that does not match the note address. A revised CDA is required, correcting the unit number to match the note. Condition is valid and remains open Seller Comment (2026-09-02): Please see 1004D showing property was completed and with updated address/unit # |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10345083 | [Redact] | [Redact] | 36719292 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-10): (Rate Lock) Collateral was delivered [Redacted] via [Redacted]tracking #[Redacted] |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10346284 | [Redact] | [Redact] | 36726810 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-27): Please find listed [Redacted] Tracking ID: [Redacted], delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10346284 | [Redact] | [Redact] | 37009182 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Client exception for loan amount of $[Redacted] approved. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DSCR on the loan is greater than the guideline minimum. |
Client elects to waive with compensating factors :[Redacted] LTV is [Redacted]below max ([Redacted]). Client elects to waive with compensating factors :v DSCR is [Redacted]over minimum ([Redacted]) |
Aggregator,[Redact] Originator Pre-Close,Aggregator |
Reviewer Comment (2026-07-17): Client elects to waive with compensating factors :[Redacted] LTV is [Redacted] below max ([Redacted]). [Redacted] DSCR is [Redacted] over minimum ([Redacted]). [Redacted] years property management. |
07/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||
| [Redact] | 10346284 | [Redact] | [Redact] | 37009432 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | File is missing signed Business Purpose Certificate. | Reviewer Comment (2026-07-22): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-22): Please find attached Business purpose |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10348821 | [Redact] | [Redact] | 36734568 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-04): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10348821 | [Redact] | [Redact] | 37102987 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 07/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10349028 | [Redact] | [Redact] | 36736011 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-21): Note tracking from [Redacted]is [Redacted] |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10349028 | [Redact] | [Redact] | 36974049 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non-QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-08-20): Additional asset statements provided for the Asset Depletion income and now all accounts meet the guideline requirements for number of statements. Seller Comment (2026-08-19): Please see attached [Redacted] [Redacted] statement for [Redacted]. Reviewer Comment (2026-08-18): Lender rebuttal reviewed and documentation was updated. However, the file is still missing the [Redacted] statement for account [Redacted]. Condition remains Seller Comment (2026-08-18): Can you please confirm now that all you need is the [Redacted] statement for account x[Redacted]? |
08/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10349028 | [Redact] | [Redact] | 36974129 | Credit | Guideline | Guideline Issue | Guideline | The property site acres is greater than 10 acres which does not meet guidelines. | - Site Acres: ___ | As per the guidelines, the property is ineligible because the site area of [Redacted] acres exceeds the maximum allowable limit of [Redacted] acres. Client exception approval in file. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. 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 Combined Loan to Value (CLTV) 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. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
LTV of [Redacted] where [Redacted] is maximum Post close assets: $[Redacted] months reserves where [Redacted] is required ([Redacted]X) DTI [Redacted] where [Redacted] is maximum |
[Redact],Originator Pre-Close,Aggregator [Redact] [Redact] [Redact] Originator Pre-Close,Aggregator,[Redact] [Redact] [Redact] Originator Pre-Close,Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-07-15): Client elected to waive the condition with the following Compensating Factors: LTV of [Redacted] where [Redacted] is maximum Post close assets: $[Redacted] [Redacted] months reserves where [Redacted] is required ([Redacted]X) Credit Depth: [Redacted] year mortgage history [Redacted] years trade history paid as agreed. DTI [Redacted] where [Redacted] is maximum |
07/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||
| [Redact] | 10349028 | [Redact] | [Redact] | 36974246 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Per Asset Depletion Income guidelines, the most recent six consecutive months of asset statements are required to document a stable balance history. The file only contained one months statement with an end date of [Redacted]. | Reviewer Comment (2026-08-17): This was a new account and lender provided most recent [Redacted] months statements, which is acceptable. Seller Comment (2026-08-17): Please see attached. Reviewer Comment (2026-08-13): Received duplicate bank statements already available in the file; however, statements ending [Redacted] for accounts [Redacted] and [Redacted], along with missing statements for account [Redacted] ([Redacted] and [Redacted]) and account [Redacted] ([Redacted] through [Redacted]), are still required to meet guideline requirements. Exception remains. Seller Comment (2026-08-12): al statements attached Reviewer Comment (2026-08-10): Six consecutive months of asset statements ending [Redacted] are still required for accounts [Redacted], and [Redacted]. Additionally, the file is missing the following statements: Account [Redacted]: [Redacted] and [Redacted] statements. Account [Redacted]: [Redacted], [Redacted], [Redacted], and [Redacted] statements. Exception remains. Seller Comment (2026-08-06): Please see attached [Redacted], [Redacted], [Redacted], & [Redacted]tement for account [Redacted] and [Redacted] statement for account xx[Redacted]. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10349028 | [Redact] | [Redact] | 36974249 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Per Asset Depletion Income guidelines, the most recent six consecutive months of asset statements are required to document a stable balance history. The file contained one statement with an end date of [Redacted] and another statement with an end date of [Redacted]. The file is missing the statements covering the months of [Redacted], [Redacted], [Redacted]. | Reviewer Comment (2026-08-18): Lender rebuttal removed this account from the asset depletion calculation. Account was properly documented to use for assets only, Seller Comment (2026-08-18): Can you please confirm now that all you need is the [Redacted] statement for account x[Redacted]? Reviewer Comment (2026-08-13): Received duplicate bank statements already available in the file; however, statements ending [Redacted] for accounts [Redacted] and [Redacted], along with missing statements for account [Redacted] ([Redacted] and [Redacted]) and account [Redacted] ([Redacted] through [Redacted]), are still required to meet guideline requirements. Exception remains. Seller Comment (2026-08-12): atatched Seller Comment (2026-08-12): al statements attached |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10349028 | [Redact] | [Redact] | 36974305 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components, which could impact the borrower's ability to repay. | Reviewer Comment (2026-08-20): Additional asset statements provided for the Asset Depletion income and now all accounts meet the guideline requirements for number of statements. Seller Comment (2026-08-19): To correct a typo in the account number in my prior message, this is for [Redacted]. Seller Comment (2026-08-19): Please see attached [Redacted][Redacted]statement for [Redacted]. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10349028 | [Redact] | [Redact] | 36996644 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Per Asset Depletion Income guidelines, the most recent six consecutive months of asset statements are required to document a stable balance history. The file is missing the statement ending [Redacted] for the following accounts: xx[Redacted], xx[Redacted], xx[Redacted], xx[Redacted], xx[Redacted], xx[Redacted], and xx[Redacted]. The file is also missing the [Redacted], [Redacted], [Redacted], and [Redacted] statements for account xx[Redacted], and the [Redacted], [Redacted], [Redacted], [Redacted], and [Redacted] for account xx[Redacted]. | Reviewer Comment (2026-08-20): Additional asset statements provided for the Asset Depletion income and now all accounts meet the guideline requirements for number of statements. Seller Comment (2026-08-19): To correct a typo in the account number in my prior message, this is for [Redacted]. Seller Comment (2026-08-19): Please see attached [Redacted][Redacted]statement for [Redacted]. Reviewer Comment (2026-08-18): Lender rebuttal reviewed and documentation was updated. However, the file is still missing the [Redacted] statement for account [Redacted]. Condition remains Seller Comment (2026-08-18): Can you please confirm now that all you need is the [Redacted] statement for account x[Redacted]? Reviewer Comment (2026-08-17): Lender rebuttal reviewed and documentation was updated. However, the file is still missing the [Redacted] statement for account [Redacted]. Condition remains Seller Comment (2026-08-17): Please see attached. Reviewer Comment (2026-08-13): Received duplicate bank statements already available in the file; however, statements ending [Redacted] for accounts [Redacted] and [Redacted], along with missing statements for account [Redacted] ([Redacted] and [Redacted]) and account [Redacted] ([Redacted] through [Redacted]), are still required to meet guideline requirements. Exception remains. Seller Comment (2026-08-12): all statements attached Seller Comment (2026-08-12): al statements attached Reviewer Comment (2026-08-10): Six consecutive months of asset statements ending [Redacted] are still required for accounts [Redacted], and [Redacted]. Additionally, the file is missing the following statements: Account [Redacted]: [Redacted] and [Redacted] statements. Account [Redacted]: [Redacted], [Redacted], [Redacted], and [Redacted] statements. Exception remains. Seller Comment (2026-08-07): [Redacted] [Redacted] opening account & [Redacted] Seller Comment (2026-08-07): [Redacted] Seller Comment (2026-08-07): • [Redacted] for account xx[Redacted] this was the opening of this account, see zero beginning balance. Seller Comment (2026-08-07): the balance in February is $[Redacted] and through [Redacted] is $[Redacted] PLEASE BACK OUT ACCOUNT -[Redacted] for account xx[Redacted] this was the opening of this account, see zero beginning balance. Seller Comment (2026-08-06): Please see attached [Redacted], [Redacted], [Redacted], & [Redacted]tement for account [Redacted] and [Redacted] statement for account xx[Redacted]. Reviewer Comment (2026-07-22): The provided statements are already available in file. The file is missing the statement ending [Redacted] for the following accounts: [Redacted], [Redacted], [Redacted], xx[Redacted], [Redacted], [Redacted], and [Redacted]. The file is also missing the [Redacted], [Redacted], [Redacted], and [Redacted] statements for account xx[Redacted], and the [Redacted], [Redacted], [Redacted], [Redacted], and [Redacted] for account xx[Redacted]. Exception remains. Seller Comment (2026-07-21): [Redacted] #[Redacted], #[Redacted], #[Redacted] Seller Comment (2026-07-21): [Redacted] #[Redacted], #[Redacted], #[Redacted]attached |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10349028 | [Redact] | [Redact] | 36996645 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [Redacted]): Ability to Repay (Dodd-Frank [Redacted]): 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.) | Reviewer Comment (2026-08-20): Additional asset statements provided for the Asset Depletion income and now all accounts meet the guideline requirements for number of statements. Seller Comment (2026-08-19): Please see attached [Redacted][Redacted] statement for [Redacted]. Reviewer Comment (2026-08-18): Lender rebuttal reviewed and documentation was updated. However, the file is still missing the[Redacted] statement for account [Redacted]. Condition remains Seller Comment (2026-08-18): Can you please confirm now that all you need is the [Redacted] statement for account x[Redacted]? Reviewer Comment (2026-08-13): Received duplicate bank statements already available in the file; however, statements ending [Redacted] for accounts [Redacted] and [Redacted], along with missing statements for account [Redacted] ([Redacted] and [Redacted]) and account [Redacted] ([Redacted] through [Redacted]), are still required to meet guideline requirements. Exception remains. Seller Comment (2026-08-12): all statements attached |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10298001 | [Redact] | 36778264 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-06-23): Initial and Final Grade B, accepted |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10352572 | [Redact] | [Redact] | 36752797 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-24): [Redacted] Tracking Number [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10352574 | [Redact] | [Redact] | 36752921 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-31): collateral shipped via [Redacted]Tracking ID: [Redacted], delivered [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10352574 | [Redact] | [Redact] | 37320905 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-09-21): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-21): Please find attached Business Purpose Reviewer Comment (2026-09-08): Received the Business Purpose Certificate; however, the property address listed is [Redacted]. Please provide the Business Purpose Certificate for [Redacted]. Exception remains. Seller Comment (2026-09-08): Please find attached Business Purpose |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10352574 | [Redact] | [Redact] | 37321693 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-09-21): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-21): Please find attached Business Purpose Reviewer Comment (2026-09-08): Received the Business Purpose Certificate; however, the property address listed is [Redacted]. Please provide the Business Purpose Certificate for [Redacted]. Exception remains. Seller Comment (2026-09-08): Please find attached business Purpose |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10352574 | [Redact] | [Redact] | 37323645 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | The file is missing the Prepayment Penalty Addendum to the Note. Note: the PPP addendums in the file were not for the subject loan. | Reviewer Comment (2026-08-27): Received Note Addendum - Prepayment. Exception cleared. Seller Comment (2026-08-27): Please find rider attached |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | Yes | |||||||||||
| [Redact] | 10352571 | [Redact] | [Redact] | 36752940 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-14): [Redacted]Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10352571 | [Redact] | [Redact] | 36944221 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on an Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted] | Reviewer Comment (2026-07-13): Client elected to waive the condition on the Non-QM 1st lien |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10352571 | [Redact] | [Redact] | 36944248 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds guideline total debt ratio of [Redacted]%. The difference is due to the lender qualified with less PITIA for the primary residence ($[Redacted]) than verified in the file $[Redacted] (PITIA $[Redacted] + $[Redacted] HOA dues). | Reviewer Comment (2026-08-17): Revised 1003 and 1008 provided. Lender used the alternative net rental calculation method identified in the guidelines. The DTI is below the program max Seller Comment (2026-08-14): Please see attached revised 1008, 1003 and updated rental income calculation breakdown. Updates to 1003 REO to only include the P&I portion of the PITI mtg payments (for all INVEST props - PRIMARY still uses full PITIA) and the rental income now calculated by way of Method 1 allowing only depreciation, amortization and mortgage interest to be added back. In addition, B2 bonus income of $[Redacted]\month is now included. DTI now [Redacted]. please update your REO and income figures to match Reviewer Comment (2026-07-28): REO calculation considered from the schedule E. Updated 1003 is removed with the HOA payments for all the REO's. The gross rent used for diligence was only $[Redacted] less than the lenders amount (lender included Rental tax in the calc on [Redacted] of the properties), but the difference is the PITIA used to calculate the net rent. The lender used the total PITIA of $[Redacted] for the [Redacted] investment properties (not including the subject) and the diligence calculated PITIA was $[Redacted]. Exception remains. Seller Comment (2026-07-24): please see attached calculation breakdown for Schedule E reo rentals. HOAs were included in all calculations for revised 1008 uploaded [Redacted] as trailing doc [Redacted](updated primary p&i to match recent stmt, DTI now [Redacted]) and revised 1003 uploaded on [Redacted] as trailing docs [Redacted](updated primary p&I, reo rentals previously updated). Primary PITIA $[Redacted] is correct according to most recent statement and reflected $[Redacted] hoa amount Reviewer Comment (2026-07-22): The condition is valid and the diligence calculations are correct. The revised 1003 excluded the HOA dues from the PITIA for ALL REO's (except the primary). The gross rent used for diligence was only $[Redacted] less than the lenders amount (lender included Rental tax in the calc on [Redacted] of the properties), but the difference is the PITIA used to calculate the net rent. The lender used the total PITIA of $[Redacted] for the [Redacted] investment properties (not including the subject) and the diligence calculated PITIA was $[Redacted]. Note: the original final 1003 included the HOA dues, but they were removed from the revised 1003. HOA expenses were added back to all properties from schedule E and must be included in the PITIA calculations. HOA docs for all properties were provided in the initial file. Condition is valid and remains open Seller Comment (2026-07-21): All REO properties on revised 1003 was updated according to Sch E on the [Redacted] tax returns. per guides, sec [Redacted], method [Redacted] tax returns was used Reviewer Comment (2026-07-20): Revised 1003 and 1008 provided updating the PITIA for the Primary Residence. However, the revised 1003 and 1008 removed the HOA dues for all REO's resulting in less rental loss than calculated with the docs in file. The lender calculated $[Redacted] rental loss for the non-subject REO's and the calculated loss was $[Redacted]. The calculated DTI of [Redacted]% is accurate and the condition remains open. Note: lender also qualified with a lower PITIA for the REO located at [Redacted], the revised 1003 used a PITIA of $[Redacted][Redacted]; however the mortgage statement in file verified the PITIA as $[Redacted]. Seller Comment (2026-07-20): revised 1008 for subject p&i was previously uploaded as trailing doc [Redacted] on [Redacted]. as per previous comment on [Redacted], Sch E was used to calculate rental income per UW. please update your reo pitia amounts to match revised 1003 Reviewer Comment (2026-07-20): Received updated 1003, updated 1008 is required. however calculated DTI is [Redacted]% exceeding the guideline [Redacted] DTI. Exception remains. Seller Comment (2026-07-17): apologies - please see attached revised 1003 w/amount updated to $[Redacted] Reviewer Comment (2026-07-17): Schedule E is used for the REO calculation and considered tax and insurance is escrowed. However updated 1003 is still showing the PITI $[Redacted] where 1008 and recent mortgage statement shows $[Redacted]. We are not able to verify the HOA is included in escrow, please provide the supporting documents to verify the HOA amounts are escrowed. Exception remains. Seller Comment (2026-07-16): please see attached revised 1008 & 1003 for updated reo properties amounts. Sch e was used to calculate rental income, therefore taxes, hoi & hoa amounts were not required, as it was double hitting the borrower. DTI now [Redacted] |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10352571 | [Redact] | [Redact] | 36966842 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | The appraisal identified the subject as a PUD. The file is missing a copy of the PUD Rider attached to the Deed of Trust. Provide a copy of the PUD Rider and proof that the DOT will be re-recorded with the rider. If the subject is not a PUD, provide a revised appraisal correcting the property type. | Reviewer Comment (2026-08-05): Received PUD Rider and updated Security Instrument - Subject Lien. Exception cleared Seller Comment (2026-08-05): please see attached corrected\rerecorded mortgage adding PUD rider |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10352604 | [Redact] | [Redact] | 36753025 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-07): (Rate Lock) Collateral delivered via [Redacted] [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10352604 | [Redact] | [Redact] | 37101072 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10352604 | [Redact] | [Redact] | 37119661 | 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. | Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-08-06): Cured at closing or within 60 days of consummation prior to TPR review Seller Comment (2026-08-05): (Rate Lock) Consummation CD reflects $[Redacted] lender credit. Fee variance [Redacted] does not indicate that additional refund needed. |
08/06/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | [Redact] | 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 | ||||||||
| [Redact] | 10352604 | [Redact] | [Redact] | 37119662 | 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 Electronic Document Delivery Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Digital Closing Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-08-25): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-08-24): (Rate Lock) Refund Package Reviewer Comment (2026-08-06): [Redacted] Digital closing fee added on CD dated [Redacted] without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment (2026-08-05): (Rate Lock) Fee Variance [Redacted] reflecting testing |
08/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | 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 | ||||||||
| [Redact] | 10352699 | [Redact] | [Redact] | 36753415 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10352699 | [Redact] | [Redact] | 37198170 | 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. | Reviewer Comment (2026-08-10): Sufficient Cure Provided At Closing |
08/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redact] | 10352699 | [Redact] | [Redact] | 37198192 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy). Unable to determine if appropriate coverage is provided. | 08/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10352699 | [Redact] | [Redact] | 37205761 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Final Closing Statement evidencing the departure residence has been sold was not provided. | Reviewer Comment (2026-08-17): Purchase contract for the departure residence provided Seller Comment (2026-08-14): [Redacted]: Please see the sales contract for the property that was sold of [Redacted]. Reviewer Comment (2026-08-13): A copy of the settlement statement from the sale of the departure residence was provided; however the property sold after the purchase of the subject transaction. The seller excluded the PITIA for the departure residence based on the pending sale. The FNMA selling guide allows the PITIA to be excluded from the DTI with a copy of the executed sales contract for the current residence, and confirmation that any financing contingencies have been cleared. The file did not contain a copy of the executed sales contract. Seller Comment (2026-08-12): [Redacted]: Please see the attached settlement statement showing that the property was sold. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redact] | 10352699 | [Redact] | [Redact] | 37207594 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | The 1008, approval, final 1003, and DU all identified the revolving account xx[Redacted] was to be paid off at closing. The debt was paid off on the final Closing Disclosure, but was not paid off on the post-close Closing Disclosure. Note: the debt was added back to the DTI. If the debt was not paid off, provide a revised DU and 1008 including the debt in the liabilities. | Reviewer Comment (2026-08-13): Proof consumer debt paid off provided Seller Comment (2026-08-12): [Redacted]: Please see the attached documents showing that the account [Redacted] was paid in full and not included to the DTI. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10352927 | [Redact] | [Redact] | 36753822 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10352927 | [Redact] | [Redact] | 37043280 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for: No primary housing or home. Borrower lives out of his travel trailer full-time, renting [Redacted] spots month-to-month. | 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. The qualifying DSCR on the loan is greater than the guideline minimum. |
[Redacted] DSCR ([Redacted] minimum). | [Redact] [Redact] [Redact] [Redact],Aggregator |
Reviewer Comment (2026-07-22): Client elected to waive the condition with the following Compensating Factors: [Redacted] LTV where [Redacted] is max. [Redacted] DSCR ([Redacted] minimum). [Redacted]-year history managing multiple mortgage all paid as agreed. |
07/22/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||
| [Redact] | 10352927 | [Redact] | [Redact] | 37048225 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | The file is missing the fully executed lease agreement for [Redacted]. Per the guidelines, to calculate Gross Income, use the lower of the executed lease agreement or market rent from the appraisal. | Reviewer Comment (2026-08-14): Received fully executed lease. Exception cleared. Seller Comment (2026-08-13): Lease Reviewer Comment (2026-07-28): Property is tenant occupied. A lease agreement is required. Exception remains. Seller Comment (2026-07-24): Appraisal shows Market Rent, gross monthly rent of $[Redacted], $[Redacted] for the 2nd unit and the actual rent of [Redacted] for unit [Redacted] |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10353955 | [Redact] | [Redact] | 36757710 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10353955 | [Redact] | [Redact] | 36980209 | Compliance | Compliance | State Compliance | Misc. State Level | [Redact] Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty) | [Redacted] Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty exceeding 60 days interest on the unpaid principal balance. | Mortgage loan contains an impermissible prepayment penalty exceeding 60 days' interest on the unpaid principal balance. | Reviewer Comment (2026-07-21): Client elected to waive the condition Seller Comment (2026-07-20): While the borrower signed the prepayment addendum it also says that they are not obligated to pay a prepayment fee if it violates state or federal law. Can you please provide further clarification on what you are looking for? |
07/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10354012 | [Redact] | [Redact] | 36759748 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-14): (Rate Lock) [Redacted] |
09/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10354596 | [Redact] | [Redact] | 36777976 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-28): Waived on Rate Lock: Collateral cleared by Custodian |
08/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10355853 | [Redact] | [Redact] | 36797242 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-24): Waived on Rate Lock: Collateral cleared by Custodian |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10355853 | [Redact] | [Redact] | 36961336 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-07-28): Policy is based on Replacement Cost. Condition cleared. Reviewer Comment (2026-07-28): Replacement coverage is considered. HOI shortfall is $[Redacted]please provide the updated HOI or HOI with guaranteed replacement policy. Exception remains. Seller Comment (2026-07-24): [Redacted]: Per Fannie Mae New Guidance The property insurance policy must provide coverage on a replacement cost basis, with the exception of roofs; property insurance policies that provide such terms of coverage will be deemed to provide sufficient coverage. Reviewer Comment (2026-07-23): Replacement coverage is considered. HOI shortfall is $[Redacted]please provide the updated HOI or HOI with guaranteed replacement policy. Exception remains. Seller Comment (2026-07-22): [Redacted]: The attached policy states that the policy terms and provisions this coverage provides 100% replacement cost coverage for the dwelling up to a maximum of the amount shown on the declaration page. Reviewer Comment (2026-07-22): Received same HOI policy, HOI shortfall is $[Redacted]please provide the updated HOI or HOI with guaranteed replacement policy. Exception remains. Seller Comment (2026-07-21): [Redacted]: Please see the attached HOI policy that states that the loss settlement selection form 7:replacement cost which would mean that the claims are settled on a replacement cost basis. I have also attached a copy of the new Fannie Mae guidance that states this is sufficient verbiage. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10355853 | [Redact] | [Redact] | 36961438 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines state for a short-term rental property twelve (12) months' evidence of receipt via service provider payment receipt history is required. The subject property has been operated as a short-term rental for the previous 9 months. Client exception approval in file | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Post-close reserves [Redacted]([Redacted]; [Redacted]= [Redacted]) | Originator Pre-Close,Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-07-15): Client elected to waive the condition with the following Compensating Factors: Use of STR income over 12 months results in more conservative approach than market rents for LTR. Post-close reserves [Redacted](5x; [Redacted]= [Redacted]). Credit depth ([Redacted]+ years) including mortgage history paid as agreed [Redacted]+ years. |
07/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | ||||||||
| [Redact] | 10355855 | [Redact] | [Redact] | 36797243 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-24): Waived on Rate Lock: Collateral cleared by Custodian |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10355854 | [Redact] | [Redact] | 36797248 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-28): Waived on Rate Lock: Collateral cleared by Custodian |
08/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10355860 | [Redact] | [Redact] | 36797626 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Buyer Comment (2026-08-11): (Rate Lock) [Redacted] [Redacted] delivered [Redacted] Seller Comment (2026-08-10): (Rate Lock) note tracking |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10357385 | [Redact] | [Redact] | 36809516 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-07): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-29): [Redacted]Tracking Number [Redacted] |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10357385 | [Redact] | [Redact] | 37090847 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the original loan amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on an original loan amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-07-28): Client elected to waive the condition on the Non-QM 1st lien |
07/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10357385 | [Redact] | [Redact] | 37092446 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | The subject property is identified as an investment property; however, in the final Form 1003, Section [Redacted] "Will you occupy the property as your primary residence?" is answered as "No." Provide an updated final Form 1003 with corrected information. | Reviewer Comment (2026-08-06): Revised 1003 provided correcting the declarations section Seller Comment (2026-08-05): The occupancy on 1003 now matches Occupancy affidavit on [Redact] and Business purpose cert [Redacted] stating it will be investment should be sufficient. Reviewer Comment (2026-07-31): 1003 received, however, an attestation from the borrower stating that it was a clerical error in the declarations section of the 1003 is required. Seller Comment (2026-07-29): 1003 |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10357385 | [Redact] | [Redact] | 37095648 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. | The borrower selected "yes" they will occupy the property as their primary residence in the declarations section of the initial 1003. | Reviewer Comment (2026-08-10): Client elected to waive the condition Reviewer Comment (2026-08-10): Regraded to EV2-B based on being exempt from high-cost testing and borrower attestation regarding error in marking occupancy. Seller Comment (2026-08-07): Attestation Reviewer Comment (2026-08-06): A revised 1003 will not clear this condition. The loan failed High Cost testing when tested as a primary residence. In order to consider a downgrade of the condition, an attestation from the BORROWER(s) detailing the reason for the error in the declarations section of the 1003 and confirming the occupancy is required. Condition is valid and remains open Seller Comment (2026-08-05): The occupancy on 1003 now matches Occupancy affidavit on [Redact] and Business purpose cert [Redacted] stating it will be investment should be sufficient. Reviewer Comment (2026-07-31): 1003 received, however, an attestation from the borrower stating that it was a clerical error in the declarations section of the 1003 is required. Seller Comment (2026-07-29): See upload |
08/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10357616 | [Redact] | [Redact] | 36809859 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10357616 | [Redact] | [Redact] | 37145813 | 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. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 08/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10357704 | [Redact] | [Redact] | 36810298 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-23): Waived on Rate Lock: Collateral cleared by Custodian |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | B | A | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10357704 | [Redact] | [Redact] | 37445771 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Updated exception category: The primary appraisal with an effective date of [Redacted] and a report date of [Redacted], identified the subject property as a [Redacted]. The secondary appraisal, with an effective date of [Redacted] and a report date of [Redacted], identified the subject property as an Attached SFR. The appraisals must match the same property type. Confirm the correct property type and provided an updated appraisal for the appraisal that identified the incorrect property type. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) 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. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
- [Redacted]% LTV where [Redacted]% is max - [Redacted]% DTI where [Redacted]% is max - [Redacted]FICO where [Redacted]is minimum, including [Redacted]-year credit history paid as agreed |
[Redact],Aggregator [Redact] [Redact] [Redact] [Redact] Aggregator,[Redact] Aggregator,[Redact] |
Reviewer Comment (2026-09-02): Client elected to waive the condition with the following Compensating Factors: - [Redacted]% LTV where [Redacted]% is max - [Redacted]% DTI where [Redacted] is max - [Redacted] FICO where [Redacted] is minimum, including [Redacted]-year credit history paid as agreed |
09/02/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Primary | Purchase | A | B | A | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10358697 | [Redact] | [Redact] | 36815750 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-27): Collateral delivered on [Redacted] via [Redacted]tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10359120 | [Redact] | [Redact] | 36818349 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10359120 | [Redact] | [Redact] | 37011109 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10359130 | [Redact] | [Redact] | 36818565 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-23): Waived on Rate Lock: Collateral cleared by Custodian |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10359130 | [Redact] | [Redact] | 36902666 | 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. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10360124 | [Redact] | [Redact] | 36825306 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10360556 | [Redact] | [Redact] | 36827034 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-10): Updated [Redacted]Tracking Number [Redacted] Seller Comment (2026-06-30): [Redacted]Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10360872 | [Redact] | [Redact] | 36827536 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10360872 | [Redact] | [Redact] | 37053706 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing a copy of the Statement for REO property. | Reviewer Comment (2026-08-05): CD from refi of the REO provided Reviewer Comment (2026-07-31): Please provide the updated 1003 to match the verified expenses $[Redacted]. Exception remains. Seller Comment (2026-07-30): [Redacted] refinanced [Redacted][Redacted] (same day) - Final CD |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10360872 | [Redact] | [Redact] | 37053765 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 07/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10360872 | [Redact] | [Redact] | 37053811 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing Notary date in security instrument. | Reviewer Comment (2026-08-05): [Redacted] affidavit provided identifying the notary date Seller Comment (2026-08-04): Recorded S/A for missing notary date on SI and Recorded Mortgage |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10361011 | [Redact] | [Redact] | 36829108 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10361011 | [Redact] | [Redact] | 37146962 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Reviewer Comment (2026-08-05): Client elected to waive the condition on the Non-QM 1st lien |
08/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10361011 | [Redact] | [Redact] | 37146967 | 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 (2026-08-07): [Redacted] received initial CD. Seller Comment (2026-08-06): [Redacted] please see attached |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10361011 | [Redact] | [Redact] | 37146969 | 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. | Appraisal Re-Inspection Fee 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. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-08-07): [Redacted] received a valid COC. Seller Comment (2026-08-06): [Redacted] Disagree Appraisal was disclosed with LE at [Redacted] see attached |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10361012 | [Redact] | [Redact] | 36829122 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-24): Waived on Rate Lock: Collateral cleared by Custodian |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10362122 | [Redact] | [Redact] | 36833572 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10362122 | [Redact] | [Redact] | 37011659 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing Mortgage Statement for new account #[Redacted] with a balance of $[Redacted]. | Reviewer Comment (2026-07-29): Received HELOC agreement and approval. Exception cleared. Seller Comment (2026-07-28): [Redacted]: Please see attached to confirm the final HELOC P&I. Reviewer Comment (2026-07-23): Received HELOC agreement, however unable to verify the P&I, please provide the documentation to verify the P&I $[Redacted]. Exception remains. Seller Comment (2026-07-22): [Redacted]: Please see the attached HELOC Agreement for the new [Redacted] HELOC that was obtained at the same time as the subject transaction. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redact] | 10362125 | [Redact] | [Redact] | 36833820 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-14): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-13): [Redacted]Tracking Number [Redacted] |
08/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10362125 | [Redact] | [Redact] | 37205336 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Secondary/[Redacted]) | 08/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10362125 | [Redact] | [Redact] | 37205337 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on an Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-08-12): Client elected to waive the condition. |
08/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10363251 | [Redact] | [Redact] | 36835665 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10363251 | [Redact] | [Redact] | 37385405 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-09-03): Updated title commitment provided Seller Comment (2026-09-02): [Redacted] [Redacted] please see attached please clear thank you |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10364310 | [Redact] | [Redact] | 36841426 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10364305 | [Redact] | [Redact] | 36841427 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10364305 | [Redact] | [Redact] | 37145780 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide an updated policy reflecting minimum coverage of $[Redacted] or provide a copy of the insurer's replacement cost estimate supporting the current coverage amount. | Reviewer Comment (2026-08-06): Received RCE. Exception cleared. Seller Comment (2026-08-05): [Redacted] [Redacted]: Please see attached copy of the RCE |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10364311 | [Redact] | [Redact] | 36841588 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10364321 | [Redact] | [Redact] | 36841594 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-18): [Redacted]Tracking Number [Redacted] |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10364321 | [Redact] | [Redact] | 37224554 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify the REO expenses of $[Redacted] for the second home. | Reviewer Comment (2026-08-18): Received tax cert, insurance dec page and HOA verification. Exception cleared. Seller Comment (2026-08-18): reo |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10364321 | [Redact] | [Redact] | 37224559 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify the REO expenses of $[Redacted] for the REO. | Reviewer Comment (2026-08-18): Received tax, insurance and HOA verification. Exception cleared. Seller Comment (2026-08-18): reo |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10364321 | [Redact] | [Redact] | 37224566 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing. | Reviewer Comment (2026-08-18): Received E-sign Consent. Exception cleared. Seller Comment (2026-08-18): audit trail |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10364321 | [Redact] | [Redact] | 37232043 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing income worksheet to verify Asset Depletion income used for qualification. Worksheet in loan file is for another borrower/transaction. | Reviewer Comment (2026-08-19): Received 1084 or income worksheet. Exception cleared. Seller Comment (2026-08-18): worksheet |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10364321 | [Redact] | [Redact] | 37232318 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-08-19): Received 1084 or income worksheet. Exception cleared. Seller Comment (2026-08-18): see uploaded |
08/19/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10364321 | [Redact] | [Redact] | 37232322 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing Asset Depletion income used for qualification. Worksheet in loan file is for another borrower/transaction. | Reviewer Comment (2026-08-19): Received 1084 or income worksheet. Exception cleared. Seller Comment (2026-08-18): see uploaded |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10337902 | [Redact] | 36851040 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | The creditor did not provide the Right to Receive a Copy appraisal disclosure to the applicant within three business days of application or determination of first lien status. | Buyer Comment (2026-07-05): Initial and Final Grade B, accepted. |
07/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10337902 | [Redact] | 37043520 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception in file to use the 1007 Short Term Rental income to qualify in lieu of the [Redacted] rent analysis required by the guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redacted] months reserves. | [Redact],Aggregator | Reviewer Comment (2026-07-22): Client elected to waive the condition with the following compensating factors: [Redacted] months reserves |
07/22/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | B | B | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10364319 | [Redact] | [Redact] | 36842677 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-25): (Rate Lock) Delivered [Redacted] via [Redacted][Redacted] |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Refinance - Limited Cash-out GSE | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10364363 | [Redact] | [Redact] | 36842991 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-13): [Redacted], delivered [Redacted]. |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305183 | [Redact] | 36843322 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Fraud Report is missing for [Redacted]. | Reviewer Comment (2026-04-14): Received Fraud report for the entity. Exception cleared. Buyer Comment (2026-04-13): Please see business fraud guard |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305183 | [Redact] | 36843324 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | [Redacted] Claim/lien $[Redacted] and Claim for Water Service $[Redacted] has been identified in title document . | Reviewer Comment (2026-04-14): Received Email correspondence from title confirming the Judgements and Liens will be cleared in the final title. Exception cleared. Buyer Comment (2026-04-13): Please see u/w rebuttal for liens |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305184 | [Redact] | 36843350 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Fraud Report is missing for [Redacted]. | Reviewer Comment (2026-04-10): Received Fraud report for the entity "[Redacted]". Exception cleared. Buyer Comment (2026-04-09): Please see bus fraud guard |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305184 | [Redact] | 36843351 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Address mismatch, As per title document zip code "[Redacted]", as per appraisal 1004 document zip code "[Redacted]", Lender to ensure all required documents match property address reflected on title report. | Reviewer Comment (2026-04-21): Received Corrected CDA with updated zip code. Exception cleared. Buyer Comment (2026-04-20): Please see updated CDA Reviewer Comment (2026-04-10): Address mismatch, As per title document zip code "[Redacted]", as per CDA document zip code "[Redacted]", Lender to ensure all required documents match property address reflected on title report. Exception remains. Buyer Comment (2026-04-09): Please see appraisal zip code reflects [Redacted] |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10305184 | [Redact] | 36843353 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | In Title Commitment Judgment of Lien "[Redacted] Claim/lien" $[Redacted] & "[Redacted]" $[Redacted] has been identified. Not paid through closing or released on title. | Reviewer Comment (2026-04-14): Email copy is provided from title company with paid off of "[Redacted]" $[Redacted]& "[Redacted]" $[Redacted]. Exception cleared Buyer Comment (2026-04-13): Please see u/w rebuttal |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10364384 | [Redact] | [Redact] | 36844289 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10364384 | [Redact] | [Redact] | 37147361 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Reviewer Comment (2026-08-05): Client elected to waive the condition on the Non-QM 1st lien |
08/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10364543 | [Redact] | [Redact] | 36846483 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10365342 | [Redact] | [Redact] | 36850485 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-10): collateral shipped via [Redacted] Tracking ID: [Redacted], Delivered [Redacted], [Redacted][Redacted] at [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10365342 | [Redact] | [Redact] | 37141724 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-08-10): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-10): Please find Business Purpose affidavit attached |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10365530 | [Redact] | [Redact] | 36851023 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-04): Waived on Rate Lock: Collateral cleared by Custodian |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10365530 | [Redact] | [Redact] | 37115708 | 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. | Reviewer Comment (2026-07-30): Sufficient Cure Provided At Closing |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10365530 | [Redact] | [Redact] | 37115709 | 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. | Reviewer Comment (2026-07-30): Sufficient Cure Provided At Closing |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10365530 | [Redact] | [Redact] | 37124550 | Credit | Income | Income Error | Income | The total of Statement Period Months entered is less than the Qualifying Method entered of Most Recent 12 months. | - | The total of Statement Period Months entered is less than the Qualifying Method entered of Most Recent 12 months (Bank Statement account number ending [Redacted] months ending [Redacted] not provided). | Reviewer Comment (2026-08-04): Received bank statement [Redacted]. Exception cleared. Seller Comment (2026-08-03): [Redacted] [Redacted]: please see the attached [Redacted] bank statement for the [Redact] #[Redacted] account to support a 12 month calculation. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10365530 | [Redact] | [Redact] | 37124583 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non-QM does not match Due Diligence Loan Designation of ATR Fail due to Bank Statement account number ending [Redacted] months ending [Redacted] not provided. | Reviewer Comment (2026-08-04): Received bank statement [Redacted]. Exception cleared. Seller Comment (2026-08-03): [Redacted] [Redacted]: please see the attached [Redacted] bank statement for the [Redact] #[Redacted] account to support a 12 month calculation. |
08/04/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10365530 | [Redact] | [Redact] | 37124584 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank [Redacted]): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines (Bank Statement account number ending [Redacted] months ending [Redacted] not provided). | Reviewer Comment (2026-08-04): Received bank statement [Redacted]. Exception cleared. Seller Comment (2026-08-03): [Redacted] [Redacted]: please see the attached [Redacted] bank statement for the [Redact] #[Redacted] account to support a 12 month calculation. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10365530 | [Redact] | [Redact] | 37124585 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [Redacted]): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied due to Bank Statement account number ending [Redacted] months ending [Redacted] not provided. | Reviewer Comment (2026-08-04): Received bank statement [Redacted]. Exception cleared. |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10365530 | [Redact] | [Redact] | 37124665 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay due to Bank Statement account number ending [Redacted] months ending [Redacted] not provided. | Reviewer Comment (2026-08-04): Received bank statement [Redacted]. Exception cleared. Seller Comment (2026-08-03): [Redacted] [Redacted]: please see the attached [Redacted] bank statement for the [Redact] #[Redacted] account to support a 12 month calculation. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10365530 | [Redact] | [Redact] | 37142931 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-08-04): Received bank statement [Redacted]. Exception cleared. |
08/04/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||
| [Redact] | 10365672 | [Redact] | [Redact] | 36851393 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-23): [Redacted]Tracking Number [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10365842 | [Redact] | [Redact] | 36856174 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-22): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10365842 | [Redact] | [Redact] | 37024943 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not provided. | Reviewer Comment (2026-07-22): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-22): business purpose |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10365868 | [Redact] | [Redact] | 36856676 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-29): Please find listed [Redacted] Tracking ID:[Redacted], Delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10365868 | [Redact] | [Redact] | 37075793 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted]. | Reviewer Comment (2026-08-18): FNMA selling guide was updated on [Redacted][Redacted] and removed the previous coverage requirement calculation. The HOI was written on a replacement cost basis and the coverage is sufficient. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10365868 | [Redact] | [Redact] | 37076250 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 07/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10365877 | [Redact] | [Redact] | 36856680 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10365871 | [Redact] | [Redact] | 36856689 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10365871 | [Redact] | [Redact] | 37180119 | 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. | Reviewer Comment (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10365871 | [Redact] | [Redact] | 37180120 | 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 (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10365873 | [Redact] | [Redact] | 36856710 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-17): Waived on Rate Lock: Collateral cleared by Custodian |
08/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10365873 | [Redact] | [Redact] | 37140825 | 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 Mortgage Broker Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Mortgage Broker Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-08-07): [Redacted] Received valid CPC dated [Redacted]. Seller Comment (2026-08-06): (Rate Lock) LE Seller Comment (2026-08-06): (Rate Lock) LE and change of circumstance for broker fee increase. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | ||||||||
| [Redact] | 10365908 | [Redact] | [Redact] | 36856872 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-14): [Redacted]Tracking Number [Redacted] |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10365908 | [Redact] | [Redact] | 37225345 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The final 1003 identified the PITIA of $[Redacted] for the REO; however, the mortgage statement verified the PITI of $[Redacted]. The file is missing proof of HOA dues and any other expenses to calculate the $[Redacted] PITIA. | Reviewer Comment (2026-08-17): CD from refinance of REO provided Seller Comment (2026-08-17): please see attached reo [Redacted] CD for hoi\tax amounts Reviewer Comment (2026-08-17): Received HOA verification. Please provide the proof of remaining expenses for the amount $[Redacted]. Exception remains. Seller Comment (2026-08-14): please see attached reo [Redacted] appraisal showing HOA $[Redacted]dues |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10365944 | [Redact] | [Redact] | 36857378 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10365944 | [Redact] | [Redact] | 37141528 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard insurance coverage amount is insufficient by $[Redacted]. | Reviewer Comment (2026-08-06): Received updated HOI policy. Exception cleared. Seller Comment (2026-08-05): [Redacted] [Redacted]: Please see the attached current policy active at time of closing and the renewal policy that both show extended dwelling coverage of [Redacted]%. That would make the total dwelling coverage $[Redacted] which would cover the loan amount. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10356603 | [Redact] | 36885314 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The homeowner's insurance declarations page in the file verified an effective date of [Redacted] which is after the consummation date of [Redacted]. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] 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 or equal to [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. |
Comp factors: [Redacted] months reserves | [Redact],Aggregator [Redact] [Redact] [Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-10-02): Client elected to waive the condition with the following Comp factors: [Redacted] months reserves Seller Comment (2026-10-02): insurance letter Reviewer Comment (2026-09-30): Confirmation from insurance company stating there were no claims was not provided. The email sent by the lender was in file, but did not identify the reply from the insurance company. Seller Comment (2026-09-28): letter from insurance company no claims filed Reviewer Comment (2026-09-03): The property is in a wet-funding state and the transaction date is used for testing the effective and expiration dates. The borrowers took ownership of the property at closing and HOI coverage is required to be in effect at or prior to closing. The condition is valid and remains open Seller Comment (2026-09-02): [Redacted] bases its insurance coverage on the disbursement date of the loan. We have had this policy since the inception of our company, and we have not had any issue with this policy until these loans were made (Loan numbers) . We reviewed the [Redacted] guidelines to see how they addressed insurance coverage and did not see anything addressing this. It is our understanding that if the guidelines are silent, [Redacted] defers to Fannie Mae guidelines. Per Fannie Mae (below) a policy must be effective no later than the closing date, which is stated as the disbursement/note date. [Redacted] has met the requirement of effective coverage on the disbursement date, which is in line with the requirements. Per Fannie Mae (FNMA) guidelines, a homeowners insurance policy must become effective no later than the closing date (the disbursement/note date) of the mortgage loan to ensure there is no gap in coverage when the borrower takes ownership. Key Timing Requirements • Closing Date Match: The effective date of the property insurance policy must cover the date the loan closes and the property is transferred or funded. • Prior Coverage: Lenders frequently require the policy to start a day or two before closing to satisfy underwriting and closing buffers, but FNMA strictly mandates that valid coverage is active at the time of closing and disbursement. Reviewer Comment (2026-07-31): If it is a dry state then it would be as of the disbursement date. [Redacted] is a wet funding state, therefore, it is by the consummation date. Seller Comment (2026-07-29): is this a new requirement? the insurance date must be dated from the date of disbursement/funding? Reviewer Comment (2026-07-27): The effective date must be at or prior to [Redacted], which is the date of consummation. or signing date. Seller Comment (2026-07-24): can you clarify? are saying that the insurance dated prior to the date we funded is a problem? Or prior to the date of signing? Reviewer Comment (2026-07-17): The binder provided ([Redacted]) was dated prior to the declarations page in file ([Redacted]) verifying the effective date of [Redacted]. A revised declarations page or policy verifying the updated effective date. Condition remains Seller Comment (2026-07-16): hoi effective [Redacted] Reviewer Comment (2026-07-15): The settlement date/consummation date is [Redacted]. The insurance was in effect as of [Redacted], post-consummation. A revised declarations page/policy verifying the coverage was in effect on or before [Redacted] is required. Condition is valid and remains open Seller Comment (2026-07-13): final alta shows settlement as [Redacted] see attached Reviewer Comment (2026-07-13): [Redacted] is a wet funding state, The HOI is required to be at or prior to consummation which is [Redacted]. Condition is valid and remains open Seller Comment (2026-07-09): if the policy is effective [Redacted] and it funded [Redacted], it is not after the funding date |
10/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10356603 | [Redact] | 36885341 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] | Buyer Comment (2026-07-07): Initial and Final Grade B, accepted |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10356602 | [Redact] | 36900535 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Guidelines do not allow for the Hazard Insurance Policy to have an effective date that is after the later of the disbursement date, note date, or transaction date. | Reviewer Comment (2026-07-15): Post-close CD and final settlement statement provided verifying an updated disbursement date. Seller Comment (2026-07-14): PCCD for disbursement |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10356602 | [Redact] | 36900556 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by [Redact]. Provide an updated policy reflecting minimum coverage of [Redact] or provide a copy of the insurer's replacement cost estimate supporting the current coverage amount. | Reviewer Comment (2026-07-15): RCE provided Seller Comment (2026-07-15): RCE |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10356546 | [Redact] | 36890516 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356546 | [Redact] | 36890525 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Initial Right to Receive a Copy appraisal was missing from the file. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10356546 | [Redact] | 36890541 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard insurance coverage amount is insufficient by $[Redacted]. Note: it appears there may be an additional policy as the dec page in file verified a premium of $[Redacted] or $[Redacted] per month, but the lender qualified with insurance costs of $[Redacted] per month ($[Redacted]/year premium not documented in file). | Reviewer Comment (2026-07-23): Revised HOI coverage provided and new coverage amount exceeds the loan amount which meets the guideline requirements Seller Comment (2026-07-22): hoi |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356546 | [Redact] | 36939311 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement - Real Estate Owned (REO) not provided | The file is missing a copy of the lease extension or updated lease agreement for unit [Redacted], verifying the gross rent of $[Redacted], as identified by the appraisal. The current lease in file ended [Redacted] and verified the monthly payment of $[Redacted] and the appraisal identified it was currently month-to-month. | Reviewer Comment (2026-08-05): Revised DSCR worksheet provided matching the calculated DSCR Seller Comment (2026-08-04): DSCR screen attached Reviewer Comment (2026-07-28): Please provide updated DSCR worksheet reflecting use of both lower rents and updated DSCR to [Redacted]. Seller Comment (2026-07-24): we don't need the higher payment for qualifying so the [Redacted] months receipt is not needed If the lower of the rents is used for each unit: [Redacted]$[Redacted](from Appraisal) [Redacted]$[Redacted](from Lease) Total of $[Redacted]. Which still qualifies with a DSCR of [Redacted]. Reviewer Comment (2026-07-22): Seller rebuttal reviewed and the extension is not required. The lease amount of $[Redacted] was used. However, the lender used the higher lease amount of $[Redacted] for unit [Redacted], which is acceptable per the guides if the file contains proof of [Redacted] months receipt at the higher amount. The file was missing proof of [Redacted] months receipt of the $[Redacted] rent for unit [Redacted]. Condition remains Seller Comment (2026-07-21): The amount of rents used for qualifying are: $[Redacted]for unit #[Redacted]-based on lease $[Redacted]for unit #[Redacted]-based on lease Total $[Redacted]. The appraiser had a higher rent of $[Redacted]. The lower more conservative amount was used for qualifying. No additional documentation is required. |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356621 | [Redact] | 36891116 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not provided. | Reviewer Comment (2026-07-17): HOI dec page provided Seller Comment (2026-07-16): HOI |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356621 | [Redact] | 36922937 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-07-10): Initial and Final Grade B, accepted. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10356621 | [Redact] | 36939523 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | The lender calculated the [Redacted] using gross rent of $[Redacted] from the month-to-month lease agreement in file. However, the bank statements in file verified rent received of $[Redacted] on [Redacted] and [Redacted]. The lower received rent of $[Redacted] was used to calculate the DSCR. | Reviewer Comment (2026-08-06): Lender rebuttal provided. Month-to-month rent used to calculate DSCR. A new condition for missing proof of receipt set. Seller Comment (2026-08-05): Borrower receives cash for the remaining balance of the rent from the other tenant. It's not a typical in that market and with the demographic of renters in that area. Property rents under market. We have no reason to believe the subject is rented fully at [Redacted]/mo and we cannot ask landlords to make tenants pay in other ways besides cash. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10356621 | [Redact] | 37173656 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender rebuttal provided regarding proof of the month to month rent of $[Redacted] used to qualify. The guides require proof of receipt of the month-to-month rent to use to calculate the DSCR and only $[Redacted] was verified with the bank statements. Lender rebuttal states the borrower receives the remaining amount in cash. Exception set for the guideline requirement not met and the higher month-to-month rent of $[Redacted] used to calculate the DSCR. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
LTV [Redacted]% [Redacted] months reserves. |
[Redact],Aggregator Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-08-13): Client elected to waive the condition with the following Comp Factors: LTV [Redacted]% and [Redacted] months reserves. Reviewer Comment (2026-08-06): Elevated to the buyer to review |
08/13/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10337856 | [Redact] | 36891866 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | 442 was not found in images. | Reviewer Comment (2026-10-08): 442 provided Seller Comment (2026-10-05): 1004D..not cut off Reviewer Comment (2026-10-04): 442/1004D provided; however every page is cut-off at the bottom, including the photos. Provide a complete copy of the 442/1004D. Condition remains Seller Comment (2026-10-02): 1004D Seller Comment (2026-10-02): 1004D complete Buyer Comment (2026-07-28): Per the appraisal the water was not functional. No inspection provided reflecting the Water as functional. Additionally under [Redacted] areas with unfinished subflooring cannot be included in GLA. Inspection photos reflected the floors remain unfinished and the bedroom was included in the GLA. Reviewer Comment (2026-07-27): Appraisal was made subject to, and Final Inspection was not provided. Alternate documentation was provided in lieu of. Client to review and advise if acceptable. Seller Comment (2026-07-24): The appraisal was subject to a hypothetical assumption that the work is completed. Per FNMA guides we are allowed to provide alternate documentation in lieu of a 1004D Reviewer Comment (2026-07-16): The inspection report and pictures are not acceptable. The appraisal was made "subject to repairs" and not "subject to inspection". A 442/Completion Cert from the appraiser is required. Condition remains Seller Comment (2026-07-14): repairs report provided. |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | C | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10337856 | [Redact] | 36900678 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | C | A | Exempt from ATR | Exempt from ATR | No | ||||||||||||
| [Redact] | 10337856 | [Redact] | 36900735 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | Reviewer Comment (2026-07-16): 1008 provided Seller Comment (2026-07-14): 1008 |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | C | A | Exempt from ATR | Exempt from ATR | No | ||||||||||||
| [Redact] | 10366028 | [Redact] | [Redact] | 36864962 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-04): Waived on Rate Lock: Collateral cleared by Custodian |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Home Improvement | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10366028 | [Redact] | [Redact] | 37124377 | Compliance | Missing Document | General | Missing Document | Incomplete Document: Right to Cancel (RTC) is incomplete | RTC is incomplete. Document is not signed by borrower. | Reviewer Comment (2026-08-05): Received fully executed RTC. Cleared exception. |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Home Improvement | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10366028 | [Redact] | [Redact] | 37124379 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-07-31): Client elected to waive the condition on the Non-QM 1st lien |
07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Home Improvement | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10366028 | [Redact] | [Redact] | 37124382 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | Reviewer Comment (2026-08-05): Received fully executed RTC. Cleared exception. Seller Comment (2026-08-05): [Redacted] Please see attached RTC from closing scanned better |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Home Improvement | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10366028 | [Redact] | [Redact] | 37124383 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | Reviewer Comment (2026-08-05): Received fully executed RTC. Cleared exception. |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Home Improvement | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10366028 | [Redact] | [Redact] | 37127657 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Home Improvement | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10366026 | [Redact] | [Redact] | 36864963 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-28): Waived on Rate Lock: Collateral cleared by Custodian |
08/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10366026 | [Redact] | [Redact] | 37346010 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Points and Fees on the subject loan of [Redacted]% are in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-08-25): Client elected to waive the condition on the Non-QM 1st lien |
08/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10366026 | [Redact] | [Redact] | 37346013 | 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 Closing Disclosure was not provided to the Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-08-27): [Redacted] received [Redacted] Initial CD, 3 business days prior to the consummation. Seller Comment (2026-08-26): [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted] |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10366026 | [Redact] | [Redact] | 37346219 | 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. | Reviewer Comment (2026-08-25): Sufficient Cure Provided At Closing |
08/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10366024 | [Redact] | [Redact] | 36864964 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-28): Waived on Rate Lock: Collateral cleared by Custodian |
08/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10366024 | [Redact] | [Redact] | 37317915 | 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 (2026-08-21): Sufficient Cure Provided At Closing |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10366024 | [Redact] | [Redact] | 37317917 | 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. | Reviewer Comment (2026-08-21): Sufficient Cure Provided At Closing |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10366024 | [Redact] | [Redact] | 37317918 | 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 Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-21): Sufficient Cure Provided At Closing |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10366024 | [Redact] | [Redact] | 37317919 | 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 (2026-08-21): Sufficient Cure Provided At Closing |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10366025 | [Redact] | [Redact] | 36864966 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-04): Waived on Rate Lock: Collateral cleared by Custodian |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10366025 | [Redact] | [Redact] | 37094609 | 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. | File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-08-11): [Redacted] Received Valid COC dated [Redacted] and [Redacted] along with revised CD dated [Redacted] and [Redacted]. Seller Comment (2026-08-10): [Redacted] Disagree: The initial LE that was issued on [Redacted] was floating so the Discount Points can change per TILA 1026.19(e)(3)(iv)(D). On [Redacted] the loan locked with discounts points of $[Redacted]and disclosed a CD to the borrower. Please see attached redisclosed CD, Lock Confirmation, and Final CD. On [Redacted] the borrower requested CoC to change the loan amount which caused final pricing to change and a new CD was disclosed. On [Redacted] a Closing disclosure went out to the borrower to redisclose the charge. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10366025 | [Redact] | [Redact] | 37094610 | 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 $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-08-24): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-08-21): [Redacted] Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery. |
08/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10366031 | [Redact] | [Redact] | 36865495 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-20): Waived on Rate Lock: Collateral cleared by Custodian |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10366031 | [Redact] | [Redact] | 37236117 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify the PITIA for the primary residence. Note: lender qualified with PITIA of $[Redacted]. | Reviewer Comment (2026-08-19): Documentation to verify the PITIA provided Reviewer Comment (2026-08-19): Final 1003 shows total other expenses $[Redacted], we have verified taxes $[Redacted] and Insurance $[Redacted] monthly. Please provide the proof of documentation for the remaining expenses $[Redacted]. Exception remains. Seller Comment (2026-08-18): PITIA |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10366031 | [Redact] | [Redact] | 37236122 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify the REO expenses for the investment property. Note: the file contained proof of the HOI, but missing taxes and HOA if any to support the $[Redacted] used to qualify. | Reviewer Comment (2026-08-19): Received Tax and HOA verification. Exception cleared. Seller Comment (2026-08-18): HOA/Taxes |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10366031 | [Redact] | [Redact] | 37236128 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | The file is missing a copy of Purchase Agreement / Sales Contract. | Reviewer Comment (2026-08-19): Received Purchase Agreement / Sales Contract. Exception cleared. Seller Comment (2026-08-18): Signed PC |
08/19/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10366031 | [Redact] | [Redact] | 37236153 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): 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. | 08/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10366031 | [Redact] | [Redact] | 37236154 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Reviewer Comment (2026-08-18): [Redacted] received initial LE Seller Comment (2026-08-18): ILE |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10366031 | [Redact] | [Redact] | 37236156 | 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. | 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. | Reviewer Comment (2026-08-18): [Redacted] received valid COC Seller Comment (2026-08-18): COC |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10366031 | [Redact] | [Redact] | 37251612 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Per the guides, the most recent six months' statements are required for asset depletion. Both borrowers qualified with asset depletion, and only three months' statements for the accounts used were on file. Provide the month-end statements for [Redacted], [Redacted], and [Redacted] for the borrower's [Redacted] account and the month-end statements for [Redacted], [Redacted], and [Redacted] for the co-borrower's [Redacted] account. | Reviewer Comment (2026-08-21): Additional statements provided; there are now [Redacted] months statements for the accounts used for the borrower's and co-borrower's Asset Depletion, meeting the guideline requirement of [Redacted] months. Seller Comment (2026-08-20): [Redacted] months both accounts as [Redacted] of the three should have been in file already - clear please or provided extremely accurate and detailed response. Reviewer Comment (2026-08-19): Updated comment: An additional three months' statements provided for the borrower's and co-borrower's income. However, the statements provided were for the months [Redacted]. The initial file contained three months' statements for the period [Redacted]. Per the guidelines, the most recent [Redacted] months of CONSECUTIVE asset statements are required. Provide statements for both borrowers covering the period [Redacted]. Condition is valid and remains open Reviewer Comment (2026-08-19): Received [Redacted], [Redacted]& [Redacted][Redacted]bank statements. Both borrowers qualified with asset depletion. Provide the month-end statements for [Redacted], [Redacted] and [Redacted] for the borrower's [Redacted] account and the month-end statements for [Redacted], [Redacted], and [Redacted] for the co-borrower's [Redacted] account. Exception remains. Seller Comment (2026-08-18): 3 other months |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10366031 | [Redact] | [Redact] | 37251700 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The calculated asset depletion income for the co-borrower was less than the amount the lender used to qualify. Provide a breakdown of the accounts (with account numbers) and amounts used to qualify. | Reviewer Comment (2026-08-19): Income calc worksheet provided Seller Comment (2026-08-18): Asset worksheets |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10366031 | [Redact] | [Redact] | 37251811 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Condition will be cleared when all ATR/Guideline conditions are cleared. | Reviewer Comment (2026-08-21): Additional statements provided; there are now [Redacted] months statements for the accounts used for the borrower's and co-borrower's Asset Depletion, meeting the guideline requirement of [Redacted] months. Reviewer Comment (2026-08-19): An additional three months' statements provided for the borrower's and co-borrower's income. However, the statements provided were for the months [Redacted]. The initial file contained three months' statements for the period [Redacted]. Per the guidelines, the most recent [Redacted] of CONSECUTIVE asset statements are required. Provide statements for both borrowers covering the period [Redacted]. Condition is valid and remains open Seller Comment (2026-08-18): Docs provided |
08/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10366031 | [Redact] | [Redact] | 37251812 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [Redacted]): Ability to Repay (Dodd-Frank [Redacted]): 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.) | Per the guides, the most recent six months' statements are required for asset depletion. Both borrowers qualified with asset depletion, and only three months' statements for the accounts used were on file. Provide the month-end statements for [Redacted], [Redacted], and [Redacted] for the borrower's [Redacted] account and the month-end statements for [Redacted], [Redacted], and [Redacted] for the co-borrower's [Redacted] account. | Reviewer Comment (2026-08-21): Additional statements provided; there are now [Redacted] months statements for the accounts used for the borrower's and co-borrower's Asset Depletion, meeting the guideline requirement of [Redacted] months. Reviewer Comment (2026-08-19): An additional three months' statements provided for the borrower's and co-borrower's income. However, the statements provided were for the months [Redacted]. The initial file contained three months' statements for the period [Redacted]. Per the guidelines, the most recent [Redacted] of CONSECUTIVE asset statements are required. Provide statements for both borrowers covering the period [Redacted]. Condition is valid and remains open Seller Comment (2026-08-18): Docs provided |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10366031 | [Redact] | [Redact] | 37251813 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Per the guides, the most recent six months' statements are required for asset depletion. Both borrowers qualified with asset depletion, and only three months' statements for the accounts used were on file. Provide the month-end statements for [Redacted], [Redacted], and [Redacted] for the borrower's [Redacted] account and the month-end statements for [Redacted], [Redacted], and [Redacted] for the co-borrower's [Redacted] account. | Reviewer Comment (2026-08-21): Additional statements provided; there are now [Redacted] months statements for the accounts used for the borrower's and co-borrower's Asset Depletion, meeting the guideline requirement of [Redacted] months. Reviewer Comment (2026-08-19): An additional three months' statements provided for the borrower's and co-borrower's income. However, the statements provided were for the months [Redacted]. The initial file contained three months' statements for the period [Redacted]. Per the guidelines, the most recent [Redacted] months of CONSECUTIVE asset statements are required. Provide statements for both borrowers covering the period [Redacted]. Condition is valid and remains open Seller Comment (2026-08-18): Docs provided |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10366087 | [Redact] | [Redact] | 36866873 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-24): Collateral delivered on [Redacted] via [Redacted]tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10366087 | [Redact] | [Redact] | 37011704 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose was not executed. | Reviewer Comment (2026-07-21): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-21): Please see attached business purpose certificate. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10366088 | [Redact] | [Redact] | 36867025 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-27): Waived on Rate Lock: Collateral cleared by Custodian |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10366088 | [Redact] | [Redact] | 37148467 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase Agreement / Sales Contract was not found in file. | Reviewer Comment (2026-08-07): Contract provided. Exception cleared. Seller Comment (2026-08-06): Purchase Contract |
08/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10366089 | [Redact] | [Redact] | 36867026 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-17): Collateral delivered [Redacted] via [Redacted]tracking # [Redacted] |
09/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10366089 | [Redact] | [Redact] | 37525792 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | File is missing the copy of Business Purpose Certificate. | Reviewer Comment (2026-09-23): Received Business purpose certificate. Exception cleared. Seller Comment (2026-09-22): Please see uploaded Business Purpose form |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10366089 | [Redact] | [Redact] | 37525793 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | File is missing the copy of Cash-Out Utilization. | Reviewer Comment (2026-09-23): Received Business purpose certificate. Exception cleared. Seller Comment (2026-09-22): Please see uploaded Business Purpose form |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10366100 | [Redact] | [Redact] | 36867833 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-10): please confirm receipt of note and clear condition. per [Redacted] tracking, it was delivered on [Redacted] Seller Comment (2026-07-31): [Redacted]tracking # is [Redacted]. |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10366100 | [Redact] | [Redact] | 37103786 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 07/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10366116 | [Redact] | [Redact] | 36868131 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-20): Waived on Rate Lock: Collateral cleared by Custodian |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10366116 | [Redact] | [Redact] | 37231922 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report was not found in file. | Reviewer Comment (2026-08-18): Received Fraud Report. Exception cleared. Seller Comment (2026-08-17): attached |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10366116 | [Redact] | [Redact] | 37232536 | 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 cure was provided. | Reviewer Comment (2026-08-14): Sufficient Cure Provided At Closing |
08/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10366158 | [Redact] | [Redact] | 36868193 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-05): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10366158 | [Redact] | [Redact] | 37104004 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | File is missing the signed Business Purpose Certificate. | Reviewer Comment (2026-07-30): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-30): Please see attached Business Purpose Certificate. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10366609 | [Redact] | [Redact] | 36872524 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-05): Waived on Rate Lock: Collateral cleared by Custodian |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10366609 | [Redact] | [Redact] | 37117231 | 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. | Second Appraisal Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-30): Sufficient Cure Provided At Closing |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10356519 | [Redact] | 36944470 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Verified from documents and guidelines. | Buyer Comment (2026-07-15): Initial and Final Grade B, accepted |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10356519 | [Redact] | 36964772 | 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 (2026-07-13): Sufficient Cure Provided At Closing |
07/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10368175 | [Redact] | [Redact] | 36883425 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-11): Waived on Rate Lock: Collateral cleared by Custodian |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10368175 | [Redact] | [Redact] | 37140149 | 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 (2026-08-03): Sufficient Cure Provided At Closing |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10368175 | [Redact] | [Redact] | 37140161 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy). Unable to determine if appropriate coverage is provided. | 08/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10368167 | [Redact] | [Redact] | 36883426 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-28): Waived on Rate Lock: Collateral cleared by Custodian |
08/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10368167 | [Redact] | [Redact] | 37362427 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA verification not provided. | Reviewer Comment (2026-09-01): Received updated tax verification and 1003. Exception cleared. Seller Comment (2026-08-31): [Redacted] -[Redacted]: The monthly property taxes were overstated. The [Redact] taxes of $[Redacted] were combined with the total taxes of $[Redacted]. Please see the attached tax bill reflected a discounted payment of $[Redacted]. Seller Comment (2026-08-31): [Redacted]: The monthly property taxes were overstated. The [Redact] taxes of $[Redacted] were combined with the total taxes of $[Redacted]. Please see the attached tax bill reflected a discounted payment of $[Redacted]. Reviewer Comment (2026-08-28): Lender rebuttal states there are no HOA dues. Lender qualified the borrower with expenses of $[Redacted]per month. The docs in file verified expenses of $[Redacted] ($[Redacted] taxes + [Redacted] HOI). Unable to determine the additional $[Redacted] expenses used to qualify. Provide documentation to support the total expenses for the primary residence of $[Redacted]. Condition remains Seller Comment (2026-08-27): [Redacted]: Please see attached. The loan integrity report confirms HOA dues are not applicable for this property. The property detail report also supports the REO being a single family residence with no PUD zoning. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10368176 | [Redact] | [Redact] | 36883428 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10368176 | [Redact] | [Redact] | 37140179 | 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. | Zero Percent Fee Tolerance was exceeded for Second Appraisal Fee. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-03): Sufficient Cure Provided At Closing |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10368165 | [Redact] | [Redact] | 36883429 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-11): Waived on Rate Lock: Collateral cleared by Custodian |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10368165 | [Redact] | [Redact] | 37138557 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-08-04): Client elected to waive the condition on the Non-QM 1st lien |
08/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10368165 | [Redact] | [Redact] | 37138562 | 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. | No cure was provided. | Reviewer Comment (2026-08-07): [Redacted] received rebuttal comment and as per rate lock dated [Redacted]. Seller Comment (2026-08-06): [Redacted]: Please see attached Rate Lock sheets and corresponding disclosure. On [Redacted] the DTI changed due to a drop in monthly income, affecting the LLPA, negative pricing disclosed on the [Redacted] CD |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10368165 | [Redact] | [Redact] | 37138563 | 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 Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Cure was provided at closing. | Reviewer Comment (2026-08-04): Cured at closing or within 60 days of consummation prior to TPR review |
08/04/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | 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 | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10368165 | [Redact] | [Redact] | 37179741 | 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 (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | [Redact] | Second Home | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| [Redact] | 10368166 | [Redact] | [Redact] | 36883431 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-04): Waived on Rate Lock: Collateral cleared by Custodian |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10368166 | [Redact] | [Redact] | 37111753 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of .[Redacted]% of the Federal Total Loan Amount and $[Redacted] ([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-07-30): Client elected to waive the condition on the Non-QM 1st lien |
07/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10368171 | [Redact] | [Redact] | 36883444 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10368171 | [Redact] | [Redact] | 37182552 | 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. | Reviewer Comment (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redact] | 10369290 | [Redact] | [Redact] | 36884647 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-02): Collateral shipped via [Redacted] tracking ID [Redacted], Delivered [Redacted], [Redacted] at [Redacted] |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10369290 | [Redact] | [Redact] | 37349480 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not found in file. | Reviewer Comment (2026-08-26): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-26): Please see attached Business Purpose Certs. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10369686 | [Redact] | [Redact] | 36886126 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10369686 | [Redact] | [Redact] | 37141250 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy). Unable to determine if appropriate coverage is provided. | 08/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10369686 | [Redact] | [Redact] | 37141304 | 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 (2026-08-03): Sufficient Cure Provided At Closing |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10369686 | [Redact] | [Redact] | 37141305 | 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 (2026-08-03): Sufficient Cure Provided At Closing |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10369687 | [Redact] | [Redact] | 36886129 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10369687 | [Redact] | [Redact] | 37148199 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted]. | Reviewer Comment (2026-08-05): Client elected to waive the condition on the Non-QM 1st lien |
08/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10369687 | [Redact] | [Redact] | 37148203 | 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. | 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. | Reviewer Comment (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10369687 | [Redact] | [Redact] | 37148204 | 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 Processing 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 Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10369683 | [Redact] | [Redact] | 36886135 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-10): [Redacted]Tracking Number [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10369683 | [Redact] | [Redact] | 37180268 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance and Tax Verification not provided. | Reviewer Comment (2026-08-10): Received Reo Docs. Exception cleared. Seller Comment (2026-08-10): REO Docs |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10369761 | [Redact] | [Redact] | 36886685 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Buyer Comment (2026-08-11): (Rate Lock) [Redacted] [Redacted] delivered [Redacted] Seller Comment (2026-08-10): (Rate Lock) note tracking |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10369761 | [Redact] | [Redact] | 37167567 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on an Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] | Reviewer Comment (2026-08-06): Client elected to waive the condition on the Non-QM 1st lien |
08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10369764 | [Redact] | [Redact] | 36886891 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10369763 | [Redact] | [Redact] | 36886897 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10369768 | [Redact] | [Redact] | 36886899 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10370606 | [Redact] | [Redact] | 36891392 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-05): Waived on Rate Lock: Collateral cleared by Custodian |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10370606 | [Redact] | [Redact] | 37115712 | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB 1894 | [Redacted] Predatory Lending Database Program ([Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment (2026-08-05): Cert of Compliance provided Seller Comment (2026-08-04): [Redacted] Please see attached Certificate of Compliance or Exemption |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10370606 | [Redact] | [Redact] | 37115715 | 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 (2026-07-30): Sufficient Cure Provided At Closing |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10370607 | [Redact] | [Redact] | 36891395 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10371275 | [Redact] | [Redact] | 36891669 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-24): [Redacted] |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10371275 | [Redact] | [Redact] | 37213731 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): 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. | 08/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10371275 | [Redact] | [Redact] | 37213732 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): 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. | 08/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10371275 | [Redact] | [Redact] | 37380482 | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. | Mortgagor Name(s) does not agree with Schedule SCH: WAVE IN THE [Redacted] :NOTE: [Redacted] | Buyer Comment (2026-08-27): Waived on Rate Lock: Collateral cleared by Custodian |
08/27/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||||||
| [Redact] | 10371443 | [Redact] | [Redact] | 36897598 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-28): (Rate Lock) [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10371443 | [Redact] | [Redact] | 37267427 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 08/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10371444 | [Redact] | [Redact] | 36897658 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10371444 | [Redact] | [Redact] | 37082631 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): 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. | 07/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10371444 | [Redact] | [Redact] | 37082632 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-08-20): A copy of the preliminary appraisal was provided and verified there were no material changes to the final appraisal. Seller Comment (2026-08-20): Please see attached. Reviewer Comment (2026-08-04): This condition cannot be waived. In order to be a compliant HPML loan; proof of the borrowers receipt of all valuations at least three business days is required. The final appraisal has a report date of [Redacted] and the loan closed [Redacted]. The borrower was required to receive the final appraisal on [Redacted]. The file contained proof the appraisal was sent to the borrower on [Redacted], which is less than three business days from closing. The condition is valid and remains open Seller Comment (2026-08-03): UW LOE |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10371444 | [Redact] | [Redact] | 37082633 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted]): 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 (2026-08-20): A copy of the preliminary appraisal was provided and verified there were no material changes to the final appraisal. Reviewer Comment (2026-07-31): Provided appraisal delivery [Redacted] is already considered and available in file. Provide the receipt of the valuation within 3 days prior to closing date [Redacted]. Exception remains. Seller Comment (2026-07-30): Appraisal Delivery |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10371444 | [Redact] | [Redact] | 37082634 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-07-28): Client elected to waive the condition on the Non-QM 1st lien |
07/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10371444 | [Redact] | [Redact] | 37299904 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. Revised valuation reflects clerical change only, no impact to compliant HPML determination. | Reviewer Comment (2026-08-20): Client elected to waive the condition |
08/20/2026 | No | 2 | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| [Redact] | 10371657 | [Redact] | [Redact] | 36899089 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-10): [Redacted]Tracking Number [Redacted] |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10371672 | [Redact] | [Redact] | 36899521 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-18): Tracking for this loan is [Redacted] # [Redacted]. Per tracking delivered today. Seller Comment (2026-08-03): Will this finding be cleared soon? Seller Comment (2026-07-23): Collateral package with shipping info Seller Comment (2026-07-23): See attached Collateral package |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10371672 | [Redact] | [Redact] | 37044508 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-07-22): Client elected to waive the condition on the Non-QM 1st lien |
07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10371710 | [Redact] | [Redact] | 36899787 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10371710 | [Redact] | [Redact] | 37012735 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | 07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10371700 | [Redact] | [Redact] | 36899789 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10371700 | [Redact] | [Redact] | 37022387 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence that borrower received a copy of appraisal 3 business days to closing. | 07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10371709 | [Redact] | [Redact] | 36899790 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10371709 | [Redact] | [Redact] | 37020090 | 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. | ECOA Receipt of Appraisal Without Waiver | 07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10371703 | [Redact] | [Redact] | 36899941 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-31): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10371996 | [Redact] | [Redact] | 36900192 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | D | A | D | A | B | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10371996 | [Redact] | [Redact] | 37083718 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase Agreement / Sales Contract is missing. | Reviewer Comment (2026-07-30): Received purchase contract. Exception cleared. Seller Comment (2026-07-29): Purchase Contract |
07/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | B | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10371996 | [Redact] | [Redact] | 37083728 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Missing bank statements to support funds from checking account ending in [Redacted] as reflected on the final 1003. | Reviewer Comment (2026-08-06): Additional assets and proof of usability provided Seller Comment (2026-08-06): Proof of name change. Reviewer Comment (2026-08-05): Business return shows the name as "[Redacted]", however bank statements we have received is in the name of "[Redacted]", unable to verify the business are one and same. Please provide the Evidence of Access to Funds. Exception remains. Seller Comment (2026-08-04): B1 and B2 are [Redacted]% owners of the business so an access letter is not required. Proof of this can be found on the business returns. They show [Redacted]/[Redacted] ownership. Please clear this condition. Thank you. Reviewer Comment (2026-08-03): Received business bank statements for "[Redacted]", however percentage of ownership & access letter is not available. Please provide the Evidence of Access to Funds. Exception remains. Seller Comment (2026-07-31): Statements [Redacted] |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | B | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10371996 | [Redact] | [Redact] | 37083853 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-07-30): Received appraisal waiver check box checked for right to receive copy of appraisal . Exception cleared. Seller Comment (2026-07-29): Valuation Waiver |
07/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | D | A | D | A | B | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10371996 | [Redact] | [Redact] | 37083857 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Missing bank statements to support funds from checking account ending in [Redacted] as reflected on the final 1003. | Reviewer Comment (2026-08-06): Additional assets and proof of usability provided Reviewer Comment (2026-07-30): Received business bank statements for "[Redacted]", however percentage of ownership & access letter is not available. Please provide the Evidence of Access to Funds. Exception remains. Seller Comment (2026-07-29): [Redacted] [Redacted] |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | B | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10371998 | [Redact] | [Redact] | 36900350 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-20): Waived on Rate Lock: Collateral cleared by Custodian |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10371998 | [Redact] | [Redact] | 37231855 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | The homeowner's insurance declarations page in the file verified an effective date of [Redacted] which is after the consummation date of [Redacted]. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. | Reviewer Comment (2026-08-20): Received Prior Hazard Insurance Policy. Exception cleared. Seller Comment (2026-08-20): (Rate Lock) HOI and payoff |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10371998 | [Redact] | [Redact] | 37231858 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Loan Payoff Statement not provided | Mortgage Loan Payoff Statement is missing. | Reviewer Comment (2026-08-20): Received Mortgage Loan Payoff Statement. Exception cleared. Seller Comment (2026-08-20): (Rate Lock) HOI and payoff |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10372975 | [Redact] | [Redact] | 36904908 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10291156 | [Redact] | [Redact] | 36905854 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-21): Collateral package was received by buyer on [Redacted], tracking # [Redacted] |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10291156 | [Redact] | [Redact] | 37025820 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing a copy of Tax Verification for REO property. | Reviewer Comment (2026-08-03): Documentation provided verifying the property was included on the tax bill for another REO. Properties are on the same lot with different addresses. Reviewer Comment (2026-08-03): Received email conversation, however we are unable to recognise the exact tax payment for the property #[Redacted] which has [Redacted] APN with [Redacted] properties '[Redacted]' combined tax payments $[Redacted], an email also states There is only HOI payments [Redacted] for the property #[Redacted]. Need explanation regarding whether borrower is paying taxes or not, is this property is a 'lot'. We cannot identify the exact tax payments since its combined with the other properties. Exception remains. Buyer Comment (2026-07-31): (Rate Lock) LOE Reviewer Comment (2026-07-29): Received property report and tax payment transaction for the different properties. Unable to verify the tax payment. Please provide the tax certificate. Exception remains. Seller Comment (2026-07-28): LOE, property profiles and tax history for all properties. Reviewer Comment (2026-07-22): Lender rebuttal identified a plat map was provided to show the property address is one and the same as another REO. The plat map was not provided. Additional information is required to confirm that the taxes on the other REO include this REO. Condition remains Seller Comment (2026-07-22): This property has two addresses, SAME property - you have verification on the other address [Redacted] Plesae review LOE's Reviewer Comment (2026-07-22): The address is completely different, unable to verify taxes for the property #[Redacted]. Exception remains. Seller Comment (2026-07-21): Borrower LOE Seller Comment (2026-07-21): Broker LOE Seller Comment (2026-07-21): [Redacted] has another valid address, aka [Redacted]. Providing property profile for this REO property, LOE from broker and LOE from borrower confirming this is the same property. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10291156 | [Redact] | [Redact] | 37025821 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing a copy of Tax Verification for REO property. | Reviewer Comment (2026-08-03): Documentation provided verifying the property was included on the tax bill for another REO. Properties are on the same lot with different addresses. Reviewer Comment (2026-08-03): Received email conversation, however we are unable to recognise the exact tax payment for the property #[Redacted] which has [Redacted] APN with [Redacted] properties '[Redacted]/[Redacted]' combined tax payments $[Redacted], an email also states There is only HOI payments [Redacted] for the property #[Redacted] . Need explanation regarding whether borrower is paying taxes or not, is this property is a 'lot', are these properties are one and same. We cannot identify the exact tax payments since its combined with the other properties. Exception remains. Buyer Comment (2026-07-31): (Rate Lock) LOE Reviewer Comment (2026-07-29): Received property report and tax payment transaction for the different properties shows '[Redacted]/[Redacted] [Redact]' Unable to verify the tax payment for the #[Redacted]. note: property #[Redacted] is different REO. Please provide the tax certificate. Exception remains. Seller Comment (2026-07-28): LOE, property profiles and tax history for all properties. Reviewer Comment (2026-07-22): Lender rebuttal states the property is on the same tax bill as another REO. Additional information is required to confirm that the taxes on the other REO include this REO. Condition remains Seller Comment (2026-07-22): Underwriter confirms this property is on a corner lot with two valid addresses. Providing his LOE and map to confirm. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10291156 | [Redact] | [Redact] | 37025906 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | The investor qualifying total debt ratio of [Redacted]% exceeds the guideline maximum of [Redacted]%. Based on the final 1003, the REO property at [Redacted] reflects an "Other Payment" of $[Redacted]; however, this expense was not included in the DTI calculation on the 1008, resulting in the variance. | Reviewer Comment (2026-07-22): Revised 1008 provided and debts updated; loan is below the [Redacted] max DTI. Reviewer Comment (2026-07-22): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Seller Comment (2026-07-22): Underwriter updated 1008 and included the "other" costs $[Redacted]. DTI is < [Redacted]. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10291156 | [Redact] | [Redact] | 37025918 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on an Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted]. | Reviewer Comment (2026-07-20): Client elected to waive the condition on the Non-QM 1st lien |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10291156 | [Redact] | [Redact] | 37026959 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-07-22): Disclosure and proof of receipt of disclosure provided Seller Comment (2026-07-22): Why are you referencing a closing disclosure for Right to Receive copy of appraisal disclosed with 3 days of application? ECOA - Right to receive copy of appraisal is part of our Unified Business Purpose Disclosure that I provided. Did you review Disclosure Tracking deatils report? This confirms our Buisiness Purpose disclosure that INCLUDES ECOA - was emailed to the borrower day after application date. I have provide this same documentaion for [Redacted] years to [Redacted] on this specific exception and never had an issue. Reviewer Comment (2026-07-22): Received e-sign disclosure, however e-sign document does not show closing disclosure is provided. Please provide the right to receive copy of appraisal within the 3 business days of application date. Exception remains. Seller Comment (2026-07-21): Unified Business Purpose Disclosure Seller Comment (2026-07-21): Application date was [Redacted], initial disclosure including the Unified Business Purpose Disclosure - that includes ECOA right to receive copy of appaisal, were emailed to the borrower day after application. Providing Disclosure Tracking Details report and a copy of the disclosure. |
07/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10291156 | [Redact] | [Redact] | 37027945 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per the guidelines, All Business purpose loans require [Redacted]. Lender exception to waive [Redacted]. Client Exception Approval form is not in file. | 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 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. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
• Job stability: Investor experience: [Redacted] years documented investor experience | [Redact],Aggregator [Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-08-04): Client elected to waive the condition with the following compensating factors • Credit Depth: [Redacted] years mortgage payment history, [Redacted] years trade history paid as agreed. • LTV of [Redacted]% where [Redacted]% is maximum • Job stability: Investor experience: [Redacted] years documented investor experience Seller Comment (2026-08-04): [Redacted] credit exception approval. |
08/04/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||
| [Redact] | 10373601 | [Redact] | [Redact] | 36913059 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-17): Waived on Rate Lock: Collateral cleared by Custodian |
08/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10373601 | [Redact] | [Redact] | 37198881 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to the borrower was not provided. | 08/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10373601 | [Redact] | [Redact] | 37198885 | 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. | Reviewer Comment (2026-08-10): Sufficient Cure Provided At Closing |
08/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10373600 | [Redact] | [Redact] | 36913072 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-25): Waived on Rate Lock: Collateral cleared by Custodian |
08/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10373600 | [Redact] | [Redact] | 37289242 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Reviewer Comment (2026-08-20): Client elected to waive the condition on the Non-QM 1st lien |
08/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10373596 | [Redact] | [Redact] | 36913081 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10373599 | [Redact] | [Redact] | 36913090 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-27): Waived on Rate Lock: Collateral cleared by Custodian |
07/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10373599 | [Redact] | [Redact] | 37033529 | 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. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 07/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10373630 | [Redact] | [Redact] | 36916969 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-21): (Rate Lock) [Redacted] |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10373630 | [Redact] | [Redact] | 37274509 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 08/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10373813 | [Redact] | [Redact] | 36920205 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10373813 | [Redact] | [Redact] | 37036886 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Missing Hazard Insurance Policy. | Reviewer Comment (2026-08-04): Received HOI policy and RCE. Exception cleared. Seller Comment (2026-08-03): EOI and RCE |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10373813 | [Redact] | [Redact] | 37036899 | 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. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Preliminary in file. | 07/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10373815 | [Redact] | [Redact] | 36920227 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10373815 | [Redact] | [Redact] | 37182250 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Flood Certificate was not provided. | Reviewer Comment (2026-08-10): Received Flood Certificate. Exception cleared. Seller Comment (2026-08-10): [Redacted]: please see the attached flood cert for the subject property |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10373815 | [Redact] | [Redact] | 37182432 | 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 (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redact] | 10373815 | [Redact] | [Redact] | 37182433 | 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. | Reviewer Comment (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redact] | 10374163 | [Redact] | [Redact] | 36924691 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-07): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-04): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10374163 | [Redact] | [Redact] | 37094871 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose was not executed. | Reviewer Comment (2026-07-30): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-29): Please find attached Business purpose |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10374388 | [Redact] | [Redact] | 36925470 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-24): (Rate Lock) Note was delivered on [Redacted] under [Redacted][Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10374643 | [Redact] | [Redact] | 36930769 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-19): Waived on Rate Lock: Collateral cleared by Custodian |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10374643 | [Redact] | [Redact] | 37238234 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Per the appraisal, both units of the subject were "Tenant" occupied. The file contained a copy of the lease and extension for the [Redact]tairs unit, but a copy of the lease for the downstairs unit was not in file. | Reviewer Comment (2026-08-18): Received Lease Agreement. Exception cleared. Seller Comment (2026-08-17): [Redacted]: Please see attached lease agreement. Each lease agreement shows two separate lessee/tenant on the documents |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10374642 | [Redact] | [Redact] | 36930770 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-25): Waived on Rate Lock: Collateral cleared by Custodian |
08/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10374756 | [Redact] | [Redact] | 36934405 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10374756 | [Redact] | [Redact] | 37198704 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae [Redacted] 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]versus an investor allowable total of $[Redacted](an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-08-11): Client elected to waive the condition on the Non-QM 1st lien |
08/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10374756 | [Redact] | [Redact] | 37202324 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Sufficient cure was provided. | Reviewer Comment (2026-08-11): Sufficient Cure Provided within 60 Days of Closing |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10374756 | [Redact] | [Redact] | 37202325 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | 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. | Sufficient cure was provided. | Reviewer Comment (2026-08-11): Sufficient Cure Provided within 60 Days of Closing |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10372972 | [Redact] | [Redact] | 36934557 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-11): [Redacted]tracking Seller Comment (2026-08-03): NOTE DELIVERED ON [Redacted] Seller Comment (2026-07-31): [Redacted]tracking |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10372972 | [Redact] | [Redact] | 37117525 | Credit | Guideline | Guideline Issue | Guideline | Guidelines require two years of Tax Transcripts (1040) when 1040 personal tax returns were used to qualify. File contains fewer than two 1040 transcripts. | - | Guidelines require two years of Tax Transcripts (1040) when 1040 personal tax returns were used to qualify. File contains fewer than two 1040 transcripts. | Reviewer Comment (2026-08-11): Transcripts provided Seller Comment (2026-08-10): LOX Seller Comment (2026-08-10): record of acct |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10372972 | [Redact] | [Redact] | 37117526 | Credit | Guideline | Guideline Issue | Guideline | Guidelines require two years of Tax Transcripts (1040) when 1040 personal tax returns were used to qualify. File contains fewer than two 1040 transcripts. | - | Guidelines require two years of Tax Transcripts (1040) when 1040 personal tax returns were used to qualify. File contains fewer than two 1040 transcripts. | Reviewer Comment (2026-08-11): Transcripts provided Seller Comment (2026-08-10): LOX Seller Comment (2026-08-10): record of acct |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10372972 | [Redact] | [Redact] | 37119934 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | 07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10375304 | [Redact] | [Redact] | 36938283 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-03): Note [Redacted] tracking# [Redacted] |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10375374 | [Redact] | [Redact] | 36939260 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-10): please confirm receipt of original note and clear condition. per [Redacted] tracking it was delivered on [Redacted] Seller Comment (2026-08-03): [Redacted]Tracking Number [Redacted] |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10375374 | [Redact] | [Redact] | 37105519 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | A copy of the Insurance Verification and Tax Verification was not found in file. | Reviewer Comment (2026-08-05): Revised 1003 provided correcting the expenses to match the documentation in file. Seller Comment (2026-08-05): please see attached rev 1003 with updated primary tax amount to match tax cert doc [Redacted] Reviewer Comment (2026-08-05): 1003 shows total expenses -$[Redacted], HOA, TAX & Insurance is verified. Proof of expenses are required for the remaining payments $[Redacted]. Exception remains. Seller Comment (2026-08-04): please see attached primary [Redacted] hoa, tax & hoi docs |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10375374 | [Redact] | [Redact] | 37105538 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on an Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-07-31): Client elected to waive the condition on the Non-QM 1st lien |
07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10377469 | [Redact] | [Redact] | 36944646 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-04): Waived on Rate Lock: Collateral cleared by Custodian |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10377469 | [Redact] | [Redact] | 37103991 | 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. | Zero Percent Fee Tolerance was exceeded for the Second Appraisal Fee. A fee amount of $[Redacted] exceeds the tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-29): Sufficient Cure Provided At Closing |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10377494 | [Redact] | [Redact] | 36945627 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-07): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-31): (Rate Lock) [Redacted] - ORIGINAL NOTE DELIVERED [Redacted] PER [Redacted][Redacted] |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10377494 | [Redact] | [Redact] | 37104255 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 07/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10378364 | [Redact] | [Redact] | 36962845 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-14): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-13): [Redacted]Tracking Number [Redacted] |
08/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10378909 | [Redact] | [Redact] | 36963335 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-26): [Redacted]Tracking Number [Redacted] |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | D | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10378909 | [Redact] | [Redact] | 37349340 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | The file is missing a copy of the appraisal. | Reviewer Comment (2026-08-28): Received Appraisal. Exception cleared. Seller Comment (2026-08-27): please see attached appraisal and proof of receipt |
08/28/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | D | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10378909 | [Redact] | [Redact] | 37349361 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing documentation to verify the expense of $[Redacted] for the primary residence. | Reviewer Comment (2026-08-28): Received Insurance Verification and Tax Verification. Exception cleared. Seller Comment (2026-08-27): please see attached reo [Redacted] hoi & tax cert |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | D | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10378909 | [Redact] | [Redact] | 37349364 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify the REO expenses of $[Redacted] for the investment property. | Reviewer Comment (2026-08-28): Received Insurance Verification and Tax Verification. Exception cleared. Seller Comment (2026-08-27): please see attached [Redacted] hoi and tax cert |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | D | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10378909 | [Redact] | [Redact] | 37349445 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal document was missing. | Reviewer Comment (2026-08-28): Received Appraisal. Exception cleared. Seller Comment (2026-08-27): please see attached appraisal and proof of receipt |
08/28/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | D | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10378909 | [Redact] | [Redact] | 37351871 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | 1003 states the borrower would occupy the subject as a primary residence. | 08/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | D | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10378909 | [Redact] | [Redact] | 37354414 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | The declarations section of the initial and final 1003 states the borrower would occupy the subject as a primary residence. Provide a revised 1003 correcting the declarations section. | Reviewer Comment (2026-08-28): Revised 1003 provided Seller Comment (2026-08-27): please see attached rev 1003 for occupancy status |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | D | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10378915 | [Redact] | [Redact] | 36963613 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-14): [Redacted]Tracking Number [Redacted] |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10378915 | [Redact] | [Redact] | 37216660 | 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. | The file is missing a copy of the seller CD. | Reviewer Comment (2026-08-20): Final settlement statement and final CD confirmed there were no seller paid fees Seller Comment (2026-08-20): Final ALTA Reviewer Comment (2026-08-17): [Redacted] received estimated closing statement, however we require true & certified copy of final combined settlement statement to re-evaluate the exception. Seller Comment (2026-08-14): Closing - Closing Disclosure (Seller) |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10378915 | [Redact] | [Redact] | 37216661 | 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 (2026-08-12): Sufficient Cure Provided At Closing |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10378918 | [Redact] | [Redact] | 36963837 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-22): [Redacted]trk#[Redacted]. |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10378918 | [Redact] | [Redact] | 37584253 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The fully executed Business Purpose Cert was not found in file. | Reviewer Comment (2026-10-13): Received Business purpose certificate. Exception cleared. Seller Comment (2026-10-12): Please see uploaded revised Business Purpose form. Reviewer Comment (2026-10-08): Received the Business Purpose Certificate; however, it does not include the property address or borrower name. Exception Remains Seller Comment (2026-10-07): Please see uploaded Business Purpose form |
10/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10378919 | [Redact] | [Redact] | 36963878 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-21): collateral shipped via [Redacted]trk# [Redacted], delivered [Redacted] |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10378919 | [Redact] | [Redact] | 37588752 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The fully executed Business Purpose Cert was not found in the file. | Reviewer Comment (2026-09-22): Received Business purpose certificate. Exception cleared. Seller Comment (2026-09-21): Please find attached business purpose |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10378920 | [Redact] | [Redact] | 36963890 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-21): collateral shipped via [Redacted]Tracking ID [Redacted], delivered [Redacted] |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10378920 | [Redact] | [Redact] | 37582433 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-09-17): Received Business purpose certificate. Exception cleared. Seller Comment (2026-09-17): Please find attached Business purpose |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10378940 | [Redact] | [Redact] | 36964821 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10379166 | [Redact] | [Redact] | 36965820 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10379159 | [Redact] | [Redact] | 36965823 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-04): Waived on Rate Lock: Collateral cleared by Custodian |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10379159 | [Redact] | [Redact] | 37090349 | 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. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the commitment in file. | 07/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10379169 | [Redact] | [Redact] | 36965824 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10379169 | [Redact] | [Redact] | 37055634 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Please provide the Lender's Tax Calculation. | Reviewer Comment (2026-08-04): Received lender calculated tax sheet. Exception cleared. Seller Comment (2026-08-03): [Redacted] [Redacted]: Please see attached document Reviewer Comment (2026-07-31): Please provide the lender calculated Tax calculation sheet. Exception remains. Seller Comment (2026-07-30): [Redacted]: [Redacted] calculated the taxes for the loan using the purchase price of $[Redacted] and the Actual tax rate of [Redacted] [Redacted][Redacted]% with the special assessment amount of $[Redacted] that are the fixed charges on the tax bill. This calculation would give us an annual amount of $[Redacted]. Two installments of $[Redacted]. Reviewer Comment (2026-07-28): Lender used taxes $[Redacted] are not matching with provided tax certificate [Redacted] annually and not matching with default rate [Redacted]% taxes. Please provide the lenders tax calculation. Exception remains. Seller Comment (2026-07-24): [Redacted]: When underwriting a purchase loan in [Redacted], the underwriter will default to calculating the property taxes at [Redacted]% of the purchase price unless tax documentation is provided by the broker. In this the underwriter used the tax rate off of the tax bill to calculate the taxes. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10379173 | [Redact] | [Redact] | 36965828 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-04): [Redacted]Tracking Number [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10379173 | [Redact] | [Redact] | 37118883 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-08-03): E-sign consent provided. Seller Comment (2026-08-03): Please see the E-sign Consent Agreement |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10379173 | [Redact] | [Redact] | 37118910 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of appraisal delivered to borrower was not provided. | 07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10379173 | [Redact] | [Redact] | 37118911 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charges totaled $[Redacted] on an Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-07-31): Client elected to waive the condition on the Non-QM 1st lien |
07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10422058 | [Redact] | [Redact] | 36967212 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Buyer Comment (2026-08-11): (Rate Lock) [Redacted] [Redacted] delivered [Redacted] Seller Comment (2026-08-04): Note tracking |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10422058 | [Redact] | [Redact] | 37117021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 08/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10422058 | [Redact] | [Redact] | 37117022 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-08-03): Client elected to waive the condition. |
08/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10327872 | [Redact] | [Redact] | 36967215 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-03): [Redacted]Tracking Number [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | D | B | D | A | B | B | D | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10327872 | [Redact] | [Redact] | 37102553 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Provide appraisal report dated [Redacted], performed by [Redacted], as reflected on the [Redacted] Desk Review, with an estimated value of $[Redacted]. | Reviewer Comment (2026-08-05): Received 1025 appraisal. Exception cleared. Seller Comment (2026-08-04): appraisal |
08/05/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | B | D | A | B | B | D | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10327872 | [Redact] | [Redact] | 37102716 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Loan is to be securitized. Appraisal is missing. | Reviewer Comment (2026-08-05): Received 1025 appraisal. Exception cleared. Seller Comment (2026-08-04): see uploaded |
08/05/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | B | D | A | B | B | D | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10327872 | [Redact] | [Redact] | 37102730 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not found in file. | Reviewer Comment (2026-08-05): Received E-sign document. Exception cleared. Seller Comment (2026-08-04): Audit trail |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | B | D | A | B | B | D | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10327872 | [Redact] | [Redact] | 37105771 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount or $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on an Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] or $[Redacted]. | Reviewer Comment (2026-07-31): Client elected to waive the condition on the Non-QM 1st lien |
07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | D | A | B | B | D | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10327872 | [Redact] | [Redact] | 37152418 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of appraisal was delivered to borrower was not provided. | 08/05/2026 | No | 2 | B | B | B | B | B | [Redact] | Investment | Purchase | D | B | D | A | B | B | D | A | Exempt from ATR | Exempt from ATR | No | |||||||||||||||
| [Redact] | 10379603 | [Redact] | [Redact] | 36967226 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-04): [Redacted]Tracking Number [Redacted] |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10379603 | [Redact] | [Redact] | 37114490 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-07-31): Client elected to waive the condition on the Non-QM 1st lien |
07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10379603 | [Redact] | [Redact] | 37210977 | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. | The Lifetime Cap does not agree with Schedule SCH: MISSING :NOTE: [Redacted] | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian |
08/13/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||||||
| [Redact] | 10379607 | [Redact] | [Redact] | 36967301 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10380021 | [Redact] | [Redact] | 36971827 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-20): [Redacted]Tracking Number [Redacted] |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10380021 | [Redact] | [Redact] | 37263495 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10380021 | [Redact] | [Redact] | 37263496 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on an Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-08-18): Client elected to waive the condition. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10380039 | [Redact] | [Redact] | 36972690 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-29): [Redacted]Tracking Number [Redacted] |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10380039 | [Redact] | [Redact] | 37080845 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on an Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted]. | Reviewer Comment (2026-07-28): Client elected to waive the condition on the Non-QM 1st lien |
07/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10380389 | [Redact] | [Redact] | 36973582 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-20): Waived on Rate Lock: Collateral cleared by Custodian Buyer Comment (2026-08-18): (Rate Lock) delivered [Redacted] - [Redacted] Seller Comment (2026-08-14): (Rate Lock) note tracking |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10380389 | [Redact] | [Redact] | 37272427 | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. | Mortgagor Name(s) does not agree with Schedule SCH:[Redacted] :ALL DOCS: [Redacted] | Buyer Comment (2026-08-20): Waived on Rate Lock: Collateral cleared by Custodian |
08/20/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||||||
| [Redact] | 10380675 | [Redact] | [Redact] | 36974469 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10380675 | [Redact] | [Redact] | 37139584 | 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. | Reviewer Comment (2026-08-03): Sufficient Cure Provided At Closing |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10380677 | [Redact] | [Redact] | 36974472 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10380671 | [Redact] | [Redact] | 36974574 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Buyer Comment (2026-08-31): (Rate Lock) [Redacted] delivered [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10380705 | [Redact] | [Redact] | 36974756 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-10): please confirm receipt of original note and clear condition. per [Redacted] tracking it was delivered on [Redacted] Seller Comment (2026-08-03): [Redacted]Tracking Number [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10380705 | [Redact] | [Redact] | 37106991 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing REO Documents. | Reviewer Comment (2026-08-07): Received HOI and Tax documentation for REO. Cleared Exception. Seller Comment (2026-08-07): please see attached reo [Redacted] hoi\tax docs Seller Comment (2026-08-07): please see attached reo [Redacted] hoi\tax\hoa docs Reviewer Comment (2026-08-06): Upon further review, the file is missing proof of taxes and insurance for the [Redacted] REO properties. The [Redacted] schedule E nor the fraud report are unacceptable to verify the REO expenses. Copies of the tax certs and HOI dec pages are required for all 6 properties. The HOA condition for these properties has been cleared. Condition remains Reviewer Comment (2026-08-06): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: HOA Verification HOA Verification, Insurance Verification HOA Verification HOA Verification HOA Verification HOA Verification Seller Comment (2026-08-05): borrower lox email doc D0398 page 1258 is answering the question "Do you have HOA dues on any of the homes you own" on page 1259. hoi is not required when a property is owned free and clear. please review that with your upper management Reviewer Comment (2026-08-05): Letter states no HOA dues, does not particularly says no HOA on any properties, even though property is free and clear HOI policy is required to verify. Exception remains. Seller Comment (2026-08-04): please see borrower email lox doc [Redacted] stating no HOA dues on reo properties. no HOIs required as all properties are paid free and clear |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10380705 | [Redact] | [Redact] | 37106992 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on an Original Loan Amount of $[Redacted], versus an allowable total of $[Redacted] and $[Redacted]. | Reviewer Comment (2026-07-31): Client elected to waive the condition on the Non-QM 1st lien |
07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10380705 | [Redact] | [Redact] | 37106993 | 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 (2026-08-04): Received VVOE - Employment Only. Exception cleared. Seller Comment (2026-08-04): please see doc [Redacted] for B1 ([Redacted]) [Redacted][Redacted] Authority closing VOE |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10381042 | [Redact] | [Redact] | 36975239 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-24): [Redacted], delivered [Redacted]. Seller Comment (2026-07-23): [Redacted], delivered [Redacted]. |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10381031 | [Redact] | [Redact] | 36975304 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-04): Waived on Rate Lock: Collateral cleared by Custodian |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10381036 | [Redact] | [Redact] | 36975307 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-20): Waived on Rate Lock: Collateral cleared by Custodian |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10381036 | [Redact] | [Redact] | 37249874 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Flood certificate was not provided. | Reviewer Comment (2026-08-20): Received Flood Certificate. Exception cleared. Seller Comment (2026-08-19): [Redacted]: Please see the attached flood certification. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10381032 | [Redact] | [Redact] | 36975309 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10381035 | [Redact] | [Redact] | 36975310 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10381041 | [Redact] | [Redact] | 36975311 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-25): Waived on Rate Lock: Collateral cleared by Custodian |
08/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10382254 | [Redact] | [Redact] | 36980063 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-10): note delivered on [Redacted] Seller Comment (2026-08-05): [Redacted]Tracking Number [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10382254 | [Redact] | [Redact] | 37137028 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI exceeds the max of [Redacted]%. The difference is due to the lender excluded the installment account [Redacted] for $[Redacted] per month from the DTI; however the file is missing proof this debt is being paid by another party. | Reviewer Comment (2026-08-05): Received bank statement reflects that the payments were made by the business. Exception cleared. Seller Comment (2026-08-05): please see attached [Redacted] bank statements showing $[Redacted] car debt paid by business and not the borrower |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10382254 | [Redact] | [Redact] | 37138507 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on an Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-08-04): Client elected to waive the condition on the Non-QM 1st lien |
08/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10382580 | [Redact] | [Redact] | 36981440 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-06): [Redacted]Tracking Number [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10382580 | [Redact] | [Redact] | 37150051 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-08-05): Client elected to waive the condition. |
08/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10382658 | [Redact] | [Redact] | 36992655 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-03): [Redacted]Tracking Number [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10382667 | [Redact] | [Redact] | 36993210 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-31): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-30): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted]. |
07/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10382667 | [Redact] | [Redact] | 37062183 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file was missing a copy of the signed Business Purpose Certificate. | Reviewer Comment (2026-07-27): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-27): Please see attached business purpose cert. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10382667 | [Redact] | [Redact] | 37062187 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | The file was missing a copy of the Licensee Info or Affidavit. | Reviewer Comment (2026-08-03): Rider provided Seller Comment (2026-07-30): Compliance response: The affidavit wasn't signed because both the loan originator and the originating lender are fully licensed in [Redacted] and are not exempt from licensing requirements under Financial Institutions Article, Title 11, [Redacted]s 5 and 6. Per Real Property Article §3-104.1, the affidavit is only required when the loan originator or the originating lender is claiming an exemption from licensing. Since neither loan originator or originating lender are exempt, the statute instead requires their name and [Redacted] license number to be included directly on the security instrument. The licensing information is included on page [Redacted] of [Redacted] of the deed of trust. Reviewer Comment (2026-07-27): Received the Licensee Information or Affidavit Rider; however, it has not been signed. Please provide a fully executed (signed) Licensee Information or Affidavit Rider. Exception remains. Seller Comment (2026-07-24): Please see attached mortgage with all riders. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10382659 | [Redact] | [Redact] | 36993685 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-12): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10382659 | [Redact] | [Redact] | 37172465 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not provided. | Reviewer Comment (2026-08-10): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-10): Please see attached business purpose cert. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10382661 | [Redact] | [Redact] | 36993692 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10382661 | [Redact] | [Redact] | 37125300 | 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. | Reviewer Comment (2026-07-31): Sufficient Cure Provided At Closing |
07/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10382660 | [Redact] | [Redact] | 36993693 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10382660 | [Redact] | [Redact] | 37125580 | 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. | Reviewer Comment (2026-07-31): Sufficient Cure Provided At Closing |
07/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10382665 | [Redact] | [Redact] | 36993694 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10382665 | [Redact] | [Redact] | 37141243 | 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. | Reviewer Comment (2026-08-03): Sufficient Cure Provided At Closing |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10382689 | [Redact] | [Redact] | 36996049 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-21): (Rate Lock) [Redacted] |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10382701 | [Redact] | [Redact] | 36996527 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10356592 | [Redact] | 37022916 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Buyer Comment (2026-07-21): Initial and Final Grade B, accepted. |
07/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10298003 | [Redact] | 37025543 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three business days of application or determination of first lien status. | Buyer Comment (2026-07-21): Initial and Final Grade B, accepted. |
07/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10383474 | [Redact] | [Redact] | 37002050 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-10): Collateral delivered on [Redacted] via [Redacted]tracking number [Redacted]. |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10383474 | [Redact] | [Redact] | 37160275 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not provided. | Reviewer Comment (2026-08-06): Received Business purpose certificate. Exception cleared. Seller Comment (2026-08-06): Please see attached business purpose cert. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10383557 | [Redact] | [Redact] | 37006151 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-27): Waived on Rate Lock: Collateral cleared by Custodian |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10383647 | [Redact] | [Redact] | 37006614 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10383647 | [Redact] | [Redact] | 37170473 | 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. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10383650 | [Redact] | [Redact] | 37006615 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-04): Waived on Rate Lock: Collateral cleared by Custodian |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10383650 | [Redact] | [Redact] | 37113005 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10383650 | [Redact] | [Redact] | 37113023 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted]. | Reviewer Comment (2026-08-03): Client elected to waive the condition on the Non-QM 1st lien |
08/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10383644 | [Redact] | [Redact] | 37006618 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-05): Waived on Rate Lock: Collateral cleared by Custodian |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10383644 | [Redact] | [Redact] | 37116998 | 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. | Reviewer Comment (2026-07-30): Sufficient Cure Provided At Closing |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10383644 | [Redact] | [Redact] | 37116999 | 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 (2026-07-30): Sufficient Cure Provided At Closing |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10384050 | [Redact] | [Redact] | 37007427 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-28): Waived on Rate Lock: Collateral cleared by Custodian |
08/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10384050 | [Redact] | [Redact] | 37317889 | 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. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 08/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10384050 | [Redact] | [Redact] | 37317943 | 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 (2026-08-21): Sufficient Cure Provided At Closing |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10384050 | [Redact] | [Redact] | 37317944 | 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. | Reviewer Comment (2026-08-21): Sufficient Cure Provided At Closing |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10384641 | [Redact] | [Redact] | 37013082 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-15): Collateral delivered on [Redacted] via [Redacted]tracking number [Redacted]. |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10384641 | [Redact] | [Redact] | 37559034 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The Verification Appraisal delivered to the borrower was not provided. | 09/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10384641 | [Redact] | [Redact] | 37559037 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-09-29): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-29): Please see attached business purpose cert. Reviewer Comment (2026-09-16): Received Business purpose certificate for [Redact], please provide the business purpose certificate for "[Redacted]". Exception remains. Seller Comment (2026-09-15): Please see attached business purpose cert. |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10384641 | [Redact] | [Redact] | 37559040 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-09-29): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-29): Please see attached business purpose cert. Reviewer Comment (2026-09-16): Received Business purpose certificate for [Redact], please provide the business purpose certificate for "[Redacted]". Exception remains. Seller Comment (2026-09-15): Please see attached business purpose cert. |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10384668 | [Redact] | [Redact] | 37014346 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-18): (Rate Lock) [Redacted] |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10384668 | [Redact] | [Redact] | 37191172 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [Redacted] are not allowed. The loan closed in the name of an entity that is owned by another entity. Client exception approval made; however a copy of the fully executed client exception approval was missing from the file. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] LTV where [Redacted] is max. | [Redact],Originator Pre-Close,Aggregator [Redact] [Redact] [Redact] |
Reviewer Comment (2026-08-12): Client elected to waive the condition with the following Compensating Factors: [Redacted] LTV where [Redacted] is max. Experience investor: [Redacted] years property management. Credit depth: [Redacted] -year credit history including [Redacted] -year mortgage history paid as agreed. Seller Comment (2026-08-12): Attached the client exception approval confirming approval of the layered entity vesting on [Redacted][Redacted]. Please Waive. |
08/12/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||
| [Redact] | 10385018 | [Redact] | [Redact] | 37015431 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10385018 | [Redact] | [Redact] | 37251686 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Non-Escrowed Property Costs over Year 1 of $[Redacted] on Final Closing Disclosure provided on [Redacted] are under-disclosed due to the appraisal indicating HOA annual dues of $[Redacted]. | Reviewer Comment (2026-08-25): [Redacted] received Letter of explanation and Corrected Closing disclosure. Seller Comment (2026-08-24): [Redacted]: Please see the attached remediation with proof of delivery // |
08/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10385018 | [Redact] | [Redact] | 37251687 | 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. | Reviewer Comment (2026-08-17): Sufficient Cure Provided At Closing |
08/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10385018 | [Redact] | [Redact] | 37258529 | 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. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10385026 | [Redact] | [Redact] | 37015433 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10385026 | [Redact] | [Redact] | 37267358 | 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. | 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. | Reviewer Comment (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10385025 | [Redact] | [Redact] | 37015538 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-20): Please provide an update Seller Comment (2026-08-18): Note Tracking [Redacted] |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10385247 | [Redact] | [Redact] | 37016698 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10385247 | [Redact] | [Redact] | 37147313 | 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. | Reviewer Comment (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10385248 | [Redact] | [Redact] | 37016699 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-25): Waived on Rate Lock: Collateral cleared by Custodian |
08/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10385953 | [Redact] | [Redact] | 37022673 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-05): [Redacted]Tracking Number [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10385953 | [Redact] | [Redact] | 37141420 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 08/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10387030 | [Redact] | [Redact] | 37027944 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-02): Collateral delivered on [Redacted] via [Redacted]tracking number [Redacted] |
09/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10387091 | [Redact] | [Redact] | 37028308 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10387091 | [Redact] | [Redact] | 37112842 | 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. | Reviewer Comment (2026-07-30): Sufficient Cure Provided At Closing |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redact] | 10387091 | [Redact] | [Redact] | 37125927 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10387089 | [Redact] | [Redact] | 37028309 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10387089 | [Redact] | [Redact] | 37192075 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Lease Agreement for Unit 1 not provided. | Reviewer Comment (2026-08-14): Received fully executed lease agreement. Exception cleared. Seller Comment (2026-08-13): [Redacted]: Please see attached lease agreement |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10387089 | [Redact] | [Redact] | 37192077 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Lease Agreement for [Redacted] not provided. | Reviewer Comment (2026-08-14): Received fully executed lease agreement. Exception cleared. Seller Comment (2026-08-13): [Redacted]: Please see attached lease agreement |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10387088 | [Redact] | [Redact] | 37028310 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10387088 | [Redact] | [Redact] | 37184248 | 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. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10387081 | [Redact] | [Redact] | 37028311 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10387081 | [Redact] | [Redact] | 37134863 | 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 (2026-08-03): Sufficient Cure Provided At Closing |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10387086 | [Redact] | [Redact] | 37028312 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10387086 | [Redact] | [Redact] | 37154276 | 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. | Reviewer Comment (2026-08-05): Sufficient Cure Provided At Closing |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10387084 | [Redact] | [Redact] | 37028314 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-25): Waived on Rate Lock: Collateral cleared by Custodian |
08/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10387084 | [Redact] | [Redact] | 37297714 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Provide a tax cert/documentation to verify the higher taxes of $[Redacted] used by the lender to qualify. The tax bill in file verified taxes of $[Redacted]/month or $[Redacted] annually. | Reviewer Comment (2026-08-26): Received lender calculated Tax worksheet. Exception cleared. Seller Comment (2026-08-25): [Redacted]: Please see attached. [Redacted] does not have an official tax verification sheet, so the new construction tax worksheet was utilized. Reviewer Comment (2026-08-24): Please provide the lender calculated tax verification sheet. Exception remains. Seller Comment (2026-08-21): [Redacted]: The property was recently purchased by the borrower in [Redacted] of [Redacted], and their property taxes will be reassessed in [Redacted]. For this reason, [Redacted] estimated the subject's annual taxes by taking [Redacted]% of the appraised value of $[Redacted]. ($[Redacted]x [Redacted]= $[Redacted].)The title commitment also reflects $[Redacted]in supplemental taxes. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10387085 | [Redact] | [Redact] | 37028430 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-17): Waived on Rate Lock: Collateral cleared by Custodian |
08/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10387085 | [Redact] | [Redact] | 37203310 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] | Reviewer Comment (2026-08-11): Client elected to waive the condition on the Non-QM 1st lien |
08/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10387085 | [Redact] | [Redact] | 37203313 | 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. | 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 (2026-08-11): Sufficient Cure Provided At Closing |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10387090 | [Redact] | [Redact] | 37028486 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-11): [Redacted]Tracking Number [Redacted] |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10387090 | [Redact] | [Redact] | 37185315 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | The declarations section for the co-borrower's final 1003 identified they would occupy the property as a primary residence. Provide a revised Final 1003 correcting the declarations section. | Reviewer Comment (2026-08-17): Revised 1003 provided Seller Comment (2026-08-14): 1003 |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10387090 | [Redact] | [Redact] | 37186958 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): 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. | 08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10387090 | [Redact] | [Redact] | 37186959 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. | 08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10387090 | [Redact] | [Redact] | 37186964 | 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. | 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. | Reviewer Comment (2026-08-24): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-08-21): Cure Docs Reviewer Comment (2026-08-17): [Redacted] the cure provided on Final CD is of $[Redacted] whereas the total cure required is $[Redacted] which is insufficient. Therefore, kindly provide additional cure of $[Redacted] along with cure documents Post CD,LOX,Copy of refund check and proof of mailing. Seller Comment (2026-08-14): Rebuttal For [Redacted] |
08/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | 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 | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10387279 | [Redact] | [Redact] | 37029163 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-20): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10387279 | [Redact] | [Redact] | 37290209 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-08-24): Received fully executed business purpose. Exception cleared Seller Comment (2026-08-24): Please see attached business purpose cert. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10388746 | [Redact] | [Redact] | 37033992 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-07): (Rate Lock) Tracking ID: [Redacted] Delivered [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10388747 | [Redact] | [Redact] | 37034161 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-18): NOTE TRACKING: [Redacted]. DELIVERED [Redacted]. PLEASE LOCATE. |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10388770 | [Redact] | [Redact] | 37034405 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-19): Waived on Rate Lock: Collateral cleared by Custodian |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10388770 | [Redact] | [Redact] | 37223402 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on the subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the original loan amount and $[Redacted] ([Redacted]). FNMA finance charge total $[Redacted] on an original loan amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted]. | Reviewer Comment (2026-08-13): Client elected to waive the condition. |
08/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10389744 | [Redact] | [Redact] | 37037723 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-19): [Redacted]Tracking Number [Redacted] |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10389744 | [Redact] | [Redact] | 37267561 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | Initial 1003 states that the borrower intends to occupy the property. | 08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10389744 | [Redact] | [Redact] | 37267740 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Property type discrepancy. | The appraisal identified the subject as a Detached SFR; however, a PUD Rider was attached to the Deed of Trust. Provide a revised appraisal correcting the property type to PUD and providing the PUD and HOA information. If the subject is not a PUD, provide a Deed of Trust removing the PUD Rider and proof that the DOT will be re-recorded without the PUD Rider. | Reviewer Comment (2026-08-21): Revised appraisal provided Seller Comment (2026-08-21): please see attached appraisal w/pud box checked |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10389770 | [Redact] | [Redact] | 37038458 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-25): Delivered [Redacted]. [Redacted] [Redacted] |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10389770 | [Redact] | [Redact] | 37277387 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 08/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10389751 | [Redact] | [Redact] | 37038503 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-25): Waived on Rate Lock: Collateral cleared by Custodian |
08/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10389751 | [Redact] | [Redact] | 37317814 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): 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. | 08/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10389751 | [Redact] | [Redact] | 37317815 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Reviewer Comment (2026-08-21): Client elected to waive the condition on the Non-QM 1st lien |
08/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10389751 | [Redact] | [Redact] | 37317819 | 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. | Reviewer Comment (2026-08-21): Sufficient Cure Provided At Closing |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10389748 | [Redact] | [Redact] | 37038504 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10389748 | [Redact] | [Redact] | 37196926 | 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. | 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. | Reviewer Comment (2026-08-10): Sufficient Cure Provided At Closing |
08/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10389748 | [Redact] | [Redact] | 37196927 | 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. | 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 (2026-08-10): Sufficient Cure Provided At Closing |
08/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10389748 | [Redact] | [Redact] | 37196993 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. | - | The subject property is identified as a primary property; however, in the final Form 1003, Section 5a.A "Will you occupy the property as your primary residence?" is answered as "No." Provide an updated final Form 1003 with corrected information. | Reviewer Comment (2026-08-20): Received updated 1003. Exception cleared. Seller Comment (2026-08-19): [Redacted]: Please see attached documentation |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10389757 | [Redact] | [Redact] | 37038526 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-10): [Redacted]Tracking Number [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10389757 | [Redact] | [Redact] | 37184266 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | A fully completed and signed VOR is required. Note: the VOR form in file was blank. | Reviewer Comment (2026-08-10): Received signed Verification of Rent. Exception cleared. Seller Comment (2026-08-10): Please see the update VOR. Seller Comment (2026-08-10): [Redacted]Tracking Number [Redacted] Seller Comment (2026-08-10): Please see updated VOR |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10392385 | [Redact] | [Redact] | 37043907 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-10): [Redacted]Tracking Number [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10392385 | [Redact] | [Redact] | 37182815 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-08-12): Received RCE, exception cleared. Seller Comment (2026-08-11): rce |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10392385 | [Redact] | [Redact] | 37182905 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on an Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted] ([Redacted]). | Reviewer Comment (2026-08-07): Client elected to waive the condition. |
08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10392385 | [Redact] | [Redact] | 37182906 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. | The final1003 identified the co-borrower would occupy the subject as a primary residence. The loan failed the High-Cost testing due to the prepayment penalty of [Redacted]% for [Redacted] years, exceeds the max of [Redacted]% of the amount prepaid. In order to consider a downgrade of the condition, an attestation from the BORROWER(s) detailing the reason for the error in the declarations section of the 1003 and confirming the occupancy is required. | Reviewer Comment (2026-08-18): Client elected to waive the condition Reviewer Comment (2026-08-18): Regraded to EV2-B based on borrower attestation regarding occupancy error and loan not being subject to high-cost testing. Seller Comment (2026-08-14): lox Reviewer Comment (2026-08-12): A revised 1003 will not clear this condition. The loan failed High Cost testing when tested as a primary residence. In order to consider a downgrade of the condition, an attestation from the BORROWER(s) detailing the reason for the error in the declarations section of the 1003 and confirming the occupancy is required. Condition is valid and remains open Seller Comment (2026-08-11): 1003 |
08/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10392385 | [Redact] | [Redact] | 37185140 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | The declarations section of the final1003 identified the co-borrower would occupy the subject as a primary residence. Provide a revised final 1003 correcting the declarations section. | Reviewer Comment (2026-08-12): Received updated 1003, exception cleared. Seller Comment (2026-08-11): see uploaded |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10392382 | [Redact] | [Redact] | 37044009 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10392382 | [Redact] | [Redact] | 37264575 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10392384 | [Redact] | [Redact] | 37044176 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-18): [Redacted]Tracking Number [Redacted] |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10392384 | [Redact] | [Redact] | 37234095 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | The declarations section of the final 1003 for the co-borrower states the property would be occupied as a primary residence. Provide a revised final 1003 correcting the declarations section. | Reviewer Comment (2026-08-20): Revised 1003 provided correcting the declarations section Seller Comment (2026-08-20): please see attached rev 1003 for b2 occupancy |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10392384 | [Redact] | [Redact] | 37243159 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | The borrower selected "yes" they will occupy the property as their primary residence in the declarations section of the Final1003 | 08/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10392384 | [Redact] | [Redact] | 37254202 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify the REO expenses of $[Redacted] for the investment REO. | Reviewer Comment (2026-08-20): Documentation to verify the REO expenses provided Seller Comment (2026-08-20): please see attached hoa [Redacted]. there is a $[Redacted] monthly assessment and a $[Redacted] quarterly dues. total hoa monthly is $[Redacted] Seller Comment (2026-08-20): please see attached tax cert [Redacted] Seller Comment (2026-08-20): please see attached hoi [Redacted] |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10392384 | [Redact] | [Redact] | 37254204 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify the REO expenses of $[Redacted] for the primary residence. | Reviewer Comment (2026-08-20): Documentation to verify the REO expenses provided Seller Comment (2026-08-20): please see attached reo [Redacted] hoi and tax cert |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10392710 | [Redact] | [Redact] | 37046063 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-12): Note delivered on [Redacted] via [Redacted] [Redacted] |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10392773 | [Redact] | [Redact] | 37046731 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-19): Waived on Rate Lock: Collateral cleared by Custodian |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10392786 | [Redact] | [Redact] | 37047124 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-17): (Rate Lock) [Redacted] |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10392786 | [Redact] | [Redact] | 37206310 | 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 $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-11): Sufficient Cure Provided At Closing |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10392786 | [Redact] | [Redact] | 37206311 | 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 (2026-08-11): Sufficient Cure Provided At Closing |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10393057 | [Redact] | [Redact] | 37047982 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-26): Note delivered, please clear Seller Comment (2026-08-24): Note Tracking [Redacted] |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10393057 | [Redact] | [Redact] | 37287769 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Title/Document Error: The Title Commitment or Preliminary title policy amount is blank. | 08/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10326049 | [Redact] | 37083998 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | COA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived the right to receive a copy of the appraisal at least three (3) business days prior to closing, and the appraisal was not provided at or before closing. | 07/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10326108 | [Redact] | 37082674 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to the borrower was not provided. | 07/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10393667 | [Redact] | [Redact] | 37052859 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-28): Waived on Rate Lock: Collateral cleared by Custodian |
08/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10393667 | [Redact] | [Redact] | 37330922 | 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 Review 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 Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-24): Sufficient Cure Provided At Closing |
08/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10393675 | [Redact] | [Redact] | 37053090 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-07): [Redacted]tracking# [Redacted], delivered [Redacted] |
10/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10393675 | [Redact] | [Redact] | 37728793 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | ECOA Receipt of Appraisal Without Waiver | 10/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10393675 | [Redact] | [Redact] | 37728795 | Compliance | Compliance | State Compliance | Misc. State Level | [Redact] Interest Act - [Redact] High Rate, High Point Disclosure Not Provided | [Redacted] Interest Act: [Redacted] Disclosure not provided to loan applicant. | [Redacted] Disclosure is not provided in the loan file. | Reviewer Comment (2026-10-14): Client elected to waive the condition Reviewer Comment (2026-10-09): The rebuttal was elevated to our internal compliance department and the conditions are valid. The [Redacted] regulations do not specifically exclude business purpose loans and ALL real estate loans are included in the testing. Condition is valid and remains open Seller Comment (2026-10-08): Please see attached Business Purpose document as a supporting document for our rebuttal for the high-cost disclosure conditions Seller Comment (2026-10-07): Per our Compliance Desk - "Compliance Ease confirms the loan is not a [Redacted] High Rate/High Points Loan. The [Redacted] High-Rate Loan test passed, and the finding is "NO." Additionally, the loan is an investment property/business-purpose transaction. Please provide the specific [Redacted] deal overlay or requirement that necessitates the [Redacted] disclosure despite the loan not meeting the [Redacted] High-Rate Loan thresholds" Reviewer Comment (2026-10-06): The condition is valid. As part of the limited compliance testing, per the deal settings, a disclosure is required for loans in [Redacted]. The disclosure must meet the below requirements to be considered compliant: 1) the disclosure must be on colored paper and stand out from the rest of the documents; 2) the disclosure must contain the following notice in uppercase letters in at least 14-point bold type: "YOU MAY BE ELIGIBLE FOR A LOAN WITH EITHER A LOWER INTEREST RATE, FEWER POINTS, OR BOTH, FROM ANOTHER LENDER."; 3) the disclosure must inform the borrower(s) they are applying for a loan with an interest rate that exceeds the Declared Rate by more than three percent and/or for which the lender will charge more than four points (origination and discount points); and 4) the disclosure must include a statement informing the borrower(s) they can obtain a list of other lenders by calling or writing the [Redacted] Department of Banking, Insurance, Securities, and Health Care Administration, along with the telephone number and mailing address. Note: these conditions are graded EV2/B and if waived the grade will remain the same. Seller Comment (2026-10-05): Please see uploaded Business Purpose document. Per our Compliance Desk - "Compliance Ease confirms the loan is not a [Redacted] High Rate, High Point Loan. The [Redacted] High Rate Loan Test passed, the High Rate Loan finding is "NO," and the interest rate and points threshold tests are not applicable due to the loan characteristics. The loan is an investment property and designated as a business-purpose loan. As the loan is not a [Redacted] High Rate Loan, the associated [Redacted] High Rate disclosures are not required. Please clear the exception." |
10/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10393675 | [Redact] | [Redact] | 37728796 | Compliance | Compliance | State Compliance | Misc. State Level | [Redact] Interest Act - [Redact] High Rate, High Point Disclosure Not Compliant | [Redacted] Interest Act: [Redacted] Disclosure not in compliance with state requirements. | [Redacted] Disclosure Compliant is not provided in the loan file. | Reviewer Comment (2026-10-14): Client elected to waive the condition Reviewer Comment (2026-10-09): The rebuttal was elevated to our internal compliance department and the conditions are valid. The [Redacted] regulations do not specifically exclude business purpose loans and ALL real estate loans are included in the testing. Condition is valid and remains open Seller Comment (2026-10-07): Per our Compliance Desk - "Compliance Ease confirms the loan is not a [Redacted] High Rate/High Points Loan. The [Redacted] High-Rate Loan test passed, and the finding is "NO." Additionally, the loan is an investment property/business-purpose transaction. Please provide the specific [Redacted] deal overlay or requirement that necessitates the [Redacted] disclosure despite the loan not meeting the [Redacted] High-Rate Loan thresholds" Reviewer Comment (2026-10-06): The condition is valid. As part of the limited compliance testing, per the deal settings, a disclosure is required for loans in [Redacted]. The disclosure must meet the below requirements to be considered compliant: 1) the disclosure must be on colored paper and stand out from the rest of the documents; 2) the disclosure must contain the following notice in uppercase letters in at least 14-point bold type: "YOU MAY BE ELIGIBLE FOR A LOAN WITH EITHER A LOWER INTEREST RATE, FEWER POINTS, OR BOTH, FROM ANOTHER LENDER."; 3) the disclosure must inform the borrower(s) they are applying for a loan with an interest rate that exceeds the Declared Rate by more than three percent and/or for which the lender will charge more than four points (origination and discount points); and 4) the disclosure must include a statement informing the borrower(s) they can obtain a list of other lenders by calling or writing the [Redacted] Department of Banking, Insurance, Securities, and Health Care Administration, along with the telephone number and mailing address. Note: these conditions are graded EV2/B and if waived the grade will remain the same. Seller Comment (2026-10-05): Please see uploaded Business Purpose document. Per our Compliance Desk - "Compliance Ease confirms the loan is not a [Redacted] High Rate, High Point Loan. The [Redacted] High Rate Loan Test passed, the High Rate Loan finding is "NO," and the interest rate and points threshold tests are not applicable due to the loan characteristics. The loan is an investment property and designated as a business-purpose loan. As the loan is not a [Redacted] High Rate Loan, the associated [Redacted] High Rate disclosures are not required. Please clear the exception." |
10/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10393675 | [Redact] | [Redact] | 37728797 | Compliance | Compliance | State Compliance | Misc. State Level | [Redact] Interest Act - [Redact] High Rate, High Point Disclosure Not Provided Timely | [Redacted] Interest Act: [Redacted] Disclosure was not provided to the borrower prior to closing. | [Redacted] Disclosure Timing is not provided in the loan file. | Reviewer Comment (2026-10-14): Client elected to waive the condition Reviewer Comment (2026-10-09): The rebuttal was elevated to our internal compliance department and the conditions are valid. The [Redacted] regulations do not specifically exclude business purpose loans and ALL real estate loans are included in the testing. Condition is valid and remains open Seller Comment (2026-10-07): Per our Compliance Desk - "Compliance Ease confirms the loan is not a [Redacted] High Rate/High Points Loan. The [Redacted] High-Rate Loan test passed, and the finding is "NO." Additionally, the loan is an investment property/business-purpose transaction. Please provide the specific [Redacted] deal overlay or requirement that necessitates the [Redacted] disclosure despite the loan not meeting the [Redacted] High-Rate Loan thresholds" Reviewer Comment (2026-10-06): The condition is valid. As part of the limited compliance testing, per the deal settings, a disclosure is required for loans in [Redacted]. The disclosure must meet the below requirements to be considered compliant: 1) the disclosure must be on colored paper and stand out from the rest of the documents; 2) the disclosure must contain the following notice in uppercase letters in at least 14-point bold type: "YOU MAY BE ELIGIBLE FOR A LOAN WITH EITHER A LOWER INTEREST RATE, FEWER POINTS, OR BOTH, FROM ANOTHER LENDER."; 3) the disclosure must inform the borrower(s) they are applying for a loan with an interest rate that exceeds the Declared Rate by more than three percent and/or for which the lender will charge more than four points (origination and discount points); and 4) the disclosure must include a statement informing the borrower(s) they can obtain a list of other lenders by calling or writing the [Redacted] Department of Banking, Insurance, Securities, and Health Care Administration, along with the telephone number and mailing address. Note: these conditions are graded EV2/B and if waived the grade will remain the same. Seller Comment (2026-10-05): Please see uploaded Business Purpose document. Per our Compliance Desk - "Compliance Ease confirms the loan is not a [Redacted] High Rate, High Point Loan. The [Redacted] High Rate Loan Test passed, the High Rate Loan finding is "NO," and the interest rate and points threshold tests are not applicable due to the loan characteristics. The loan is an investment property and designated as a business-purpose loan. As the loan is not a [Redacted] High Rate Loan, the associated [Redacted] High Rate disclosures are not required. Please clear the exception." |
10/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10393675 | [Redact] | [Redact] | 37728798 | Compliance | Compliance | State Compliance | State HPML | [Redact] Interest Act - [Redact] High Rate, High Point Loan (Interest Rate and/or Points and Fees) | [Redacted] Interest Act: Note Rate on subject loan of [Redacted]% is in excess of allowable threshold of Declared Rate [Redacted]% + [Redacted]%, or [Redacted], or Points on the loan of [Redacted]% exceed the allowable threshold of [Redacted]%. High Rate, High Point Notice Non-Compliant. | [Redacted] Interest Act Threshold Non-Compliant is not provided in the loan file. | Reviewer Comment (2026-10-14): Client elected to waive the condition Reviewer Comment (2026-10-09): The rebuttal was elevated to our internal compliance department and the conditions are valid. The [Redacted] regulations do not specifically exclude business purpose loans and ALL real estate loans are included in the testing. Condition is valid and remains open Seller Comment (2026-10-07): Per our Compliance Desk - "Compliance Ease confirms the loan is not a [Redacted] High Rate/High Points Loan. The [Redacted] High-Rate Loan test passed, and the finding is "NO." Additionally, the loan is an investment property/business-purpose transaction. Please provide the specific [Redacted] deal overlay or requirement that necessitates the [Redacted] disclosure despite the loan not meeting the [Redacted] High-Rate Loan thresholds" Reviewer Comment (2026-10-06): The condition is valid. As part of the limited compliance testing, per the deal settings, a disclosure is required for loans in [Redacted]. The disclosure must meet the below requirements to be considered compliant: 1) the disclosure must be on colored paper and stand out from the rest of the documents; 2) the disclosure must contain the following notice in uppercase letters in at least 14-point bold type: "YOU MAY BE ELIGIBLE FOR A LOAN WITH EITHER A LOWER INTEREST RATE, FEWER POINTS, OR BOTH, FROM ANOTHER LENDER."; 3) the disclosure must inform the borrower(s) they are applying for a loan with an interest rate that exceeds the Declared Rate by more than three percent and/or for which the lender will charge more than four points (origination and discount points); and 4) the disclosure must include a statement informing the borrower(s) they can obtain a list of other lenders by calling or writing the [Redacted] Department of Banking, Insurance, Securities, and Health Care Administration, along with the telephone number and mailing address. Note: these conditions are graded EV2/B and if waived the grade will remain the same. Seller Comment (2026-10-05): Please see uploaded Business Purpose document. Per our Compliance Desk - "Compliance Ease confirms the loan is not a [Redacted] High Rate, High Point Loan. The [Redacted] High Rate Loan Test passed, the High Rate Loan finding is "NO," and the interest rate and points threshold tests are not applicable due to the loan characteristics. The loan is an investment property and designated as a business-purpose loan. As the loan is not a [Redacted] High Rate Loan, the associated [Redacted] High Rate disclosures are not required. Please clear the exception." |
10/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10393680 | [Redact] | [Redact] | 37053438 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-06): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10393680 | [Redact] | [Redact] | 37153039 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 08/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10393680 | [Redact] | [Redact] | 37160726 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-08-06): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-06): business purpose |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10393971 | [Redact] | [Redact] | 37054681 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-11): [Redacted]Tracking Number [Redacted] |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10393971 | [Redact] | [Redact] | 37184545 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-11): Doc provided. Exception cleared. Seller Comment (2026-08-11): please see attached econsent |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10393971 | [Redact] | [Redact] | 37184553 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Reviewer Comment (2026-08-11): LOE and corrected IEAD provided. Exception cured. Seller Comment (2026-08-11): please see attached lox and rev IEADS |
08/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10394071 | [Redact] | [Redact] | 37055656 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10394072 | [Redact] | [Redact] | 37055673 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-17): Waived on Rate Lock: Collateral cleared by Custodian |
08/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10394100 | [Redact] | [Redact] | 37056530 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-02): Collateral shipped via [Redacted] Tracking ID [Redacted], delivered [Redacted], [Redacted] at [Redacted] |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10394100 | [Redact] | [Redact] | 37364105 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-08-26): Received fully executed business purpose cert. Exception cleared. Seller Comment (2026-08-26): Business Purpose Certificate attached. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10394101 | [Redact] | [Redact] | 37056733 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-20): Waived on Rate Lock: Collateral cleared by Custodian |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10394105 | [Redact] | [Redact] | 37057094 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10394780 | [Redact] | [Redact] | 37063534 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-30): Collateral delivered on[Redacted] via [Redacted]tracking number [Redacted] |
10/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10394780 | [Redact] | [Redact] | 37694257 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Certificate. The copy in the file was not executed. | Reviewer Comment (2026-10-13): Received Business purpose certificate. Exception cleared. Seller Comment (2026-10-12): Please see uploaded Business Purpose |
10/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10394780 | [Redact] | [Redact] | 37694261 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file is missing a copy of the fully executed Business Purpose Certificate. The copy in the file was not executed. | Reviewer Comment (2026-10-13): Received Business purpose certificate. Exception cleared. Seller Comment (2026-10-12): Please see uploaded Business Purpose |
10/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10394780 | [Redact] | [Redact] | 37694311 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Lender approved exception for loan amount $[Redacted] versus minimum allowed of $[Redacted]. Loan file is missing Client Approval Form. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DSCR on the loan is greater than the guideline minimum. |
Client elects to waive with compensating factors: DSCR of [Redacted] where [Redacted] is minimum | [Redact] [Redact],Aggregator |
Reviewer Comment (2026-10-01): Client elected to waive the condition with the following Compensating Factors: [Redacted] years mortgage history [Redacted] years trade history paid as agreed. DSCR of [Redacted] where [Redacted] is minimum [Redacted] years landlord experience in the area including multi family properties. Buyer Comment (2026-09-29): (Rate Lock) Exception Approval |
10/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||
| [Redact] | 10394894 | [Redact] | [Redact] | 37068578 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10394919 | [Redact] | [Redact] | 37069001 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-07): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10394919 | [Redact] | [Redact] | 37120638 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The fully executed Business Purpose Certificate was not provided. | Reviewer Comment (2026-08-05): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-05): business purpose |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10396067 | [Redact] | [Redact] | 37079640 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-28): Waived on Rate Lock: Collateral cleared by Custodian |
08/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10396069 | [Redact] | [Redact] | 37079683 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10396072 | [Redact] | [Redact] | 37079760 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-26): tracking |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10396364 | [Redact] | [Redact] | 37081101 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-04): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-02): Collateral shipped via [Redacted] Tracking ID [Redacted], Delivered [Redacted], [Redacted] at [Redacted] |
09/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10396364 | [Redact] | [Redact] | 37364554 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Certificate. The copy in the file was not executed. | Reviewer Comment (2026-08-27): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-27): Please see attached Business Purpose Certs. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10396364 | [Redact] | [Redact] | 37365725 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 08/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10396366 | [Redact] | [Redact] | 37081245 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-13): NOTE TRACKING: [Redacted]. PLEASE LOCATE. THANK YOU! |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10396366 | [Redact] | [Redact] | 37122427 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 08/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10396366 | [Redact] | [Redact] | 37136156 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): 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. | 08/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10396366 | [Redact] | [Redact] | 37160814 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. Revised valuation reflects clerical change only, no impact to compliant HPML determination. | Reviewer Comment (2026-08-05): Client elected to waive the condition |
08/05/2026 | No | 2 | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||||||
| [Redact] | 10396366 | [Redact] | [Redact] | 37160815 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-08-05): Client elected to waive the condition |
08/05/2026 | No | 2 | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||||||
| [Redact] | 10396367 | [Redact] | [Redact] | 37081277 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-14): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10396698 | [Redact] | [Redact] | 37083220 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10396698 | [Redact] | [Redact] | 37193611 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final title was not found in file. | Reviewer Comment (2026-08-12): Final title policy provided |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10396698 | [Redact] | [Redact] | 37199448 | Credit | Guideline | Guideline Issue | Guideline | Leasehold properties are ineligible. | Per the guidelines, Ground Lease/Leasehold properties are ineligible. | Reviewer Comment (2026-08-12): Final title policy provided and the property is now "Fee Simple". Seller Comment (2026-08-11): [Redacted]: Please see the attached Final title policy reflecting Fee Simple. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10396719 | [Redact] | [Redact] | 37084160 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-18): The correct tracking# is [Redacted] Seller Comment (2026-09-16): [Redacted]- Correction, the collateral is still pending, I will provide the tracking information as soon as it becomes available. Seller Comment (2026-09-15): Tracking # [Redacted] |
09/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10396719 | [Redact] | [Redact] | 37527771 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in the file was not executed. | Reviewer Comment (2026-09-16): Received Business purpose certificate. Exception cleared. Seller Comment (2026-09-15): Please see uploaded completed SLE Seller Comment (2026-09-15): Please see uploaded Business Purpose document |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10396719 | [Redact] | [Redact] | 37555961 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A Client Exception was made to allow the higher lease amount to be used to calculate the DSCR. The higher lease amount is > than the guideline allowable [Redacted]% variance. The file is missing a copy of the client's fully executed exception approval. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves of $[Redacted] months where [Redacted] is required ([Redacted]X) FICO: [Redacted] where [Redacted] is minimum ([Redacted]) |
[Redact],Originator Pre-Close,Aggregator Originator Pre-Close,Aggregator,[Redact] |
Reviewer Comment (2026-09-23): Client elected to waive the condition with the following Compensating Factors: Net savings of $[Redacted]monthly. Reserves of $[Redacted] months where $[Redacted] is required ([Redacted]X) FICO: [Redacted] where [Redacted] is minimum ([Redacted]) Seller Comment (2026-09-21): Please see uploaded MS Exception Approval Reviewer Comment (2026-09-18): The fully executed client exception approval is required to downgrade and waive the condition. The SLE is not acceptable. Condition remains Seller Comment (2026-09-16): Please see uploaded completed SLE |
09/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | ||||||||
| [Redact] | 10396811 | [Redact] | [Redact] | 37084284 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-07): NOTE TRACKING SENT VIA [Redacted] ON [Redacted] [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10396811 | [Redact] | [Redact] | 37141505 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 08/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10396817 | [Redact] | [Redact] | 37084317 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-17): Waived on Rate Lock: Collateral cleared by Custodian |
08/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10396817 | [Redact] | [Redact] | 37205248 | 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. | Reviewer Comment (2026-08-11): Sufficient Cure Provided At Closing |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10397031 | [Redact] | [Redact] | 37091150 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-26): [Redacted]tracking# [Redacted] |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10397031 | [Redact] | [Redact] | 37330468 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification, Tax Verification document not provided. | Reviewer Comment (2026-08-26): Received Tax verification and Insurance verification. Exception cleared. Seller Comment (2026-08-25): please see attached reo [Redacted] [Redact] hoi and tax docs |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10397031 | [Redact] | [Redact] | 37330505 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-08-24): Client elected to waive the condition. |
08/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10397032 | [Redact] | [Redact] | 37091182 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-19): Waived on Rate Lock: Collateral cleared by Custodian |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10397032 | [Redact] | [Redact] | 37223710 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy). Unable to determine if appropriate coverage is provided. | 08/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10398740 | [Redact] | [Redact] | 37096461 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-05): [Redacted]Tracking Number [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10398740 | [Redact] | [Redact] | 37117366 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10398740 | [Redact] | [Redact] | 37117367 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10398740 | [Redact] | [Redact] | 37121625 | 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. | Loan Discount Points were last disclosed as $[Redacted] on Closing Disclosure dated [Redacted] but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-08-05): [Redacted] received a valid COC. Seller Comment (2026-08-04): coc and lock form |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10398753 | [Redact] | [Redact] | 37097061 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10398753 | [Redact] | [Redact] | 37182900 | Credit | Missing Document | General | Missing Document | Missing Document: Relationship Letter not provided | Per the appraisal, the buyer and seller have a previous business relationship. The loan is considered non-arm's length and documentation to verify the relationship is required. | Reviewer Comment (2026-08-11): Relationship letter provided Seller Comment (2026-08-10): [Redacted] - [Redacted]: Please see attached. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10398756 | [Redact] | [Redact] | 37097062 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10398756 | [Redact] | [Redact] | 37198235 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redact] Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [Redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for prior to closing. | Reviewer Comment (2026-08-25): Client elected to waive the condition Seller Comment (2026-08-24): [Redacted] Disagree. Please provide the statute that requires the Anit-Sterring disclosure to be signed at initial Reviewer Comment (2026-08-21): Anti-Steering disclosure provided; however the disclosure is required to be provided to the borrower prior to closing and the disclosure received was issued and executed at closing, [Redacted]. Loan is still considered Non-Compliant Seller Comment (2026-08-20): [Redacted] Please see attached disclosure Reviewer Comment (2026-08-18): The appraisal waiver provided does not identify the borrowers receipt of a written disclosure identifying the non-higher priced loan options. Condition remains Seller Comment (2026-08-17): [Redacted] Please see attached Appraisal Waiver where the borrower received written disclosure on Non-higher price options Reviewer Comment (2026-08-14): The loan is HPML Non-Compliant due to the file is missing proof the borrower received written disclosure of non-higher priced loan options prior to closing. Proof of receipt of the appraisal was documented in file. Condition is valid and remains open Seller Comment (2026-08-13): [Redacted] Please see the attached TRID Disclosure History and Appraisal Package that shows the borrower was sent the Appraisal Package on [Redacted] and consented to it on [Redacted]. This meets the 3 business day cool off before the closing date of [Redacted] |
08/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10398756 | [Redact] | [Redact] | 37198236 | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Non-Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for prior to closing. | Reviewer Comment (2026-08-25): Client elected to waive the condition Seller Comment (2026-08-24): [Redacted] Disagree. Please provide the statute that requires the Anit-Sterring disclosure to be signed at initial Reviewer Comment (2026-08-21): Anti-Steering disclosure provided; however the disclosure is required to be provided to the borrower prior to closing and the disclosure received was issued and executed at closing, [Redacted]. Loan is still considered Non-Compliant Seller Comment (2026-08-20): [Redacted] Please see attached disclosure Reviewer Comment (2026-08-18): The appraisal waiver provided does not identify the borrowers receipt of a written disclosure identifying the non-higher priced loan options. Condition remains Seller Comment (2026-08-17): [Redacted] Please see attached Appraisal Waiver where the borrower received written disclosure on Non-higher price options Reviewer Comment (2026-08-14): The loan is HPML Non-Compliant due to the file is missing proof the borrower received written disclosure of non-higher priced loan options prior to closing. Proof of receipt of the appraisal was documented in file. Condition is valid and remains open Seller Comment (2026-08-13): [Redacted] Please see the attached TRID Disclosure History and Appraisal Package that shows the borrower was sent the Appraisal Package on [Redacted] and consented to it on [Redacted]. This meets the 3 business day cool off before the closing date of [Redacted] |
08/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10398756 | [Redact] | [Redact] | 37318062 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redact] Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided Timely) | [Redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for prior to closing. | Anti-Steering disclosure provided; however the disclosure is required to be provided to the borrower prior to closing and the disclosure received was issued and executed at closing, [Redacted]. | Reviewer Comment (2026-08-25): Client elected to waive the condition |
08/25/2026 | No | 2 | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||||
| [Redact] | 10400008 | [Redact] | [Redact] | 37103781 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-28): Waived on Rate Lock: Collateral cleared by Custodian |
08/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401267 | [Redact] | [Redact] | 37105373 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-31): collateral shipped via [Redacted] Tracking ID [Redacted], Delivered [Redacted], [Redacted] at [Redacted] |
09/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401267 | [Redact] | [Redact] | 37386846 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-08-28): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-27): Please see the Business Purpose Certificate attached. |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401270 | [Redact] | [Redact] | 37105741 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-26): collateral shipped via [Redacted]tracking ID [Redacted], delivered [Redacted] |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401270 | [Redact] | [Redact] | 37297164 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was missing in the file. | Reviewer Comment (2026-09-08): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-08): Please find attached business purpose Reviewer Comment (2026-08-25): Investment property, business purpose certificate is required. Exception remains. Seller Comment (2026-08-24): Per management It closed in an individual's name and not a business name. BP Form is not needed when the loan is not closed/vested in an entity name. |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401270 | [Redact] | [Redact] | 37297167 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Reviewer Comment (2026-09-08): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-08): Please find attached Business Purpose Reviewer Comment (2026-08-25): Investment property, business purpose certificate is required. Exception remains. Seller Comment (2026-08-24): closed in an individual's name and not a business name. Form is not needed when the loan is not closed/vested in an entity name. |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401271 | [Redact] | [Redact] | 37105807 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-31): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-27): Collateral delivered on[Redacted] via [Redacted]tracking Number [Redacted] |
08/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401271 | [Redact] | [Redact] | 37317482 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-08-25): Received fully executed business purpose. Exception Cleared. Seller Comment (2026-08-25): Please see attached business purpose cert. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401271 | [Redact] | [Redact] | 37322371 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Hazard Dec Page not provided | The file is missing a copy of the HOI declarations page verifying the premium of $[Redacted]. Note: the file only contained a copy of the Fire Insurance declarations page. | Reviewer Comment (2026-09-25): Post-close CD provided and the additional premium of $[Redacted] was initially disclosed in error. Reviewer Comment (2026-09-25): Borrower has two insurance payments. We received the same Fire/HOI policy for the supplemental insurance payment of $[Redacted] monthly ($[Redacted] annually). However, we still require the [Redact] HOI policy to verify the annual premium of $[Redacted]. Please provide the complete policy documentation. Exception remains. Seller Comment (2026-09-23): The borrower went with the HOI that showed the Premium amount of $[Redacted]. The HOI policy for this premium had been uploaded on [Redacted]. Please see uploaded PCCD with a correct HOI amount. Reviewer Comment (2026-09-22): The Closing Disclosure (CD) reflects homeowners' insurance (HOI) from [Redact] with a verified annual premium of $[Redacted], and an insurance quote for the same has been provided. Please submit the complete HOI policy from [Redact] to verify the coverage details and premium amount. Exception remains. Seller Comment (2026-09-18): Per the Broker the borrowers did not use the Quote that was in the file they went with the HOI that showed the Premium amount of $[Redacted]. Please advise what is needed to clear this finding. Reviewer Comment (2026-09-18): The HOI quote provided verifying the premium of $[Redacted]did not identify the effective and expiration dates and did not identify the loss payee information. Provide a copy of the dec page or policy for quote number [Redacted]. Condition remains Seller Comment (2026-09-16): Per the Broker the borrowers did not use the Quote that was in the file they went with the HOI that showed the Premium amount of $[Redacted]. This also matched the amount in our system of record that was used. I have attached the HOI Reviewer Comment (2026-09-14): Received Insurance quote from the different insurance company ([Redacted]), however Policy period and address is not available. Please provide the complete HOI policy. Exception remains. Seller Comment (2026-09-11): Please see attached insurance. Reviewer Comment (2026-08-26): Received same HOI policy which was previously available in file. Provided HOI premium is lower than the qualified insurance $[Redacted]. Note: the file only contained a copy of the Fire Insurance declarations page. Please provide the HOI policy verifying $[Redacted]. Exception remains. Seller Comment (2026-08-25): Please see attached policy |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401272 | [Redact] | [Redact] | 37105899 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-16): Tracking# [Redacted], delivered today [Redacted], |
09/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401272 | [Redact] | [Redact] | 37550441 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-09-17): Received Business purpose certificate. Exception cleared. Seller Comment (2026-09-16): Please see uploaded Business Purpose document |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401272 | [Redact] | [Redact] | 37550443 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-09-17): Received Business purpose certificate. Exception cleared. Seller Comment (2026-09-16): Please see uploaded Business Purpose document |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401273 | [Redact] | [Redact] | 37105935 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-20): [Redacted]Tracking Number [Redacted] |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10401273 | [Redact] | [Redact] | 37287305 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-08-20): Received E-sign consent agreement. Exception cleared. Seller Comment (2026-08-20): Please see the E-sign Consent Agreement. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10401273 | [Redact] | [Redact] | 37287515 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 08/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10401273 | [Redact] | [Redact] | 37287516 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on an Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-08-19): Client elected to waive the condition. |
08/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10401275 | [Redact] | [Redact] | 37106174 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-25): Waived on Rate Lock: Collateral cleared by Custodian |
08/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10401275 | [Redact] | [Redact] | 37234132 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): 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. | 08/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10401277 | [Redact] | [Redact] | 37106175 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401514 | [Redact] | [Redact] | 37106739 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-28): Collateral was delivered on [Redacted] via [Redacted] tracking number [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401514 | [Redact] | [Redact] | 37345846 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not fully executed. | Reviewer Comment (2026-08-26): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-26): Please see attached Business Purpose Cert. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401514 | [Redact] | [Redact] | 37346106 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Business Purpose Certificate was not fully executed. | Reviewer Comment (2026-08-26): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-26): Please see attached Business Purpose Cert. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401523 | [Redact] | [Redact] | 37106807 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-28): Collateral was delivered on [Redacted] via [Redacted] tracking number [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401523 | [Redact] | [Redact] | 37300397 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose was not executed. | Reviewer Comment (2026-08-24): Received fully executed business purpose. Exception cleared. Seller Comment (2026-08-24): Please see attached business purpose cert. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401523 | [Redact] | [Redact] | 37301319 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Business purpose was not executed. | Reviewer Comment (2026-08-24): Received fully executed business purpose. Exception cleared. Seller Comment (2026-08-24): Please see attached business purpose cert. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401521 | [Redact] | [Redact] | 37106952 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-01): Collateral delivered on [Redacted] via [Redacted]tracking number [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401521 | [Redact] | [Redact] | 37380889 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-10-09): Received updated HOI policy. Exception cleared. Seller Comment (2026-10-08): Please find attached HOI Reviewer Comment (2026-09-03): The available HOI policy does not state any of the following verbiage "Replacement Cost Optional Coverage Applies" or "Coverage written to 100% of estimated replacement cost" or "Replacement Cost - Similar Construction". Please provide the HOI policy stating 100% replacement cost optional coverage applies. Exception remains. Seller Comment (2026-09-02): We have adopted the hazard requirement based on the new FNMA guidelines, please review based on the FNMA guides. Reviewer Comment (2026-09-01): GSE method is used; HOI shortfall is $[Redacted]. The coverage amount must be greater than or equal to $[Redacted] to be considered sufficient or proof from the insurance company stating the policy has guaranteed replacement cost coverage. Condition remains. Seller Comment (2026-08-31): Explanation from processor: the [Redacted] states its a HO-3 policy which satisfies our HOI requirements. If a policy states HO3 or HO5 then we do not require replacement cost verbiage to be present, thanks Reviewer Comment (2026-08-28): Incorrect amount identified in the initial comments. The coverage amount must be greater than or equal to $[Redacted] to be considered sufficient or proof from the insurance company stating the policy has guaranteed replacement cost coverage. Condition remains Seller Comment (2026-08-28): Can you please verify the required coverage amount as $[Redacted] for a property appraised at $[Redacted] is excessive? |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401521 | [Redact] | [Redact] | 37381873 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-08-27): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-27): Please see the Business Purpose Certificates for both borrowers attached. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10402576 | [Redact] | [Redact] | 37113104 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-02): c0llateral shipped via [Redacted]tracking ID [Redacted], delivered [Redacted], [Redacted] |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10402576 | [Redact] | [Redact] | 37394922 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-09-21): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-21): Please find attached Business purpose Reviewer Comment (2026-09-02): Received the Business Purpose Certificate; however, the property address listed is [Redacted]. Please provide the Business Purpose Certificate for [Redacted]. Exception remains. Seller Comment (2026-09-02): Please find attached business Purpose |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10402576 | [Redact] | [Redact] | 37395099 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 08/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10402859 | [Redact] | [Redact] | 37114977 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-17): The collateral was delivered [Redacted] via [Redacted]trk#[Redacted]. |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10402859 | [Redact] | [Redact] | 37548897 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy Appraisal Disclosure to applicant within three business days of application or determination of First Lien status. | Reviewer Comment (2026-09-17): Received Loan Estimate. Exception cleared. Seller Comment (2026-09-16): LE page [Redacted] Other Conditions acknowledges borrower right to a copy of the appraisal |
09/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | N/A | No | ||||||||||
| [Redact] | 10402862 | [Redact] | [Redact] | 37115023 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-16): Tracking# [Redacted] |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10402862 | [Redact] | [Redact] | 37548824 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Provide a revised title commitment removing the judgment that does not belong to the borrower or a copy of the final title identifying the judgment has been removed. | Reviewer Comment (2026-09-18): Revised title commitment provided Seller Comment (2026-09-15): Please see uploaded Business Purpose document Seller Comment (2026-09-15): Please see attached title commitment with removed judgment |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10402862 | [Redact] | [Redact] | 37548856 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-09-16): Received Business purpose certificate. Exception cleared. |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10402862 | [Redact] | [Redact] | 37548857 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-09-16): Received Business purpose certificate. Exception cleared. Seller Comment (2026-09-15): Please see uploaded Business Purpose document |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10403588 | [Redact] | [Redact] | 37124524 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-25): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10403588 | [Redact] | [Redact] | 37297125 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose was not executed. | Reviewer Comment (2026-08-24): Received fully executed business purpose. Exception cleared. Seller Comment (2026-08-24): Please see attached business purpose cert. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10403942 | [Redact] | [Redact] | 37125522 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-23): Per [Redacted]tracking [Redacted], the collateral was delivered on [Redacted] Seller Comment (2026-09-22): Tracking# [Redacted] |
09/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10403942 | [Redact] | [Redact] | 37591192 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The Business Purpose Certificate was missing from the file. | Reviewer Comment (2026-09-21): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-21): Please see uploaded Business Purpose document |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10403975 | [Redact] | [Redact] | 37128837 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10403975 | [Redact] | [Redact] | 37236014 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Reviewer Comment (2026-08-17): Client elected to waive the condition on the Non-QM 1st lien |
08/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10403975 | [Redact] | [Redact] | 37241781 | Credit | Missing Document | General | Missing Document | Missing Document: Relationship Letter not provided | The declarations section on the final 1003 identified the borrower has a family relationship or business affiliation with the seller of the property. The file is missing a letter of explanation/documentation verifying the relationship. | Reviewer Comment (2026-08-20): Received updated 1003 & Letter of explanation stating "no relationship with seller updated in error". Exception cleared. Seller Comment (2026-08-19): [Redacted]: Please see attached. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10404759 | [Redact] | [Redact] | 37136791 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10404759 | [Redact] | [Redact] | 37266080 | 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 (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10404759 | [Redact] | [Redact] | 37266081 | 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 Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10404759 | [Redact] | [Redact] | 37272465 | 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. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 08/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10405166 | [Redact] | [Redact] | 37139867 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-08): Collateral delivered on [Redacted] via [Redacted]tracking number [Redacted] |
09/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10405166 | [Redact] | [Redact] | 37411373 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification of appraisal delivery to the borrower was not provided. | 08/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10405242 | [Redact] | [Redact] | 37140562 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-28): Waived on Rate Lock: Collateral cleared by Custodian |
08/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10405242 | [Redact] | [Redact] | 37329962 | 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. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 08/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10405242 | [Redact] | [Redact] | 37329984 | 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 was not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-08-26): Initial CD provided Seller Comment (2026-08-25): [Redacted]: Please see the attached // |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10405403 | [Redact] | [Redact] | 37141324 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-22): [Redacted]trk#[Redacted]. |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10405403 | [Redact] | [Redact] | 37590311 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification Appraisal was delivered to borrower was not provided. | 09/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10396125 | [Redact] | 37173205 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-08-08): Initial and Final Grade B, accepted. |
08/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10396123 | [Redact] | 37174301 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report was not found in file. | Reviewer Comment (2026-08-18): Received Fraud Report for borrowers Exception cleared Seller Comment (2026-08-18): drive report |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10396123 | [Redact] | 37174307 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy). Unable to determine if appropriate coverage is provided. | 08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10396195 | [Redact] | 37173094 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10396195 | [Redact] | 37185711 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | The file is missing documentation from the seller confirming the condo is warrantable. Note: the HOA questionnaire in file from the HOA is not acceptable. | Reviewer Comment (2026-08-19): Approval provided. Exception cleared. Seller Comment (2026-08-18): complete condo form |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10396147 | [Redact] | 37201484 | 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. | The Title Policy Amount of [Redact] is less than the note amount of [Redact] based on the Commitment in file. | 08/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10396172 | [Redact] | 37170822 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-08-08): Initial and Final Grade B, accepted. |
08/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10396127 | [Redact] | 37159312 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-08-08): Initial and Final Grade B, accepted. |
08/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10396127 | [Redact] | 37166901 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval was found in file to use the appraised value to calculate the LTV on the delayed financing refinance. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves. | Originator Pre-Close,Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-08-13): Client elected to waive the condition with the following Comp Factor: [Redacted] months reserves. |
08/13/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10396173 | [Redact] | 37159489 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-08-08): Initial and Final Grade B, accepted. |
08/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10406128 | [Redact] | [Redact] | 37147861 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-31): (Rate Lock) [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10406128 | [Redact] | [Redact] | 37354582 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | The file is missing proof of the proceeds from the HELOC closed simultaneously on the primary for $[Redacted]. | Reviewer Comment (2026-08-27): Received Proof of receipt of HELOC funds. Exception cleared. Seller Comment (2026-08-27): (Rate Lock) heloc docs |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10407056 | [Redact] | [Redact] | 37151085 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-31): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-26): [Redacted]Tracking Number [Redacted] |
08/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10407056 | [Redact] | [Redact] | 37356796 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to borrower was not provided. | 08/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10407056 | [Redact] | [Redact] | 37356797 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total is $[Redacted] on an Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted] ([Redacted]). | Reviewer Comment (2026-08-26): Client elected to waive the condition |
08/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10407056 | [Redact] | [Redact] | 37357684 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax and Insurance verification not provided for the REO to verify the expenses of $[Redacted] used to qualify. | Reviewer Comment (2026-08-28): Documentation to verify the REO expenses provided Seller Comment (2026-08-27): Docs |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10407125 | [Redact] | [Redact] | 37151177 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10407125 | [Redact] | [Redact] | 37389762 | 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. | 08/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408768 | [Redact] | [Redact] | 37158718 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-08): collateral shipped via [Redacted]Tracking ID [Redacted],[Redacted] |
09/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408768 | [Redact] | [Redact] | 37331777 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-08-26): Fully executed Business Purpose Cert provided Seller Comment (2026-08-26): Please find attached Business Purpose |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10408768 | [Redact] | [Redact] | 37331799 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file was missing a copy of the Cash-Out Utilization. | Reviewer Comment (2026-08-26): Fully executed Business Purpose Cert provided Seller Comment (2026-08-26): Please find attached Business Purpose |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10408768 | [Redact] | [Redact] | 37331837 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 08/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10408768 | [Redact] | [Redact] | 37331838 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 08/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10408793 | [Redact] | [Redact] | 37159817 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-20): [Redacted]Tracking Number [Redacted] |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10408793 | [Redact] | [Redact] | 37245023 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | The mortgage loan file contains documenting evidence that the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | 08/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10408793 | [Redact] | [Redact] | 37245222 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - Occupancy: ___; Declarations/Will borrower occupy: ___ | Provide a revised Final 1003 Declarations 5a indicating the borrower will not occupy the subject property as their primary residence. | Reviewer Comment (2026-08-26): Revised 1003 provided Seller Comment (2026-08-24): 1003 |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10408856 | [Redact] | [Redact] | 37160854 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-31): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-26): The tracking for the note is [Redacted] |
08/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408856 | [Redact] | [Redact] | 37311828 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | Flood insurance policy document is missing in the file. | Reviewer Comment (2026-08-26): Received flood insurance policy. Exception cleared. Seller Comment (2026-08-25): Flood Insurance Policy |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10408856 | [Redact] | [Redact] | 37311864 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [Redacted] is less than the guideline representative FICO score of [Redacted]. Client exception in file. | The qualifying DSCR on the loan is greater than the guideline minimum. 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]. |
[Redacted] DSCR where [Redacted] is minimum. $[Redacted] post-close reserves ([Redacted] months or [Redacted]x). |
Originator Pre-Close,Aggregator Originator Pre-Close,Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-08-21): Client elected to waive the condition with the following Compensating Factors: [Redacted] DSCR where [Redacted] is minimum. $[Redacted] post-close reserves ([Redacted]months or [Redacted]x). Credit depth: [Redacted]-year credit history including [Redacted]-year mortgage history paid as agreed. |
08/21/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||
| [Redact] | 10408856 | [Redact] | [Redact] | 37323367 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 08/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10409297 | [Redact] | [Redact] | 37167868 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-25): Waived on Rate Lock: Collateral cleared by Custodian |
08/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10409297 | [Redact] | [Redact] | 37281020 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Points and Fees on the subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Reviewer Comment (2026-08-19): Client elected to waive the condition on the Non-QM 1st lien |
08/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10409297 | [Redact] | [Redact] | 37281025 | 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. | Reviewer Comment (2026-08-19): Sufficient Cure Provided At Closing |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10409297 | [Redact] | [Redact] | 37281026 | 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 HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-19): Sufficient Cure Provided At Closing |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10409297 | [Redact] | [Redact] | 37282748 | 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 Certification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-19): Sufficient Cure Provided At Closing |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10410557 | [Redact] | [Redact] | 37172949 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-27): Waived on Rate Lock: Collateral cleared by Custodian |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10410557 | [Redact] | [Redact] | 37345787 | 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. | The preliminary title report in the file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | 08/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10410654 | [Redact] | [Redact] | 37173751 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-27): collateral will be shipped out tonight via [Redacted] trk#[Redacted].Delivered [Redacted], [Redacted] at [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10410654 | [Redact] | [Redact] | 37348680 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy appraisal disclosure to applicant within three business days of application or determination of first lien status. | Reviewer Comment (2026-08-27): Received Loan Estimate. Exception cleared. Seller Comment (2026-08-27): Please find attached LE page [Redacted] provides notice to the borrower that we will promptly give a copy of any appraisal, even if your loan does not close |
08/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | ||||||||||
| [Redact] | 10410654 | [Redact] | [Redact] | 37348682 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file was missing a copy of a fully executed Business Purpose Certificate. | Reviewer Comment (2026-08-27): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-27): Please find Business purpose attached |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10410688 | [Redact] | [Redact] | 37175069 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-27): [Redacted]Tracking Number [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10410688 | [Redact] | [Redact] | 37361888 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Evidence of earlier borrower receipt was not found in file. | Reviewer Comment (2026-09-01): [Redacted] received disclosure tracking details summary and further review the initial disclosures are sent to borrower within that timing requirement. Seller Comment (2026-08-31): Disclosure Tracking |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10410697 | [Redact] | [Redact] | 37175515 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-23): Per [Redacted]tracking [Redacted], the collateral was delivered on [Redacted]. Seller Comment (2026-09-22): Tracking# [Redacted] |
09/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10410697 | [Redact] | [Redact] | 37591184 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-09-21): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-21): Please see uploaded Business Purpose document |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10410697 | [Redact] | [Redact] | 37591218 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-09-21): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-21): Please see uploaded Business Purpose document |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10410706 | [Redact] | [Redact] | 37177040 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-26): (Rate Lock) [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10410706 | [Redact] | [Redact] | 37261155 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank [Redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Reviewer Comment (2026-10-08): Client elected to waive the condition Reviewer Comment (2026-08-25): Client elected to waive the condition |
10/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10410706 | [Redact] | [Redact] | 37261157 | Compliance | Compliance | State Compliance | State HPML | [Redacted] Rate Spread Threshold Test Non-Compliant | [Redacted] Rate Spread Home Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Rate Spread Home Loan. | Reviewer Comment (2026-10-08): Compliant [Redact] Rate Spread Loan Seller Comment (2026-10-06): [Redacted] - Waterfall exception to [Redacted] & [Redacted]. |
No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Within 90 days of closing and prior to institution of any action against the lender, (1) notify the borrower, and (2) make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a rate spread home loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-rate spread loan or (b) keep loan as a rate spread loan and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10410706 | [Redact] | [Redact] | 37267139 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Per the compliance report in file, the application date was [Redacted]. The disclosures in file were not dated within three business days of the application date. | Reviewer Comment (2026-10-08): Documentation provided verifying an updated application date Reviewer Comment (2026-08-25): Client elected to waive the condition |
10/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10410706 | [Redact] | [Redact] | 37267140 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-10-08): Updated application date verified Seller Comment (2026-10-06): [Redacted] - Waterfall exception to [Redacted] & [Redacted]. |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10410706 | [Redact] | [Redact] | 37267141 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Per the compliance report in file, the application date was [Redacted]. The disclosures in file were not dated within three business days of the application date. | Reviewer Comment (2026-10-08): Updated application date verified Seller Comment (2026-10-06): [Redacted] - Uploaded Pre-Approval provided by lender showing subject property was TBD at time of submission, which would have triggered Initial Disclosures to be disclosed. Please review and advise if this clears the exception or additional documentation is required. |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10410706 | [Redact] | [Redact] | 37267142 | 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. | Per the compliance report in file, the application date was [Redacted]. The disclosures in file were not dated within three business days of the application date. | Reviewer Comment (2026-10-08): Documentation provided verifying an updated application date Reviewer Comment (2026-08-25): Client elected to waive the condition |
10/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10410730 | [Redact] | [Redact] | 37177100 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-01): [Redacted]Tracking Number [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10410730 | [Redact] | [Redact] | 37403782 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify the REO expenses for the Primary Residence of $[Redacted] per month. | Reviewer Comment (2026-09-01): Received Verification of Insurance and Tax for primary property. Exception Cleared. Seller Comment (2026-09-01): please see attached primary hoi and tax cert for [Redacted]. property is owned free and clear |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10410730 | [Redact] | [Redact] | 37403786 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 08/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10410730 | [Redact] | [Redact] | 37403787 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on the subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the original loan amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on an original loan amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted]. | Reviewer Comment (2026-08-31): Client elected to waive the condition. |
08/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10411666 | [Redact] | [Redact] | 37183470 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-25): Waived on Rate Lock: Collateral cleared by Custodian |
08/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10411666 | [Redact] | [Redact] | 37300669 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application. | Reviewer Comment (2026-08-24): [Redacted] received earliest e-consent. Seller Comment (2026-08-21): [Redacted] Please see attached |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redact] | 10396109 | [Redact] | 37217001 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Maximum LTV based on borrower credit score of [Redacted] is [Redacted]%. Lender exception approval in loan file. | 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 mortgage payment has decreased by at least [Redacted]%. 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. |
Residual income of $[Redacted] monthly payment savings of $[Redacted] monthly. [Redacted] months residual income |
[Redact],Aggregator [Redact] [Redact] Aggregator,[Redact] Originator Pre-Close,Aggregator,[Redact] [Redact] [Redact] |
Reviewer Comment (2026-08-17): Client elected to waive the condition with the following Comp Factors: Residual income of $[Redacted] monthly, [Redacted] months residual income, payment savings of $[Redacted] monthly. |
08/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10396109 | [Redact] | 37217002 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Maximum LTV based on borrower credit score of [Redacted] is [Redacted]%. Lender exception approval in loan file. | 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 mortgage payment has decreased by at least [Redacted]%. 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. |
Residual income of $[Redacted] monthly payment savings of $[Redacted] monthly. [Redacted] months residual income |
[Redact],Aggregator [Redact] [Redact] Aggregator,[Redact] Originator Pre-Close,Aggregator,[Redact] [Redact] [Redact] |
Reviewer Comment (2026-08-17): Client elected to waive the condition with the following Comp Factors: Residual income of $[Redacted] monthly, [Redacted] months residual income, payment savings of $[Redacted] monthly. |
08/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10411809 | [Redact] | [Redact] | 37186159 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-28): Waived on Rate Lock: Collateral cleared by Custodian |
08/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10411809 | [Redact] | [Redact] | 37312051 | 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 (2026-08-21): Sufficient Cure Provided At Closing |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10411809 | [Redact] | [Redact] | 37312052 | 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 (2026-08-21): Sufficient Cure Provided At Closing |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10411809 | [Redact] | [Redact] | 37312053 | 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. | Reviewer Comment (2026-08-21): Sufficient Cure Provided At Closing |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10411809 | [Redact] | [Redact] | 37312505 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per the guidelines, evidence that the business is currently active and has been in existence for at least two (2) years via CPA/tax preparer letter or confirmation from a regulatory or state agency or applicable licensing bureau is required. The LLC has only been in existence for [Redacted] months. Client exception approval in file. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. Borrower has verified disposable income of at least $[Redacted]. 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. |
DTI is [Redacted] where [Redacted] is maximum Reserves of [Redacted] months where [Redacted] is minimum (2X) LTV [Redacted] where [Redacted] is maximum |
[Redact],Aggregator [Redact] Originator Pre-Close,Aggregator,[Redact] [Redact] Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-08-21): Client elected to waive the condition with the following Compensating Factors: LTV [Redacted] where [Redacted] is maximum DTI is [Redacted] where [Redacted] is maximum Reserves of [Redacted] months where [Redacted] is minimum ([Redacted]) |
08/21/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10411811 | [Redact] | [Redact] | 37186166 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10411808 | [Redact] | [Redact] | 37186256 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-04): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-02): [Redacted]Tracking Number [Redacted] |
09/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10412067 | [Redact] | [Redact] | 37187134 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-18): (Rate Lock) [Redacted] |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10412067 | [Redact] | [Redact] | 37204431 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 08/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10412070 | [Redact] | [Redact] | 37187197 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Final title was not found in file. | Buyer Comment (2026-08-28): Waived on Rate Lock: Collateral cleared by Custodian |
08/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10412070 | [Redact] | [Redact] | 37329858 | 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 $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-24): Sufficient Cure Provided At Closing |
08/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10412669 | [Redact] | [Redact] | 37192452 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10412669 | [Redact] | [Redact] | 37364267 | 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. | The preliminary title report in file disclosed $[Redacted] of title insurance coverage; however, this is less than the loan amount of $[Redacted]. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | 08/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10417286 | [Redact] | [Redact] | 37194798 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-03): The collateral was delivered [Redacted] via [Redacted] |
09/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10417286 | [Redact] | [Redact] | 37424728 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | The verification that the appraisal was delivered to the borrower was not provided. | 09/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10417283 | [Redact] | [Redact] | 37194845 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-25): tracking attached |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10417283 | [Redact] | [Redact] | 37212923 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st lien mortgage loan. | PCCD dated [Redacted] shows taxes and insurance are escrowed, however Initial Escrow Account Statement and Final Closing Disclosure dated [Redacted] show that only the insurance is escrowed. | Reviewer Comment (2026-08-17): PCCD provided identifying taxes and insurance were escrowed Seller Comment (2026-08-14): see attached payment history and pccd. escrows balance was upated. Seller Comment (2026-08-14): Escrow balance was updated. PCCD disclosed to borrower. PCCD and pay history attached |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required. If no escrow account was established at or before consummation, no cure available. |
C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10417283 | [Redact] | [Redact] | 37212924 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | The loan is Non-Compliant due to the only copy of the appraisal in file was dated post-close. | Reviewer Comment (2026-08-17): Prelim appraisal with a report date prior to closing provided |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10417283 | [Redact] | [Redact] | 37212925 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The loan is Non-Compliant due to the only copy of the appraisal in file was dated post-close. | Reviewer Comment (2026-08-17): Prelim appraisal with a report date prior to closing provided Seller Comment (2026-08-14): original appraisal attached Seller Comment (2026-08-14): see attached |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10417283 | [Redact] | [Redact] | 37212927 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The IEAD in file matched the final Closing Disclosure that only escrowed insurance; however, the post-close Closing Disclosure escrowed taxes and insurance. A copy of the IEAD matching the Post-Close Closing Disclosure is required. | Reviewer Comment (2026-08-17): PCCD provided identifying taxes and insurance were escrowed Seller Comment (2026-08-14): see attached |
08/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10417283 | [Redact] | [Redact] | 37212929 | 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. | No cure or Change of Circumstance was provided. | Reviewer Comment (2026-08-17): [Redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Seller Comment (2026-08-14): see attached |
08/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | 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 | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10417283 | [Redact] | [Redact] | 37212936 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether property taxes are included in escrow. | PCCD dated [Redacted] shows taxes and insurance are escrowed, however Initial Escrow Account Statement and Final Closing Disclosure dated [Redacted] show that only the insurance is escrowed. | Reviewer Comment (2026-08-17): [Redacted] received PCCD, LOE, copy of refund check and proof of delivery. Seller Comment (2026-08-14): see attached |
08/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10417283 | [Redact] | [Redact] | 37245774 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | 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. | Sufficient cure provided. | Reviewer Comment (2026-08-17): Sufficient Cure Provided within 60 Days of Closing |
08/17/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||
| [Redact] | 10417868 | [Redact] | [Redact] | 37198122 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10417868 | [Redact] | [Redact] | 37237790 | 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. | Sufficient Cure Provided At Closing. | Reviewer Comment (2026-08-14): Sufficient Cure Provided At Closing |
08/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10418515 | [Redact] | [Redact] | 37199408 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10396137 | [Redact] | 37211561 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Initial Right to Receive a Copy appraisal is missing from the file. | Buyer Comment (2026-08-13): Initial and Final Grade B, accepted |
08/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10288707 | [Redact] | 37202667 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report not in file for entity nor was entity referenced on the loan participant list. | Reviewer Comment (2026-06-10): Received Fraud report for the entity. Exception cleared. Buyer Comment (2026-06-08): Fraud Report |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10288707 | [Redact] | 37202668 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Business Purpose Certificate required as per guide. | Reviewer Comment (2026-07-06): BPC received with the initials of the borrower and Notarised. Exception Cleared. Buyer Comment (2026-07-01): BPA Reviewer Comment (2026-06-12): Received BPC without the initials of the borrower and Notary. Provide Business Purpose Certificate with initials on page [Redacted] stating "the property is not and will be occupied by me or any family member" along with notary. Exception remains. Buyer Comment (2026-06-11): LOE |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288707 | [Redact] | 37202669 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | An unexpired executed lease is required for all units at the time of closing for refinance transaction. | Reviewer Comment (2026-06-10): Received Lease agreement for the subject property. Exception Cleared. Buyer Comment (2026-06-08): Lease |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288707 | [Redact] | 37202671 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient by $[Redacted]. As per guide - Properties where the insurance coverage on the declaration page does not cover the loan amount must have a cost estimate from the insurance company or agent evidencing the property is insured for its replacement cost. | Reviewer Comment (2026-06-22): Received Updated HOI with premium. Exception cleared. Buyer Comment (2026-06-21): Updated HOI w/premium included Reviewer Comment (2026-06-15): Received HOI policy with updated dwelling coverage however without the premium amount. Provide complete policy with Dwelling coverage and Premium amount. Exception remains. Buyer Comment (2026-06-11): HOI |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288707 | [Redact] | 37202672 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing required for "[Redacted]" | Reviewer Comment (2026-06-10): Received Certificate of Good Standing required for "[Redacted]". Exception cleared. Buyer Comment (2026-06-08): COGS |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288707 | [Redact] | 37202673 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Cash-Out Utilization/Business purpose missing in file and is required as per guide. | Reviewer Comment (2026-06-15): Lox for cash out refinance received. Exception Cleared. Buyer Comment (2026-06-11): LOE |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288707 | [Redact] | 37202674 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | The loan closed under a business entity, but the required personal guarantee agreement is missing. A signed Guarantor Agreement must be executed for "[Redacted]" by the designated guarantor. | Reviewer Comment (2026-06-12): Received Guarantor Agreement. Exception cleared. Buyer Comment (2026-06-11): Guaranty |
06/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288707 | [Redact] | 37202675 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The loan file must include documentation detailing the DSCR calculation, such as the 1008, Loan Approval or a DSCR Calculation Worksheet |
Reviewer Comment (2026-06-10): Received DSCR Calculation Worksheet. Exception cleared. Buyer Comment (2026-06-08): DSCR Calculation |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288707 | [Redact] | 37202676 | Credit | Guideline | Guideline Issue | Guideline | DSCR does not meet guideline requirements. | As per guide - The employment and income section of the loan application should not be completed. income disclosed $[Redacted]and numerous other IRS documents reflecting other rental income was noted in file. | Reviewer Comment (2026-06-18): Received corrected 1003 with employment and income section not updated. Exception Cleared. Buyer Comment (2026-06-16): 1003 Reviewer Comment (2026-06-12): Received 1003 with Section 1b Current employment Updated as [Redacted] rentals. As per guide - The employment and income section of the loan application should not be completed. Provide Updated 1003 with Section 1b Current employment to be left blank. Exception remains. Buyer Comment (2026-06-11): 1003 Reviewer Comment (2026-06-10): As per guide, The employment and income section of the loan application should not be completed. Received 1003 with Section 1B Current employment section updated. provide corrected 1003 with Section 1b left blank income should not be updated. Exception remains. Buyer Comment (2026-06-08): 1003 |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10326619 | [Redact] | 37202708 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Track Record Report not provided | An experienced real estate investor must have a minimum of [Redacted] months ownership and management of income producing residential or commercial real estate within the past 24 months. | Reviewer Comment (2026-07-22): We have received the Signed copy of Operating Agreement and Corporate Resolution for [Redacted] which confirms that prop [Redacted] " and "[Redacted]" are owned for more than [Redacted] months. Exception Cleared. Buyer Comment (2026-07-20): Deed for [Redacted] demonstrates that the LLC has owned the property for more than [Redacted] months Buyer Comment (2026-07-20): signed operating agreement Reviewer Comment (2026-07-15): We have received the Operating Agreement and Corporate Resolution for [Redacted]; however, both documents are unsigned. Please provide fully executed (signed) copies of these documents. Additionally, please provide a lease agreement or other supporting documentation demonstrating that the property has been owned by the borrower for at least 12 months and confirming its investment property occupancy status. Exception remains. Buyer Comment (2026-07-14): operating agreement Reviewer Comment (2026-07-09): Received Certificate of Formation for "[Redacted]" and "[Redacted]". However the document does not confirms who owns the LLC. Secondly Neither there is an evidence to confirm the owner of the Properties Located at "[Redacted]" and [Redacted]". Exception remains. Buyer Comment (2026-07-07): [Redacted] Reviewer Comment (2026-07-01): Received LOX from borrower confirming 2 REO's that the borrower has investor experience. However Unable to determine if these properties were investment properties and unable to confirm if they are owned by borrower. Fraud report does not reflects these properties. Provide supporting document that confirms borrower owns these properties and document that confirms the occupancy as investments. Exception remains. Buyer Comment (2026-06-30): LOX from borrower |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10360856 | [Redact] | 37202709 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-07-20): Cleared Buyer Comment (2026-07-20): [Redacted] accepts value |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10360856 | [Redact] | 37202710 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Missing evidence of [Redacted] payment for account [Redacted] Bank# [Redacted] and [Redacted] Bank #[Redacted] | Reviewer Comment (2026-07-20): Credit supplement received which reflects payments till [Redacted] for both [Redacted]# [Redacted] and [Redacted] #[Redacted]. Exception Cleared. Buyer Comment (2026-07-17): Credit Supplement |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10360856 | [Redact] | 37202711 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Provide updated fraud report reflecting entity included as a participant in industry watch and exclusionary lists. | Reviewer Comment (2026-07-20): Received updated fraud report reflecting entity name included as a participant in industry watch and exclusionary lists. Exception Cleared. Buyer Comment (2026-07-17): Fraud Report |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10360856 | [Redact] | 37202713 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding ADUs. | Guidelines require at least 2 comparable properties with similar [Redacted]. Appraisal only reflects [Redacted] comp with an [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
[Redact] [Redact] |
Reviewer Comment (2026-07-28): Appraisal provided with additional similar comp. Investor accepts appraisal. Buyer Comment (2026-07-24): Revised Appraisal Buyer Comment (2026-07-24): Per [Redacted]: [Redacted] has already reviewed the appraisal and accepts the appraisal. |
07/28/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||
| [Redact] | 10366094 | [Redact] | 37202719 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Track Record Report not provided | An experienced real estate investor must have a minimum of [Redacted] months ownership and management of income producing residential or commercial real estate within the past [Redacted] months. | Reviewer Comment (2026-07-13): As per the lease agreement, the property located at [Redacted] was leased from [Redacted] through [Redacted]. This demonstrates that the property was held as an [Redacted] and satisfies the guideline requirement of a minimum 12-month investment ownership period. Exception Cleared. Buyer Comment (2026-07-09): per seller: Please note these documents were provided in the uploaded initial package. Lease agreement for the rented [Redacted], Mortgage Statements and Property Profile, evidencing length of ownership for the [Redacted] property. This documentation should satisfy both landlord history and track record requirements. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10366094 | [Redact] | 37202720 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | 12 months payments required for subject property | Reviewer Comment (2026-07-22): Received payment proof for [Redacted] and [Redacted] for subject property. Exception Cleared. Buyer Comment (2026-07-20): [Redacted] and [Redacted] pmts Reviewer Comment (2026-07-16): Only months required for payment proof is [Redacted] and [Redacted]. Buyer Comment (2026-07-16): FYI: The subject was purchased [Redacted], we need proof of the mortgage payments from [Redacted] for [Redacted] & [Redacted] payment . Note date [Redacted]. [Redacted] month history is not available as the subject wasn't owned for [Redacted] months Reviewer Comment (2026-07-13): Lox and Lease agreement provided in file is for the borrower's current residence [Redacted]. We would require [Redacted] months housing history for the borrower subject property "[Redacted]" Exception remains. Buyer Comment (2026-07-10): Occupancy LOX, Residency Letter, and Previous Lease. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10366094 | [Redact] | 37202721 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-07-14): Cleared Buyer Comment (2026-07-10): [Redacted] accepts value |
07/14/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||||||
| [Redact] | 10327910 | [Redact] | 37202743 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted].Coverage must meet FNMA requirements, Missing Replacement Cost Estimator. | Reviewer Comment (2026-07-28): A Replacement Cost Estimator was received and is sufficient to satisfy the requirement. Exception cleared. Buyer Comment (2026-07-27): RCE Reviewer Comment (2026-07-17): Noted. received email correspondence from insurance company stating Replacement cost optional coverage applies. Provide revised policy or an email confirmation from insurance company regarding what amount above the dwelling is the extended replace to be considered. Current dwelling is less than the Loan Amount. Exception remains. Buyer Comment (2026-07-16): Insurer Email Buyer Comment (2026-07-16): LOE |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10327910 | [Redact] | 37202744 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing in file. | Reviewer Comment (2026-07-22): Received Guarantor Agreement. Exception cleared. Buyer Comment (2026-07-21): Guaranty |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10327910 | [Redact] | 37202745 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-07-20): Cleared Buyer Comment (2026-07-20): [Redacted] accepts value |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10339294 | [Redact] | 37202760 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Missing: The loan file must include documentation detailing the DSCR calculation, such as the 1008, Loan Approval or a DSCR Calculation Worksheet. |
Reviewer Comment (2026-07-20): DSCR calculation worksheet received. DSCR: [Redacted]/[Redacted]= [Redacted]. Exception Cleared. Buyer Comment (2026-07-17): 1008 |
07/20/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | A | A | A | A | A | A | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10362102 | [Redact] | 37202772 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Business Purpose Certificate available is not signed hence require updated Business Purpose Certificate. | Reviewer Comment (2026-07-23): Received Signed and executed Business Purpose Certificate. Exception cleared. Buyer Comment (2026-07-22): BPC |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10362102 | [Redact] | 37202773 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing. | Reviewer Comment (2026-07-23): Received Signed Guarantor Agreement. Exception Cleared. Buyer Comment (2026-07-22): Guarantor Agreement |
07/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10362102 | [Redact] | 37202774 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty - Business Entity | [Redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [Redacted]under [Redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. | Buyer Comment (2026-07-17): Acknowledged non-material EV2 |
07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10419493 | [Redact] | [Redact] | 37208145 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-16): (Rate Lock) [Redacted] |
09/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10419493 | [Redact] | [Redact] | 37551269 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification Appraisal delivered to borrower was not provided. | 09/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10419494 | [Redact] | [Redact] | 37208179 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-28): Waived on Rate Lock: Collateral cleared by Custodian |
08/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10420012 | [Redact] | [Redact] | 37212117 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10420768 | [Redact] | [Redact] | 37213491 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-18): Tracking# [Redacted], delivered on [Redacted] |
09/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10420768 | [Redact] | [Redact] | 37583754 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not executed. | Reviewer Comment (2026-09-17): Received Business purpose certificate. Exception cleared. Seller Comment (2026-09-17): Please see the Business Purpose Certificates for both borrowers attached. |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10420767 | [Redact] | [Redact] | 37217115 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-31): Waived on Rate Lock: Collateral cleared by Custodian |
08/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10420771 | [Redact] | [Redact] | 37217116 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-28): Waived on Rate Lock: Collateral cleared by Custodian |
08/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10420771 | [Redact] | [Redact] | 37331119 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-08-24): Client elected to waive the condition on the Non-QM 1st lien |
08/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10420789 | [Redact] | [Redact] | 37217853 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10420789 | [Redact] | [Redact] | 37402397 | 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. | Sufficient cure was provided. | Reviewer Comment (2026-08-28): Sufficient Cure Provided At Closing |
08/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10422734 | [Redact] | [Redact] | 37223896 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-09): (Rate Lock) [Redacted] |
09/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10422735 | [Redact] | [Redact] | 37224138 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-21): (Rate Lock) [Redacted] |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10422735 | [Redact] | [Redact] | 37582014 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Borrower provided Appraisal Waiver less than three (3) business days prior to consummation. | Reviewer Comment (2026-09-22): Client elected to waive the condition |
09/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10422735 | [Redact] | [Redact] | 37583003 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" Appraisal Disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-09-22): Client elected to waive the condition |
09/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10422741 | [Redact] | [Redact] | 37224782 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-25): [Redacted]tracking# [Redacted] |
09/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10422757 | [Redact] | [Redact] | 37224986 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-17): The collateral was delivered [Redacted] via [Redacted] |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10422757 | [Redact] | [Redact] | 37550394 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-09-17): Received Business purpose certificate. Exception cleared. Seller Comment (2026-09-16): Please find attached Business Purpose certificate |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10422757 | [Redact] | [Redact] | 37560887 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. | Blanket Insurance Policy Expiration Date of [Redacted] is less than [Redacted] days of the Note Date and does not have automatic renewal. | Reviewer Comment (2026-10-06): Received updated hazard insurance policy. Exception cleared. Seller Comment (2026-10-05): Please find attached policy with valid expiration date |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10423034 | [Redact] | [Redact] | 37234330 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-09): (Rate Lock) [Redacted] |
09/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10379273 | [Redact] | 37289491 | 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 was exceeded. The total amount of $[Redacted] exceeds the tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-08-19): Sufficient Cure Provided At Closing |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10423892 | [Redact] | [Redact] | 37251346 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-12): Waived on Rate Lock: Collateral cleared by Custodian |
10/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10423892 | [Redact] | [Redact] | 37763320 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The Verification Appraisal delivered to the borrower was not provided. | 10/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10423892 | [Redact] | [Redact] | 37763321 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Certificate. The copy in the file was not executed. | Reviewer Comment (2026-10-13): Received Business purpose certificate. Exception cleared. Seller Comment (2026-10-12): Please see attached Business Purpose Cert with correct address. Seller Comment (2026-10-12): Please see attached Business Purpose cert with correct address on it Reviewer Comment (2026-10-08): Received the Business Purpose Certificate for [Redacted]. Please provide Business Purpose Certificates for both [Redacted]and [Redacted]. Exception remains. Seller Comment (2026-10-08): Please see attached Business Purpose Cert. |
10/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10423907 | [Redact] | [Redact] | 37251941 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-11): collateral shipped via [Redacted]Tracking ID [Redacted] , delivered [Redacted] |
10/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10423907 | [Redact] | [Redact] | 37764413 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-10-08): Received Business Purpose Certificate. Exception Cleared Seller Comment (2026-10-08): Please see attached Business Purpose Cert. |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10423910 | [Redact] | [Redact] | 37252138 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-12): The collateral was delivered [Redacted] via [Redacted]trk#[Redacted]. |
10/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10423910 | [Redact] | [Redact] | 37767348 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Certificate. The copy in the file was not executed. | Reviewer Comment (2026-10-09): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-10-09): Please see the Business Purpose Certificate attached. |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10423917 | [Redact] | [Redact] | 37253199 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-11): collateral shipped via [Redacted]Tracking ID [Redacted], delivered [Redacted] |
10/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10423917 | [Redact] | [Redact] | 37761771 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Certificate. The copy in the file was not executed. | Reviewer Comment (2026-10-12): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-10-11): Please find attached Business Purpose for [Redacted] and [Redacted] Reviewer Comment (2026-10-08): Received the Business Purpose Certificate for [Redacted]. Please provide Business Purpose Certificates for both [Redacted]. and [Redacted]. Exception remains. Seller Comment (2026-10-08): Please see attached Business Purpose Cert. |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10432369 | [Redact] | [Redact] | 37289326 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-23): Per [Redacted]tracking [Redacted], the collateral was delivered on [Redacted] Seller Comment (2026-09-22): Tracking# [Redacted] |
09/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10432369 | [Redact] | [Redact] | 37589449 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Certificate. The copy in the file was not executed. | Reviewer Comment (2026-09-21): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-21): Please see uploaded Business Purpose document |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10432404 | [Redact] | [Redact] | 37289847 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-21): collateral shipped via [Redacted]trk#[Redacted], delivered [Redacted] |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10432404 | [Redact] | [Redact] | 37591733 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully Executed Business Purpose Certificate was not found in file. | Reviewer Comment (2026-09-22): Received Business purpose certificate. Exception cleared. Seller Comment (2026-09-21): Please find attached Business Purpose |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10432404 | [Redact] | [Redact] | 37595032 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-09-22): Received Business purpose certificate. Exception cleared. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10435179 | [Redact] | [Redact] | 37302472 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-08): Collateral set to be delivered today per [Redacted]tracking [Redacted]. |
10/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10436212 | [Redact] | [Redact] | 37304139 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-09): Waived on Rate Lock: Collateral cleared by Custodian |
10/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10436212 | [Redact] | [Redact] | 37743760 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-10-08): Received and associated Business Purpose Certificate. Exception Cleared Seller Comment (2026-10-07): Please see uploaded Business Purpose form |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10440423 | [Redact] | [Redact] | 37322102 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-23): Per [Redacted]tracking [Redacted], the collateral was delivered on [Redacted] |
09/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10440423 | [Redact] | [Redact] | 37598856 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification Appraisal delivered to borrower was not provided. | 09/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10440423 | [Redact] | [Redact] | 37598859 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-09-21): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-21): Please see Business Purpose Cert. attached |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10440423 | [Redact] | [Redact] | 37598869 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-09-21): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-21): Please see Business Purpose Cert. attached |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10440903 | [Redact] | [Redact] | 37333602 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-21): collateral shipped via [Redacted]Tracking ID: [Redacted], delivered [Redacted] |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10440903 | [Redact] | [Redact] | 37581909 | Compliance | Compliance | State Compliance | State Defect | [Redact] Prepayment Penalty | [Redacted] Prepayment Penalty: Maximum penalty allowed per state is [Redacted] [in Years 1-5]. Loan contracts for prepay percentages of [Redacted]%, [Redacted]%, [Redacted]%, which exceeds the max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. | Maximum penalty allowed per state is [Redacted] [in Years 1-5]. Loan contracts for prepay percentages of [Redacted]%, [Redacted]%, [Redacted]%, which exceeds the max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-09-22): Client elected to waive the condition |
09/22/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10333409 | [Redact] | 37336630 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing was provided. | Reviewer Comment (2026-07-01): Appraisal receipt dated [Redacted] has been captured. Exception cleared. Buyer Comment (2026-06-30): Uploaded |
07/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10333409 | [Redact] | 37336632 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Reviewer Comment (2026-07-01): Initial Escrow Account Disclosure has been uploaded. Exception cleared. Buyer Comment (2026-06-30): Uploaded |
07/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10333409 | [Redact] | 37336634 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing documentation required to support use of restricted stock unit income to qualify. [Evidence stock is publicly traded; Current vesting schedule reflecting past and future vesting; [Redacted]-day moving average stock price; and brokerage or bank statement showing receipt of previous year(s) distribution of restricted stock and, at a minimum, the number of vested shares or cash equivalent.] | Reviewer Comment (2026-07-01): Vesting schedule & restricted stock agreement has been captured. Exception cleared. Buyer Comment (2026-06-30): Uploaded |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10333409 | [Redact] | 37336635 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing documentation required to support use of restricted stock unit income to qualify. [Evidence stock is publicly traded; Current vesting schedule reflecting past and future vesting; [Redacted]-day moving average stock price; and brokerage or bank statement showing receipt of previous year(s) distribution of restricted stock and, at a minimum, the number of vested shares or cash equivalent.] | Reviewer Comment (2026-07-01): Vesting schedule & restricted stock agreement has been captured. Exception cleared. Buyer Comment (2026-06-30): Uploaded |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10333409 | [Redact] | 37336636 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to missing documentation pertaining to RSU income, resulting in a loan designation discrepancy. | Reviewer Comment (2026-07-01): Vesting schedule & restricted stock agreement has been captured. Exception cleared. |
07/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10333409 | [Redact] | 37336637 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing documentation pertaining to RSU income. | Reviewer Comment (2026-07-01): Vesting schedule & restricted stock agreement has been captured. Exception cleared. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10333409 | [Redact] | 37336638 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [Redacted]): Ability to Repay (Dodd-Frank [Redacted]): 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 documentation pertaining to RSU income. | Reviewer Comment (2026-07-01): Vesting schedule & restricted stock agreement has been captured. Exception cleared. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10333400 | [Redact] | 37336714 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment (2026-07-08): EV1. |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10333400 | [Redact] | 37336715 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation not provided. | Reviewer Comment (2026-07-08): Operating Agreement associated as an alternative document for Articles of Organization/Formation, Exception cleared. Buyer Comment (2026-07-07): Guidelines show: Entity Articles of organization, Partnership, and Operating agreements, IF ANY. There is no articles of organization, but you have the Operating agreement. Please clear. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10333400 | [Redact] | 37336716 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing not provided. | Reviewer Comment (2026-07-08): Certificate of Good Standing provided, Exception cleared Buyer Comment (2026-07-07): Uploaded |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10333400 | [Redact] | 37336717 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement not provided. | Reviewer Comment (2026-07-08): Operating Agreement provided, Exception cleared Buyer Comment (2026-07-07): Uploaded |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10441034 | [Redact] | [Redact] | 37337561 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-30): (Rate Lock) [Redacted] |
10/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10441034 | [Redact] | [Redact] | 37697111 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The Verification Appraisal delivered to the borrower was not provided. | 09/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10441034 | [Redact] | [Redact] | 37697114 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [Redact] exceeds tolerance of [Redact] plus 10% or [Redact]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-09-28): Sufficient Cure Provided within 60 Days of Closing |
09/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10441034 | [Redact] | [Redact] | 37697115 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-09-28): Sufficient Cure Provided within 60 Days of Closing |
09/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10358122 | [Redact] | 37348153 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | [Redacted].- Income was calculated using [Redacted]% by lender; however, CPA letter reflects borrower is [Redacted]% owner. Conflicting ownership percentage needs addressed. | Reviewer Comment (2026-08-03): Received Updated 1003 and 1008 with Borrower ownership considered as per CPA letter as 49%. Exception cleared. Buyer Comment (2026-07-31): updated 1003 & 1008 |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10358122 | [Redact] | 37348154 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was provided. Need earlier receipt. | Reviewer Comment (2026-07-31): Delivery provided. Buyer Comment (2026-07-30): Appraisal acknowledgment Reviewer Comment (2026-07-28): Noted. Appraisal report received on [Redacted] and as per Mail box rule it is within 3 business days of the Note date [Redacted] since [Redacted] do not fall in business days. Therefore either provide Borrower acceptance of receiving the appraisal report before [Redacted] or provide Appraisal Timing waiver signed 3 business days prior to the Note date. Exception remains. Buyer Comment (2026-07-27): Based on the mailbox rule appraisal received on [Redacted], which is 3 business days prior to the [Redacted] closing, as [Redacted] counts toward mailing days. Reviewer Comment (2026-07-27): Received Evidence of appraisal delivery dated [Redacted]. Either provide borrower's acceptance of receiving the appraisal report or appraisal waiver signed 3 business days prior to the note date ([Redacted]). Exception remains. Buyer Comment (2026-07-24): Appraisal delivery |
07/31/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10358122 | [Redact] | 37348155 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was provided. Need earlier receipt. | Reviewer Comment (2026-07-31): Delivery provided. Buyer Comment (2026-07-30): Please see uploaded Appraisal Acknowledgement Reviewer Comment (2026-07-28): Noted. Appraisal report received on [Redacted] and as per Mail box rule it is within 3 business days of the Note date [Redacted] since [Redacted] and [Redacted] do not fall in business days. Therefore either provide Borrower acceptance of receiving the appraisal report before [Redacted] or provide Appraisal Timing waiver signed 3 business days prior to the Note date. Exception remains. Buyer Comment (2026-07-27): Based on the mailbox rule appraisal received on [Redacted], which is 3 business days prior to the [Redacted] closing, as [Redacted] counts toward mailing days. Reviewer Comment (2026-07-27): Received Evidence of appraisal delivery dated [Redacted]. Either provide borrower's acceptance of receiving the appraisal report or appraisal waiver signed 3 business days prior to the note date ([Redacted]). Exception remains. Buyer Comment (2026-07-24): Please see uploaded Appraisal delivery |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10358122 | [Redact] | 37348156 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Informational EV2 | Buyer Comment (2026-07-23): Acknowledged non material |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10358122 | [Redact] | 37348159 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-07-31): Delivery provided. Buyer Comment (2026-07-30): Please see uploaded Appraisal Acknowledgement Reviewer Comment (2026-07-29): Noted. Appraisal report received on [Redacted]/[Redacted] and as per Mail box rule it is within 3 business days of the Note date [Redacted] since [Redacted] and [Redacted] do not fall in business days. Therefore either provide Borrower acceptance of receiving the appraisal report before [Redacted] or provide Appraisal Timing waiver signed 3 business days prior to the Note date. Exception remains. Buyer Comment (2026-07-27): Based on the mailbox rule appraisal received on [Redacted], which is 3 business days prior to the [Redacted] closing, as [Redacted] counts toward mailing days. Reviewer Comment (2026-07-27): Received Evidence of appraisal delivery dated [Redacted]. Either provide borrower's acceptance of receiving the appraisal report or appraisal waiver signed 3 business days prior to the note date ([Redacted]). Exception remains. Buyer Comment (2026-07-24): Please see uploaded Appraisal delivery |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10358122 | [Redact] | 37348160 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR Failure. This exception will be cleared once all ATR specific Exceptions have been cured/Cleared. | Reviewer Comment (2026-08-03): Received Updated 1003 and 1008 with Borrower ownership considered as per CPA letter as [Redacted]%. Exception cleared. Buyer Comment (2026-07-31): see updated 1008/1003 |
08/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10358122 | [Redact] | 37348161 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR failure due to insufficient Income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-08-03): Received Updated 1003 and 1008 with Borrower ownership considered as per CPA letter as [Redacted]%. Exception cleared. Buyer Comment (2026-07-31): see updated 1008/1003 |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10366614 | [Redact] | 37348199 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-07-20): Cleared Buyer Comment (2026-07-20): [Redacted] accepts value |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10366614 | [Redact] | 37348200 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Guidelines require a VOM. On the Credit Report date, the mortgage must be current and no more than [Redacted] days have elapsed since the last installment date. [Redacted] #[Redacted] missing evidence of payment for [Redacted]. | Reviewer Comment (2026-07-31): Received updated credit supplement reflecting payment till [Redacted] for account [Redacted] #[Redacted]. Exception Cleared. Buyer Comment (2026-07-29): credit report including [Redacted] payment |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10378922 | [Redact] | 37348202 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report is missing for [Redacted], [Redacted] & [Redacted]. | Reviewer Comment (2026-08-04): Provided. Buyer Comment (2026-08-04): Fraud report with entity as participant |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10378922 | [Redact] | 37348203 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | Fraud Report (OFAC) is missing for [Redacted], [Redacted] & [Redacted]. | Reviewer Comment (2026-08-04): Provided. Buyer Comment (2026-08-04): OFAC check |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10378922 | [Redact] | 37348208 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing in file. | Reviewer Comment (2026-08-04): Provided. Buyer Comment (2026-08-04): 1008 with DSCR calculation at bottom |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10366096 | [Redact] | 37348209 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | For all transaction types, credit documents may not be older than [Redacted] days from the Note date. Credit original pull is <[Redacted] but updated to [Redacted] <[Redacted] days, however, many tradelines are still over [Redacted] days old, unable to ascertain if credit score was updated. | 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. |
[Redacted] | [Redact],Aggregator [Redact] [Redact] |
Reviewer Comment (2026-07-31): Investor accepts and agrees to waive with compensating factors. Buyer Comment (2026-07-31): investor exception approval |
07/31/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||
| [Redact] | 10366096 | [Redact] | 37348211 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Provided HOI Policy reflects Loss of Use in the amount of $[Redacted]. Unable to determine if Loss of use is same as rent loss / Loss of rent. provide updated policy reflecting loss of rent / rent loss or email confirmation from Insurance company confirming the same. | Reviewer Comment (2026-07-31): Insurance agent confirmed same Buyer Comment (2026-07-31): Conf from agent that Rent Loss is same as 'loss of use' |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10366096 | [Redact] | 37348212 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Business Purpose Certificate is missing in file. | Reviewer Comment (2026-07-29): Received Signed and executed Business Purpose Certificate. Exception cleared. Buyer Comment (2026-07-28): BPC |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10366096 | [Redact] | 37348214 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment is missing in file. | Reviewer Comment (2026-07-29): Received Signed Note Addendum - Prepayment. Exception cleared. Buyer Comment (2026-07-27): PPP addendum |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | Yes | ||||||||||||
| [Redact] | 10396065 | [Redact] | 37348215 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-08-04): Cleared Buyer Comment (2026-08-03): [Redacted] accepts value |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10396065 | [Redact] | 37348216 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Guidelines require 3 months reserves and only [Redacted] were provided. Need additional assets. | Reviewer Comment (2026-08-10): Received Bank statement for [Redacted] investment #[Redacted] covering the reserve requirement. Exception cleared. Buyer Comment (2026-08-07): [Redacted] Statement |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10396065 | [Redact] | 37348218 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Provided fraud report does not include a comparison of all participant names against industry watch and exclusionary lists. Please provide a third-party report (First [Redacted] FraudGuard or similar) to identify any information discrepancies and indications of possible fraudulent activity. | Reviewer Comment (2026-08-03): received Fraud report including comparison of all participant names against industry watch and exclusionary lists. Exception cleared. Buyer Comment (2026-08-03): Fraud Report |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10396065 | [Redact] | 37348219 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Notice of Special Flood Hazard Disclosure was not signed/Executed. | Reviewer Comment (2026-08-03): Received Notice of special flood Hazard signed and executed. Exception cleared. Buyer Comment (2026-07-31): Notice of special flood hazards |
08/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10423992 | [Redact] | 37379663 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-08-30): Initial and Final Grade B, accepted |
08/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10423992 | [Redact] | 37379665 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) [Redact] High-Cost Loan (Borrower Notice Not Provided) | [Redacted] High-Cost Loan: Notice to Borrower not provided to borrower. | Reviewer Comment (2026-09-03): Seller's wire fee for net proceeds has been excluded. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10423992 | [Redact] | 37379666 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) [Redact] High-Cost Loan (Counseling Requirement) | [Redacted] High-Cost Loan: Proof of counseling from HUD-approved nonprofit credit counselor not obtained. | Reviewer Comment (2026-09-03): Seller's wire fee for net proceeds has been excluded. Seller Comment (2026-09-02): that it is passing stage regs and [Redacted] points and fees as well |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10423992 | [Redact] | 37379667 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) [Redact] High-Cost Loan (Financed Fees Exceeds Threshold) | [Redacted] High-Cost Loan: Lender financed points and fees in excess of [Redacted]% of the total loan amount. | Reviewer Comment (2026-09-03): Seller's wire fee for net proceeds has been excluded. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10423992 | [Redact] | 37379668 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) [Redact] High-Cost Loan (Points and Fees) | [Redacted] Home Ownership Security Act: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). Non-Compliant High Cost Loan. | Reviewer Comment (2026-09-03): Seller's wire fee for net proceeds has been excluded. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier). (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10443707 | [Redact] | [Redact] | 37352756 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-09): Waived on Rate Lock: Collateral cleared by Custodian |
10/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10443707 | [Redact] | [Redact] | 37740065 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-10-08): Received and associated Business Purpose Certificate. Exception Cleared Seller Comment (2026-10-07): Please find attached Business Purpose |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10443707 | [Redact] | [Redact] | 37740103 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification Appraisal delivered to borrower was not provided. | 10/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10443861 | [Redact] | [Redact] | 37353160 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-01): Collateral delivered on [Redacted] via [Redacted]tracking number [Redacted] |
10/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10443867 | [Redact] | [Redact] | 37353808 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-14): Collateral delivered on [Redacted] via [Redacted]tracking number [Redacted]. |
09/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10443867 | [Redact] | [Redact] | 37478665 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose in file was not fully executed. | Reviewer Comment (2026-09-09): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-09): Please see attached business purpose cert. |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10443867 | [Redact] | [Redact] | 37482505 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-09-09): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-09): Please see attached business purpose cert. |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10449682 | [Redact] | [Redact] | 37374154 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-19): Waived on Rate Lock: Collateral cleared by Custodian |
10/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10371439 | [Redact] | 37382131 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | EV2 informational. | Buyer Comment (2026-08-12): Acknowledged non-material EV2 |
08/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | N/A | Yes | |||||||||
| [Redact] | 10362153 | [Redact] | 37382147 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-08-12): Accepted Buyer Comment (2026-08-11): [Redacted] accepts value |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10362153 | [Redact] | 37382149 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter is missing in file. | Reviewer Comment (2026-08-12): Received Closing Protection Letter. Exception Cleared. Buyer Comment (2026-08-11): cpl |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10362153 | [Redact] | 37382150 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | Provide corrected CD showing the assumable indicator on page 4. | Reviewer Comment (2026-08-11): Received LOX and PCCD with page [Redacted] been updated as Loan is assumable. Exception cleared. Buyer Comment (2026-08-10): LOE and PCCD |
08/11/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10394064 | [Redact] | 37382164 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter is missing in file. | Reviewer Comment (2026-08-18): Received Closing Protection Letter. Exception cleared. Buyer Comment (2026-08-17): cpl |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10364634 | [Redact] | 37403075 | 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 Closing Disclosure provided was the [Redacted] final Signed/Dated copy. Earlier receipt was not provided | Reviewer Comment (2026-07-14): [Redacted] received [Redacted] CD received 3 business days prior to consummation. Buyer Comment (2026-07-14): see attached CD |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10364634 | [Redact] | 37403077 | 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 Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit report fee increased on the [Redacted] Closing Disclosure without a valid Change in Circumstance. No cure listed at close | Reviewer Comment (2026-07-17): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-07-16): cure check attached Reviewer Comment (2026-07-14): [Redacted] Received Corrected PCCD, LOE and proof of Mailing; however, copy of check not received. Also, [Redacted]tracking shows label created and not delivered. Provide copy of check and Proof of Mailing. Buyer Comment (2026-07-14): Cure documents. |
07/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10364634 | [Redact] | 37403078 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A gap credit report provided within [Redacted] days of closing is missing from the file. | Reviewer Comment (2026-07-16): Cleared. Received gap credit report. Buyer Comment (2026-07-14): see attached |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10364600 | [Redact] | 37403082 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The Rate Lock provided was not dated as required. | Reviewer Comment (2026-07-17): Cleared. Received rate lock in trailing docs. Buyer Comment (2026-07-14): initial rate lock [Redacted] Buyer Comment (2026-06-26): see attached |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Primary | Refinance - Rate/Term | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10364602 | [Redact] | 37403093 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Actual Date(s) on Notice of Right to Cancel occur prior to expected date(s). | Reviewer Comment (2026-07-22): Received required RTC Buyer Comment (2026-07-17): RTC returned Reviewer Comment (2026-07-16): RTC [Redacted] shows Cancel date of [Redacted]. email stated borrower signed RTC states date of [Redacted] , Mailing label [Redacted] per [Redacted] tracking borrower has yet to get the package and is scheduled to be delivered [Redacted] Buyer Comment (2026-07-15): Good morning, can you please provide status? Thank you Buyer Comment (2026-07-14): RTC items sent to borrower. Email confirmation from borrower received and saying she does not wish to cancel. Reviewer Comment (2026-07-14): The RTC provided does not reflect a new rescission expiration date that is at least three-business days from when consumer receives the new rescission notice. The date on the copies provided is blank. Buyer Comment (2026-07-10): Please see the attached LOE-RTC Buyer Comment (2026-07-10): Please see the attached Buyer Comment (2026-07-10): Please see the attached (other) shipping label Buyer Comment (2026-07-10): Please see the attached shipping label Reviewer Comment (2026-07-10): Exception was escalated: If you review the "Failure Reasons" on the Compliance screen in [Redacted] for this exception, you will see that the reason for the exception is that the expiration date of [Redacted] is prior to the expected expiration date of [Redacted]. For purposes of rescission, a business day means all calendar days except [Redacted] and the legal public holidays specified in 5 U.S.C. 6103(a), such as New Year's Day, the Birthday of Martin Luther King, Jr., [Redact]'s Birthday, Memorial Day, Juneteenth National Independence Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day. There was a holiday on [Redacted], that does not count as a business day. The exception is being cited because the Rescission Notice has a rescission expiration of [Redacted] when the expiration date should be [Redacted]. This would give the borrower(s) one more day to rescind than they thought they had (despite the fact loan did not disburse until afterwards). [Redacted] has had numerous discussions with its outside counsel regarding the grading severity when using an inaccurate rescission expiration date, despite disbursement taking place at a later date. An inaccurate rescission expiration date would occur when the field is left blank altogether or reflects a date that is sooner than the third business day after the latest of three events named under the regulation (namely, (1) transaction date, (2) delivery of material disclosures, and (3) delivery of rescission notice). Counsel has consistently held that an inaccurate date should be cited as an EV3-C level exception having not met the requirement to disclose "clearly and conspicuous" under § 1026.23(b)(1). Exception can be cured through the reopening of rescission to ensure that the rescission possibility is extinguished. New rescission can be provided with Transaction Date of [Redacted] and a new rescission expiration date which must be at least three-business days from when consumer receives the new rescission notice. We would require proof of delivery as part of the cure to ensure the requisite three days have been given. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redact] | 10364602 | [Redact] | 37403094 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | [Redacted] shows Cancel date of [Redacted]. email stated borrower signed RTC states date of [Redacted] , Mailing label [Redacted] per [Redact] tracking borrower has yet to get the package and is scheduled to be delivered [Redacted] | Reviewer Comment (2026-07-22): Cure documentation received. Buyer Comment (2026-07-17): signed RTC uploaded. |
07/22/2026 | No | 2 | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| [Redact] | 10364602 | [Redact] | 37403095 | Compliance | Compliance | Federal Compliance | TILA | TILA Notice of Right to Cancel Expiration Date greater than Deal Start Date. | Rescission expiration date provided by lender on Notice of Right to Cancel has not expired as of time of review. | [Redacted] shows Cancel date of [Redacted]. email stated borrower signed [Redacted] states date of [Redacted] , Mailing label [Redacted] per [Redact] tracking borrower has yet to get the package and is scheduled to be delivered [Redacted] | Reviewer Comment (2026-07-22): Received required RTC Buyer Comment (2026-07-17): signed RTC |
07/22/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| [Redact] | 10364628 | [Redact] | 37403097 | 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 (2026-07-13): [Redacted] received COC dated [Redacted]. Buyer Comment (2026-07-10): CD attached Buyer Comment (2026-07-10): COC and [Redacted] CD |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10364628 | [Redact] | 37403099 | 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 (2026-07-13): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-07-10): CD Buyer Comment (2026-07-10): COC and [Redacted] CD |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10364628 | [Redact] | 37403102 | 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 (2026-07-13): Sufficient Cure Provided At Closing |
07/13/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| [Redact] | 10364622 | [Redact] | 37403110 | 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 (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10364622 | [Redact] | 37403112 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | The note reflects the property address as [Redacted]. The Insurance only reflects [Redacted]. | Reviewer Comment (2026-07-23): Updated Haz ins provided Buyer Comment (2026-07-21): hoi Buyer Comment (2026-07-16): This is very common in areas of [Redacted]. We will not be able to get the appraiser and HOI to change the address due to the [Redacted]showing [Redacted]. Title shows both, since the city is technically [Redacted], but in the [Redacted] area. We allow the documents to show either or both, since they are both correct. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10364622 | [Redact] | 37403113 | Credit | System | General | System | 1003 Subject Address does not match Note address. | The note reflects the property address as [Redacted]. The document only reflects [Redacted]. | Reviewer Comment (2026-07-16): Updated document provided Buyer Comment (2026-07-14): 1003 |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10364622 | [Redact] | 37403114 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | The note reflects the property address as [Redacted]. The document only reflects [Redacted]. | Reviewer Comment (2026-07-16): Updated document provided Buyer Comment (2026-07-14): flood |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10364622 | [Redact] | 37403115 | Credit | System | General | System | AUS/Approval Subject Address does not match Note address. | The note reflects the property address as [Redacted]. The document only reflects [Redacted]. | Reviewer Comment (2026-07-16): Updated document provided Buyer Comment (2026-07-14): approval |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10364622 | [Redact] | 37403116 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | The note reflects the property address as [Redacted]. The document only reflects [Redacted]. | Reviewer Comment (2026-07-21): Updated 1004 provided to match address to note Buyer Comment (2026-07-17): Appraiser updated it for us. Buyer Comment (2026-07-16): This is very common in areas of [Redacted]. We will not be able to get the appraiser and HOI to change the address due to the [Redacted]showing [Redacted]. Title shows both, since the city is technically [Redacted], but in the [Redacted] area. We allow the documents to show either or both, since they are both correct. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10364622 | [Redact] | 37403117 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | [Redacted] DTI is over [Redacted]% which requires [Redacted] months reserves per guides. It appears lender is not including several student loans in the DTI. | 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. 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. 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]%. |
Documentation Type: [Redacted]Bank Statement Disposable Income: $[Redacted] Loan to Value: [Redacted]% Guideline Maximum Loan to Value: [Redacted]% |
[Redact] Aggregator,[Redact] [Redact] [Redact] [Redact] [Redact] Aggregator,[Redact] |
Reviewer Comment (2026-08-14): Client elects to waive with compensating factors. Reviewer Comment (2026-08-14): Received lender exception approval for less than 12 months rserves with DTI above [Redacted]%. (Meets standard reserve requirements of [Redacted] months). Buyer Comment (2026-08-14): UW Exception. |
08/14/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10364614 | [Redact] | 37403120 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Waterfall due to reserves. | Reviewer Comment (2026-08-14): Cleared. Prior HOI insurance escrowed per mortgage statement. Invoice provided for current paid HOI. Reviewer Comment (2026-08-07): Borrower remains short funds for reserves. Received the paid invoice, however those funds cannot be used for reserves. Reviewer Comment (2026-07-16): Paid invoiced provided Buyer Comment (2026-07-14): Assets should be good with paid invoice uploaded, please clear. Buyer Comment (2026-07-14): paid invoice Reviewer Comment (2026-07-14): Verified assets are $[Redacted] which includes the cash back from closing and paid receipt for homeowner insurance. The receipt for the appraisal that was paid outside of closing is not located in the file. Buyer Comment (2026-07-10): Borrower received cash back at closing that should have exceeded the amount of reserves per the CD uploaded with the closing package: $[Redacted]* [Redacted] months = $[Redacted] |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10364614 | [Redact] | 37403121 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to reserves. | Reviewer Comment (2026-07-16): Paid invoice provided Buyer Comment (2026-07-14): please review and clear based on detailsof other condtitions. |
07/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10364614 | [Redact] | 37403122 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Proceeds are allowed to be used for the 3 months required reserves. However, after subtracting the POC charges listed on the Closing Disclosure, the borrower is short reserves. | Reviewer Comment (2026-07-16): Paid invoice provided Buyer Comment (2026-07-14): Should be good with reserves being met. please clear |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10364614 | [Redact] | 37403123 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Waterfall due to reserves. | Reviewer Comment (2026-07-16): Paid invoice provided Buyer Comment (2026-07-14): should be good with paid invoice uploaded, please clear. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10364614 | [Redact] | 37403124 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [Redacted]): Ability to Repay (Dodd-Frank [Redacted]): 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 reserves. | Reviewer Comment (2026-07-16): Paid invoice provided Buyer Comment (2026-07-14): Assets should be good with paid invoice uploaded, please clear. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10364614 | [Redact] | 37403125 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or [Redact]) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Loan transaction paid off a lender to lender mortgage. The H8 RTC form was used, however the H9 RTC form should have been used. Please provide the corrected RTC with a new rescission period (does not need to be signed), letter to borrower explaining the issue and the mailing label. Borrower must receive the Corrected package at least 3 business days prior to the new expiration date on the corrected RTC. | Reviewer Comment (2026-07-22): Cure documentation received. Buyer Comment (2026-07-21): DLVY Confirmation Buyer Comment (2026-07-20): see attached |
07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10364614 | [Redact] | 37403126 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Borrower remains short funds for reserves. | Reviewer Comment (2026-08-14): Cleared. Prior HOI insurance escrowed per mortgage statement. Invoice provided for current paid HOI. Buyer Comment (2026-08-13): HUD shows cash back is $[Redacted] |
08/14/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| [Redact] | 10364609 | [Redact] | 37403138 | 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 Closing Disclosure provided was the final, it was issued on same day as closing. | Reviewer Comment (2026-07-27): [Redacted] received [Redacted] CD received 3 business days prior to consummation. Buyer Comment (2026-07-24): see attached |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10364609 | [Redact] | 37403139 | 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 Origination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Origination Fee increased on Closing Disclosure issued [Redacted], with no change of circumstance provided. | Reviewer Comment (2026-07-27): [Redacted] Received Valid COC dated [Redacted] along with revised CD. Buyer Comment (2026-07-24): see attached |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10364609 | [Redact] | 37403140 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A gap credit report is not located in the file. | Reviewer Comment (2026-07-28): Document provided Buyer Comment (2026-07-24): see attached |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10364615 | [Redact] | 37403150 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Missing Employer Identification Number (EIN). | Reviewer Comment (2026-07-02): Received EIN. Cleared. Buyer Comment (2026-06-30): see attached |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10364637 | [Redact] | 37403156 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Missing Lease Agreement for [Redacted]. | Reviewer Comment (2026-08-07): Per [Redacted] at [Redacted], leases are not required. Reviewer Comment (2026-08-07): . Reviewer Comment (2026-07-16): Client elects to waive Buyer Comment (2026-07-14): Per UW. Mgr. This is a DSCR loan. A lease agreement is not required. The actual rent can be taken from the rent schedule in the appraisal. Can we please clear this condition. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10364637 | [Redact] | 37403158 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | There are indications in the file that the loan is an IO loan, however the note is not an IO term note. | Reviewer Comment (2026-07-29): Received lost note affidavit. Condition cleared. Reviewer Comment (2026-07-29): Received corrected note, however a lost note affidavit will be required for the original note used at closing. Reviewer Comment (2026-07-29): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Note P&I of $[Redacted] does not match Calculated P&I of $[Redacted] Buyer Comment (2026-07-28): Corrected note signed by borrower with [Redacted] ATTNY. Reviewer Comment (2026-07-23): Exception remains. duplicate Note provided. Note P&I of $[Redacted] does not match Calculated P&I of $[Redacted] Buyer Comment (2026-07-22): see attached Reviewer Comment (2026-07-22): Please provide correct note. Received 1st page of the duplicate note. Buyer Comment (2026-07-17): Correct note. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10364630 | [Redact] | 37403162 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Missing Lease Agreement. | Reviewer Comment (2026-07-08): Document provided [Redacted] Buyer Comment (2026-07-06): see attached |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10364630 | [Redact] | 37403163 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | Missing Lease Agreement. | Reviewer Comment (2026-07-08): Document provided [Redacted] Buyer Comment (2026-07-06): see attached |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10364604 | [Redact] | 37403167 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | The title commitment reflects two mortgages however the HUD-1 reflects only one payoff Please provide evidence that the mortgage for [Redacted] has been satisfied and will not have negative impact on final title policy. | Reviewer Comment (2026-07-10): Received correspondence from title that both liens will be removed from final title. Buyer Comment (2026-07-08): see attached email from title |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10364629 | [Redact] | 37403169 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Missing Lease Agreement for [Redacted] | Reviewer Comment (2026-07-29): Cleared. Lease agreement not required. Reviewer Comment (2026-07-16): Client elects to waive Buyer Comment (2026-07-14): This is a DSCR loan. A lease agreement is not required. The actual rent can be taken from the rent schedule in the appraisal. per our UW [Redacted] Reviewer Comment (2026-07-13): Received a lease for the subject, however it has expired. The appraiser indicates the leases are for [Redacted] months. Buyer Comment (2026-07-09): see attached |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10364629 | [Redact] | 37403170 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Missing Lease Agreement for [Redacted] | Reviewer Comment (2026-07-29): Cleared. Lease agreement not required. Reviewer Comment (2026-07-16): Client elects to waive Buyer Comment (2026-07-14): This is a DSCR loan. A lease agreement is not required. The actual rent can be taken from the rent schedule in the appraisal. per our UW [Redacted] Reviewer Comment (2026-07-13): Received a lease for the subject, however it has expired. The appraiser indicates the leases are for [Redacted] months. Buyer Comment (2026-07-09): see attached |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10364629 | [Redact] | 37403171 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | Missing Lease Agreements. | Reviewer Comment (2026-07-29): Cleared. Lease agreement not required. Reviewer Comment (2026-07-07): Duplicate |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10364629 | [Redact] | 37403173 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Estimated Settlement Statement provided. | Reviewer Comment (2026-07-13): Received final statement. Condition cleared Buyer Comment (2026-07-10): see attached |
07/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10364606 | [Redact] | 37403183 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | File is missing a copy of Lease Agreement | Reviewer Comment (2026-07-16): Cleared. Not required per lender update. Buyer Comment (2026-07-14): This is a DSCR loan. A lease agreement is not required. The actual rent can be taken from the rent schedule in the appraisal. I've attached the clarifying letter for future reference |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10364617 | [Redact] | 37403187 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Missing Articles of Organization/Formation. | Reviewer Comment (2026-07-17): Cleared. Received document. Buyer Comment (2026-07-15): see attached |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10364617 | [Redact] | 37403188 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Missing Certificate of Good Standing. | Reviewer Comment (2026-07-17): . Reviewer Comment (2026-07-17): Cleared. Received document. Buyer Comment (2026-07-15): see attached |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10364617 | [Redact] | 37403189 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The file was missing Corporate Resolution. | Reviewer Comment (2026-07-21): Cleared all LLC documents provided Buyer Comment (2026-07-20): this is LLC and only requires OP agreement, please clear |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10364617 | [Redact] | 37403190 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Missing Employer Identification Number (EIN). | Reviewer Comment (2026-07-21): EIN provided Buyer Comment (2026-07-17): see attached Reviewer Comment (2026-07-17): The EIN document was not provided. Buyer Comment (2026-07-15): see attached |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10364617 | [Redact] | 37403191 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-07-17): Cleared. Received document. Buyer Comment (2026-07-15): see attached |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | N/A | No | |||||||||||||||
| [Redact] | 10364617 | [Redact] | 37403192 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Missing OFAC. | Reviewer Comment (2026-07-17): Cleared. Received document. Buyer Comment (2026-07-15): see attached |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10364617 | [Redact] | 37403193 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The file was missing Operating Agreement. | Reviewer Comment (2026-07-17): Cleared. Received document. Buyer Comment (2026-07-15): see attached |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10364617 | [Redact] | 37403194 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Missing Purchase Agreement / Sales Contract. | Reviewer Comment (2026-07-17): Cleared. Received document. Buyer Comment (2026-07-15): see attached |
07/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10364617 | [Redact] | 37403195 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | The file was missing Verification of Identification. | Reviewer Comment (2026-07-17): Cleared. Received document. Buyer Comment (2026-07-15): see attached |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10364617 | [Redact] | 37403196 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Reviewer Comment (2026-07-17): Cleared. Received document. Buyer Comment (2026-07-15): see attached |
07/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | N/A | No | |||||||||||||||
| [Redact] | 10364617 | [Redact] | 37403197 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) [Redacted]. | Reviewer Comment (2026-07-17): Cleared. Received document. Buyer Comment (2026-07-15): DSCR = 1007 2000/ PITIA $[Redacted] DSCR = [Redacted] |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10364617 | [Redact] | 37403198 | 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]. | Reviewer Comment (2026-07-17): Cleared. Received asset statements. Buyer Comment (2026-07-15): see attached |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10364617 | [Redact] | 37403200 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-07-17): Cleared. Received asset statements. Buyer Comment (2026-07-15): see attached |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10364617 | [Redact] | 37403202 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Reviewer Comment (2026-07-17): Cleared. Received document. Buyer Comment (2026-07-15): see attached |
07/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | N/A | No | |||||||||||||||
| [Redact] | 10364617 | [Redact] | 37403203 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Reviewer Comment (2026-07-17): Cleared. Received document. Buyer Comment (2026-07-15): see attached |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10364617 | [Redact] | 37403204 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property | - | Reviewer Comment (2026-07-17): Cleared. Received document. Buyer Comment (2026-07-15): 1007 |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10364617 | [Redact] | 37403205 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-07-21): CDA provided Buyer Comment (2026-07-17): see attached |
07/21/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||||||||
| [Redact] | 10451242 | [Redact] | [Redact] | 37403337 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-28): Waived on Rate Lock: Collateral cleared by Custodian |
09/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358786 | [Redact] | 37404145 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet detailing the DSCR calculation is missing | Reviewer Comment (2026-04-23): Received DSCR Calculation Worksheet. Exception cleared. Buyer Comment (2026-04-22): dscr worksheet |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358786 | [Redact] | 37404146 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Business funds account # [Redacted] and [Redacted] : allowed for cash-to-close and required reserves. if ownership ≥ [Redacted]% , verified; non-borrowing owners must consent (If any). The ownership percentage must be verified by certified public accountant (CPA)/tax preparer, operating agreement or equivalent. | Reviewer Comment (2026-05-07): Received account authorization. Buyer Comment (2026-05-05): Access letter Reviewer Comment (2026-04-29): Received Operating agreement confirming the ownership as [Redacted] each for both members. However as per guide, Business funds: allowed for cash-to-close and required reserves provided ownership should be ≥ 51% and Consent from non-borrowing owners with regards to full access to the business funds. Exception remains. Buyer Comment (2026-04-28): operating agreement |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358786 | [Redact] | 37404148 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Signed and executed copy BPC is missing | Reviewer Comment (2026-04-21): Received Initialed, signed and notarized Business Purpose Certificate. Exception cleared. Buyer Comment (2026-04-20): BPC |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358803 | [Redact] | 37404150 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Business Account Number: [Redacted] & [Redacted]: The company's CPA or licensed tax preparer provides a statement verifying ownership percentage. Operating Agreement not provided. If required non-borrowing owners must consent. | Reviewer Comment (2026-05-04): Received Operating agreement confirming borrower as the sole owner of the LLC. Exception Cleared. Buyer Comment (2026-05-01): Operating Agreement |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10358803 | [Redact] | 37404154 | Credit | Credit | Credit Documentation | Credit | Background check is missing. | - | Fraud report not in file for entity. The entity was not included and screened as a transaction participant on the fraud report obtained for the borrower(s) / guarantor(s). | Reviewer Comment (2026-04-27): Entity Fraud report is provided in file. Exception Cleared Buyer Comment (2026-04-23): Fraud Report |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10358799 | [Redact] | 37404156 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Require Updated Business Purpose Certificate as the available document reflects the borrower may intend to occupy the property for a short period (14 days). Correct purpose form not provided. | Reviewer Comment (2026-05-04): Received Signed Business Purpose Certificate. Exception cleared. Buyer Comment (2026-04-30): BPA |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358799 | [Redact] | 37404157 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Updated Master Policy is required as it expired within 30 days of the closing date and states 'walls-out'. | Reviewer Comment (2026-05-07): Received Master Policy valid until [Redacted]. Exception cleared. Buyer Comment (2026-05-05): Master Policy |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358799 | [Redact] | 37404158 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Signed Prepayment Addendum was not found in file. | Reviewer Comment (2026-05-04): Received Signed Note Addendum - Prepayment. Exception cleared. Buyer Comment (2026-04-30): Addendum |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | Yes | ||||||||||||
| [Redact] | 10358831 | [Redact] | 37404159 | Property | Valuation | Valuation Issue | Valuation | [Redact] program guidelines require a CDA (Desk Review) | The file is missing a copy of the secondary valuation required for securitization purposes. As per guidelines, Collateral Desktop Analysis (CDA) or Appraisal Risk Review (ARR) is required on all loan transactions that do not include two appraisals. | Reviewer Comment (2026-05-05): CDA received to support the appraisal value. Exception cleared. Buyer Comment (2026-05-04): Please see attached CDA. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10358831 | [Redact] | 37404161 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing in file. | Reviewer Comment (2026-05-05): 1008 with DSCR calculation received. Exception cleared. Buyer Comment (2026-05-04): Please see attached revised 1008 with correct DSCR calculation. Reviewer Comment (2026-04-30): Received 1008 detailing DSCR Calculation. However lender has considered $[Redacted] as rent for qualification and as per lease agreement rent is $[Redacted] and market rent is $[Redacted]. Lease rent is lower than market rent. Therefore for DSCR calculation lease rent to be considered. Provide corrected DSCR worksheet with updated DSCR Calculation. Exception remains. Buyer Comment (2026-04-29): Please see attached. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10358831 | [Redact] | 37404162 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding ADUs. | Confirm Unpermitted ADU meets all applicable zoning laws and regulations and that it will not impair the ability to file future hazard insurance claims. | Reviewer Comment (2026-05-05): Received Revised appraisal with appraisers comment stating ADU meets all applicable zoning laws and regulations and that it will not impair the ability to file future hazard insurance claims. and meets all zoning laws. Exception cleared. Buyer Comment (2026-05-01): Please see attached revised appraisal. Reviewer Comment (2026-04-30): Noted. Nothing is attached exception 1008. Exception remains. Buyer Comment (2026-04-29): Disregard Buyer Comment (2026-04-29): Please see attached. |
05/05/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | C | A | N/A | No | |||||||||||||||||
| [Redact] | 10358797 | [Redact] | 37404163 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note: Late charge percentage exceeds maximum per state. | Buyer Comment (2026-04-29): Acknowledged non-material EV2 |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358797 | [Redact] | 37404164 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Flood Cert address: [Redacted]. Title address: [Redacted]. | Reviewer Comment (2026-05-06): Revised Flood cert with updated address received. Exception cleared. Buyer Comment (2026-05-04): Flood Cert |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358815 | [Redact] | 37404166 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-04-29): Acknowledged non-material EV2 |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358787 | [Redact] | 37404168 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance covering a minimum of [Redacted] months is required for the subject property and was not provided. 1008 Addendum reflects [Redacted]%. | Reviewer Comment (2026-05-06): Received HOI Document confirm rent loss coverage not to exceed 12 months or [Redacted]% of Coverage A. Considered Conservative approach of 12 months. Exception cleared. Buyer Comment (2026-05-04): REBUTTAL - COVERAGE |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358800 | [Redact] | 37404172 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report not in file for entity nor was entity referenced on the loan participant list. | Reviewer Comment (2026-05-05): Received Fraud report with entity name as a participant in the watch list. Exception cleared. Buyer Comment (2026-05-04): Fraud Report |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358784 | [Redact] | 37404175 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing. | Reviewer Comment (2026-05-07): Received DSCR Calculation Worksheet. Exception cleared. Buyer Comment (2026-05-06): Calculation |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358784 | [Redact] | 37404176 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Tax Certificate for subject property is missing. | Reviewer Comment (2026-05-07): Received Tax Certificate. Exception Cleared. Buyer Comment (2026-05-05): Tax Cert |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358774 | [Redact] | 37404182 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity [Redacted]. | Reviewer Comment (2026-04-29): Receive Watchlist with Entity as a participant on the fraud report. Exception cleared. Buyer Comment (2026-04-28): mortgage participant report |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358774 | [Redact] | 37404183 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Require updated 1004 and CDA to reflect correct address as per Title "[Redacted]" instead of "[Redacted]" | Reviewer Comment (2026-05-13): Received revised appraisal and CDA with address corrected. Exception cleared. Buyer Comment (2026-05-11): appraisal and CDA Reviewer Comment (2026-04-28): Received Appraisal report with address updated as "[Redacted]" instead of "[Redacted]". Provide corrected Appraisal report and CDA with address updated as per title and Note. Exception remains. Buyer Comment (2026-04-27): updated appraisal with address reflected as [Redacted] |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10358774 | [Redact] | 37404184 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Require updated HOI to reflect correct address as per Title "[Redacted]" instead of "[Redacted]" | Reviewer Comment (2026-04-14): Received corrected HOI policy with updated address. Exception cleared. Buyer Comment (2026-04-13): updated HOI |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358774 | [Redact] | 37404185 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Require updated Flood Certificate to reflect correct address as per Title "[Redacted]" instead of "[Redacted]" | Reviewer Comment (2026-05-07): Flood cert provided Buyer Comment (2026-05-06): Updated flood cert Reviewer Comment (2026-04-28): Received Flood Cert with address updated as "[Redacted]" instead of "[Redacted]" that matches the title and Note. Provide corrected flood cert with updated address. Exception remains. Buyer Comment (2026-04-27): updated flood policy reflecting address as [Redacted] |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358774 | [Redact] | 37404186 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Require Tax Certificate for the subject property. | Reviewer Comment (2026-04-03): Received Tax amount from title commitment. Exception cleared. Buyer Comment (2026-04-01): per lender: Taxes are shown in preliminary title report, Sch B #[Redacted]and #[Redacted] |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358774 | [Redact] | 37404187 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Require Certificate of Good Standing - Dated within 90 days of the note. | Reviewer Comment (2026-04-14): Received Certificate of Good Standing. Exception Cleared Buyer Comment (2026-04-13): certificate of good standing |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358774 | [Redact] | 37404188 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding prepayment penalty / terms. | Client requested. Lender submitted prepayment structure that does not meet program requirements. Transaction requires Document correction or Buyer Exception. Please contact your assigned Client Advocate for Buyer exception review. (Document cure: Corrected, signed addendum and rider matching the locked prepayment structure, Letter of intent to re-record, and signed attestation letter to destroy the incorrect addendum. Corrected PCCD and LOE to consumer if applicable. | Reviewer Comment (2026-04-06): Client now accepts. Buyer Comment (2026-04-06): Please cancel. This loan was locked to [Redacted] program with separate requrements than [Redacted]. [Redacted]% fixed is allowed. |
04/06/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10358794 | [Redact] | 37404191 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Title reflects Zip code as "[Redacted]" However HOI reflects "[Redacted]" Lender to ensure all required documents match property address reflected on title report. |
Reviewer Comment (2026-05-11): The lender accepts the property description. Buyer Comment (2026-05-07): Please see the amended title. Attorney indicated he had to add the zip code (on note/mortgage) on title indicated 'a/k/a'. Please see the email communication. Please accept as the condition called for amended title. Thank you. Buyer Comment (2026-05-07): Lender's response: Please see the amended title. Attorney indicated he had to add the zip code (on note/mortgage) on title indicated 'a/k/a'. Please see the email communication. Please accept as the condition called for amended title. Thank you. |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358794 | [Redact] | 37404193 | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. | Zip code discrepancy - Title reflects Zip code as "[Redacted]" However Other docs (Note, SI, HOI etc) reflects as "[Redacted]" and appraisal, Flood cert, CDA reflects as "[Redacted]" The address discrepancy must be resolved by updating the required documents or amending the title, or obtaining client acceptance to proceed as is. | Reviewer Comment (2026-05-11): The lender accepts the property description. Buyer Comment (2026-05-07): Title Buyer Comment (2026-05-07): Lender's response: Please see the amended title. Attorney indicated he had to add the zip code (on note/mortgage) on title indicated 'a/k/a'. Please see the email communication. Please accept as the condition called for amended title. Thank you. |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358794 | [Redact] | 37404194 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The loan file must include a Loan Approval indicating the loan is DSCR and a DSCR Calculation Worksheet detailing the DSCR calculation. |
Reviewer Comment (2026-04-28): Received DSCR Calculation Worksheet. Exception cleared. Buyer Comment (2026-04-27): LOX with DSCR calculations Buyer Comment (2026-04-27): Loan Approval |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358780 | [Redact] | 37404195 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-05-08): Received Final Title Policy with Municipal Liens reflecting on Sch B (Section 1) been removed. Exception cleared. |
05/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10358780 | [Redact] | 37404196 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Loan cited as having Title Schedule B exceptions | Multiple municipal liens reflecting on the title report. Small amount much lower than title reflects paid at closing, revised title or attestation from title insurer all water (municipal liens) satisfied at closing. | Reviewer Comment (2026-05-08): Received Final Title Policy with Municipal Liens reflecting on Sch B (Section 1) been removed. Exception cleared. Buyer Comment (2026-05-07): Please see final title report Buyer Comment (2026-05-06): Please disregard LOX upload. [Redacted] Buyer Comment (2026-05-06): Please see email from the settlement co. Reviewer Comment (2026-05-01): Noted. Received the same title commitment with a snip of email correspondence confirming the liens reflecting on title commitment will be not be reflecting as exception on final title policy. Provide complete email correspondence from title company confirming the same. Exception remains. Buyer Comment (2026-04-30): LOX Buyer Comment (2026-04-30): Please see uw cert and updated title |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358789 | [Redact] | 37404198 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Available Operating Agreement is not signed, hence require updated signed operating agreement. | Reviewer Comment (2026-05-11): Received Executed Operating agreement. Exception cleared. Buyer Comment (2026-05-07): signed operating agreement |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358789 | [Redact] | 37404199 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-04-27): Acknowledged non material |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358789 | [Redact] | 37404200 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing. | Reviewer Comment (2026-05-01): Received DSCR Calculation Worksheet. Exception cleared. Buyer Comment (2026-05-01): DSCR worksheet |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358789 | [Redact] | 37404201 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Missing Fraud Report for the entity. | Reviewer Comment (2026-05-06): Entity was recently formed as per the Certificate of good standing therefore report with no records found provide for entity. Exception cleared. Buyer Comment (2026-05-04): [Redacted] no record found |
05/06/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10358782 | [Redact] | 37404205 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | The Judgment on the title against [Redacted] has been paid in full, title report to reflect same with intent to release from final title policy. | Reviewer Comment (2026-05-08): Satisfaction of judgment is provided. Exception Cleared Buyer Comment (2026-05-06): satisfaction of judgment Buyer Comment (2026-05-06): email stating that the judgement will be removed from the final title policy |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358801 | [Redact] | 37404206 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | CDA noted city name [Redacted] whereas title report noted [Redacted]. Require Lender to ensure all required documents match property address reflected on title report. | Reviewer Comment (2026-05-08): Received CDA with Updated city name of the address. Exception cleared. Buyer Comment (2026-05-06): CDA |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10358822 | [Redact] | 37404208 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The loan file must include a Loan Approval indicating the loan is DSCR and a DSCR Calculation Worksheet detailing the DSCR calculation. | Reviewer Comment (2026-05-14): Received DSCR Calculation Worksheet. Exception cleared. Buyer Comment (2026-05-12): DSCR worksheet |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Purchase | D | B | D | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358822 | [Redact] | 37404210 | Credit | Asset | Asset Eligibility | Asset | Guideline Issue: Seller concessions exceeds the amount allowed per credit guidelines | [Redacted]% seller concessions > [Redacted]% maximum allowed per guidelines. Fees paid by Seller in Section A were included. Client to review for acceptability. | 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. |
[Redacted] vs [Redacted] | [Redact],Aggregator [Redact] [Redact] |
Reviewer Comment (2026-05-11): Investor accepts and agrees to waive with compensating factors. Buyer Comment (2026-05-11): Exception from [Redacted]. Reviewer Comment (2026-05-07): From the [Redacted] guidelines- The maximum amount of allowable Interested Party Contribution (IPC) is [Redacted]%, based on the lesser of the sales price or the appraised value, and cannot exceed the actual amount of closing costs and prepaids. IPCs are costs that are normally the responsibility of the property purchaser that are paid directly or indirectly by someone else who has a financial interest in or can influence the terms of the sale or transfer of the subject property. Buyer Comment (2026-05-05): per lender : Please let me know how you would like us to cure this deficiency. Want to be sure it will satisfy your guidelines. Reviewer Comment (2026-05-04): Updated: IPC is re-calculated at [Redacted]% . Section A, seller paid warranty and seller credit were included. |
05/11/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | D | B | D | B | A | A | A | A | N/A | No | |||||||||
| [Redact] | 10358822 | [Redact] | 37404211 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Business Purpose Certificate provided is not notarized. | Reviewer Comment (2026-05-07): Received the notarized BPC copy. Buyer Comment (2026-05-05): notarized bpc |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | B | D | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358817 | [Redact] | 37404212 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit | - | Valuation effective date or report date is more than [Redacted] days prior to the note date. As per Guide appraisal requirement: Be dated no more than [Redacted] days prior to the note date. If over 120 days, a 1004D appraisal (or Agency UAD [Redacted] equivalent) update is required. The effective date of the appraisal is [Redacted]. | Reviewer Comment (2026-05-13): A recertification of value was provided. Buyer Comment (2026-05-11): Recert of Value |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10358817 | [Redact] | 37404213 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance covering a minimum of [Redacted] months is required for the subject property. | Reviewer Comment (2026-05-07): Rent loss provided. Buyer Comment (2026-05-06): Hazard Policy includes Fair Rental Value which is Rent Loss Coverage. See page [Redacted] for coverage. |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358826 | [Redact] | 37404216 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A CDA is required with 1 appraisal. Missing CDA. | Reviewer Comment (2026-05-15): Received CDA that supports the appraisal value. Exception Cleared. Buyer Comment (2026-05-13): CDA |
05/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | A | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10358813 | [Redact] | 37404217 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-05-06): Acknowledged non-material EV2 |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | D | B | A | A | B | B | D | A | N/A | No | ||||||||||||
| [Redact] | 10358813 | [Redact] | 37404218 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For loans that do not include 2 appraisals, the seller must obtain one of the following: Collateral Desktop Analysis (CDA) from [Redacted], or Appraisal Risk Review (ARR) from [Redacted]" | Reviewer Comment (2026-05-15): Received CDA supporting the appraisal value. Exception cleared. Buyer Comment (2026-05-13): CDA |
05/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | B | A | A | B | B | D | A | N/A | No | ||||||||||||
| [Redact] | 10358806 | [Redact] | 37404220 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report not in file for entity nor was entity referenced on the loan participant list. | Reviewer Comment (2026-05-14): Fraud report received with entity name as a participant. Exception cleared. Buyer Comment (2026-05-12): Entity fraud report |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358843 | [Redact] | 37404232 | Property | Valuation | Valuation Issue | Valuation | [Redact] program guidelines require a CDA (Desk Review) | The file is missing a copy of the secondary valuation required for securitization purposes. CDA required with 1 appraisal. | Reviewer Comment (2026-05-07): Received CDA to support the appraisal value. Exception cleared. Buyer Comment (2026-05-05): CDA |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10358843 | [Redact] | 37404233 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Project approval states 'Not certified by Lender' and 'No Fannie Mae Review'. The file is missing a document from Lender confirming that the project is approved by lender/FNMA. | Reviewer Comment (2026-05-07): Lender certification for warrantable condo received. Exception Cleared. Buyer Comment (2026-05-06): UW attestation Reviewer Comment (2026-05-04): Noted. Provide project approval for Condo Warranty. Project approval provided is neither reviewed by Fannie Mae or Certified by Lender. Provide Lender certification confirming Condo been warrantable. Exception remains. Buyer Comment (2026-05-01): per seller: They are not FNMA approved - but we have met the limited review requirements, FNMA did not have any requirements, |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | A | A | C | A | N/A | No | |||||||||||
| [Redact] | 10358843 | [Redact] | 37404235 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The loan file must include a Loan Approval indicating the loan is DSCR and a DSCR Calculation Worksheet detailing the DSCR calculation. Subject to further review to determine if short term rental income present or using vacancy method and if all requirements are met such as: For condominiums, written confirmation is required to verify short-term rentals are permitted and short-term rentals must comply with all applicable local ordinances.. | Reviewer Comment (2026-05-05): Received 1008 with DSCR calculation. Exception cleared. Buyer Comment (2026-05-01): city and county of [Redacted], what is short term rentals print out Buyer Comment (2026-05-01): MAP Buyer Comment (2026-05-01): Condo project se[Redacted] Buyer Comment (2026-05-01): hoa limited review questionnaire Buyer Comment (2026-05-01): Per seller: Properties are within city ordinances, property is not considered a STR per the city of [Redacted] due to having a minimum of 30 days for rentals per their website. Also the properties are a limited review due to LTV and we have attached limited review questionnaire supporting. Buyer Comment (2026-05-01): 1008 showing the DSCR calculation on the comment section |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10358843 | [Redact] | 37404236 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | A Closing Protection Letter is required as per guide. | Reviewer Comment (2026-05-07): Received Closing Protection Letter. Exception cleared. Buyer Comment (2026-05-06): updated address on cpl Reviewer Comment (2026-05-05): Received Closing Protection Letter with Unit number on the address updated as [Redacted] instead of Unit [Redacted]. Provide corrected Closing Protection Letter with address updated as "[Redacted]". Exception remains. Buyer Comment (2026-05-01): cpl |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10358843 | [Redact] | 37404237 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | As per Guide, housing payment history must be documented and evaluated in all cases for the borrower's primary residence and the subject property on refinance transactions. Primary - [Redacted] #[Redacted] - DLA [Redacted]. Missing the most recent [Redacted] months payment history. Subject - 1 month Mortgage statement provided for [Redacted] #[Redacted], missing the most recent [Redacted] months history. | Reviewer Comment (2026-05-11): Received Closing statement confirming the loan with [Redacted] #[Redacted]was paid in [Redacted] and Primary residence is now on reverse mortgage where the borrower is no longer making any payments on the property. Exception cleared. Buyer Comment (2026-05-07): settlement statement Buyer Comment (2026-05-07): per seller: We have been reiterating that the primary residence is in a reverse mortgage. The attached property profile reflects mortgage was released and paid in [Redacted]. Attached is the final settlement statement dated [Redacted] showing [Redacted] was paid off. Reviewer Comment (2026-05-07): Received Payment history Bank statement showing withdrawal and check for [Redacted] Mortgage #[Redacted] from [Redacted] [Redacted] - [Redacted]. VOM / Housing payment history for 12 months required as per [Redacted] guide is required for Mortgage with [Redacted] #[Redacted] (Primary Residence - [Redacted] " for 12 months Until [Redacted] [Redacted] . Exception remains Buyer Comment (2026-05-06): Per seller: Please be advised that the primary is on a reverse mortgage, and attached is 12 months payment history for [Redacted] - [Redacted] bank statements from [Redacted] to [Redacted]. Reviewer Comment (2026-05-04): Received Bank statement for [Redacted] - [Redacted]. VOM / Mortgage payment history to be verified for Mortgage with [Redacted] #[Redacted] For 12 months Until [Redacted] for primary residence. Secondly VOM / Mortgage payment history to be verified for subject property Mortgage with [Redacted] Mortgage #[Redacted] for 12 months until [Redacted]. Exception remains. Buyer Comment (2026-05-01): bank statement |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10358843 | [Redact] | 37404238 | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. | The Title reflects the address as "[Redacted]" whereas other documents in the loan package reflect "[Redacted]" The address discrepancy must be resolved by updating required documents, amending the title, or obtaining client acceptance to proceed as is. | Reviewer Comment (2026-05-05): Received Title Commitment with updated address. Exception cleared. Buyer Comment (2026-05-02): Title showing the address that matching the DEED and The NOTE |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10358805 | [Redact] | 37404241 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. Shortfall of dwelling amount should meet FNMA requirements | Reviewer Comment (2026-05-20): Guaranteed provided. Buyer Comment (2026-05-20): HOI 100% Guaranteed Replacement Cost on Dwelling added to the binder page. Reviewer Comment (2026-05-07): HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] ([Redacted]% of Estimated Cost new) OR provide copy of insurer's replacement cost estimate supporting the shortfall. Exception remains. Buyer Comment (2026-05-06): hoi Buyer Comment (2026-05-06): per seller: Loan Amount [Redacted] // Dwelling is $[Redacted] and policy states "[Redacted]% replacement cost" Insurance has sufficient coverage |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358805 | [Redact] | 37404242 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-04-30): Acknowledged non material |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358805 | [Redact] | 37404243 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. | Investment property is provided on 1003. However, property [Redacted] is sold per Final 1003 and unable to verify [Redacted] months ownership interest. | Reviewer Comment (2026-05-13): Previous Lease agreements provided for experience level. Buyer Comment (2026-05-11): lease agreement, leased from [Redacted] Buyer Comment (2026-05-11): proof the borrower owns [Redacted]. via Deed (attached on page [Redacted] since [Redacted]) |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358820 | [Redact] | 37404244 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-05-05): Acknowledged non material |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358820 | [Redact] | 37404245 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-05-19): Received RCE to cover the shortfall. Exception Cleared. Buyer Comment (2026-05-18): RCE |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358814 | [Redact] | 37404246 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing for subject property. | Reviewer Comment (2026-05-20): Dwelling coverage on the HOI policy covers the loan amount and meets the FNMA requirement (AMF Requirement and FNMA requirements are the same). Exception cleared. Buyer Comment (2026-05-18): per lender : [Redacted] attached > disagree with dwelling assessment. PG 4 and PG 5 identify additional/extended coverage included [Redacted]. Meets guideline. Please re-review Reviewer Comment (2026-05-15): There is a shortfall of $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] ([Redacted]% of Estimated Cost new) OR provide copy of insurer's replacement cost estimate supporting the shortfall amount along with address updated. Exception remains. Buyer Comment (2026-05-13): Hazard |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358814 | [Redact] | 37404247 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-05-06): Acknowledged non-material EV2 |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358808 | [Redact] | 37404251 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report is missing for borrower. | Reviewer Comment (2026-05-14): Fraud report is provided for borrower. Exception Cleared Buyer Comment (2026-05-13): fraud |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10358808 | [Redact] | 37404252 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | OFAC verification is missing for borrower. | Reviewer Comment (2026-05-14): Fraud report is provided for borrower. Exception Cleared Buyer Comment (2026-05-13): See fraud upload [Redacted] |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10358808 | [Redact] | 37404253 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-05-06): Acknowledged non-material EV2 |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358808 | [Redact] | 37404254 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Per guideline, rent-free letters must be provided by both the borrower and the individual providing housing. Borrower signature is missing. | Reviewer Comment (2026-05-20): Received updated copy of Rent-free letter signed by both the borrower and the individual providing housing, Exception Cleared. Buyer Comment (2026-05-18): Rent free Reviewer Comment (2026-05-08): Noted. As per [Redacted] guidelines page [Redacted] of [Redacted] States rent-free letters must be provided by both the borrower and the individual providing housing. Provided rent free letter has individual providing housing signed and Borrower signature is missing. Exception remains. Buyer Comment (2026-05-06): Not required - Seller Guide 9.4 - If the borrower/guarantor is living rent free or without a complete 12-month housing history, then they are allowed subject to clearance of any occupancy concerns and the borrower/guarantor meets the experienced investor criteria. |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358808 | [Redact] | 37404256 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | Source of large deposit is missing for $[Redacted] dated [Redacted] on [Redacted] # [Redacted]. | Reviewer Comment (2026-05-14): Source of large deposit is provided for $[Redacted] dated [Redacted] on [Redacted]account # [Redacted]. Exception Cleared Buyer Comment (2026-05-12): Deposit source |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358841 | [Redact] | 37404257 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note: Late charge percentage exceeds maximum per state. | Buyer Comment (2026-05-06): Acknowledged non-material EV2 |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358841 | [Redact] | 37404258 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Title Report noted Zip code [Redacted], whereas HOI policy noted address [Redacted]. Lender to ensure all required documents match property address reflected on title report. | Reviewer Comment (2026-05-18): Hazard Insurance policy is provided with correct zip code. Exception Cleared Buyer Comment (2026-05-14): insurance |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358841 | [Redact] | 37404259 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Borrower has Open Judgment [Redacted] $[Redacted]. Per attorney LOX, it does not belong to borrower and will be omitted via Judgment Not Me Affidavit; however, no signed affidavit was provided. Other [Redacted] and [Redacted] judgments have been paid through subject closing. Title to confirm not applicable. | Reviewer Comment (2026-05-14): As per Final Title policy, the Judgment has been omitted $[Redacted]. Exception Cleared Buyer Comment (2026-05-12): final policy included with package |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358807 | [Redact] | 37404261 | Credit | Credit | Credit Documentation | Credit | Background check is missing. | - | Fraud report not in file for entity, nor was entity referenced on the loan participant list. | Reviewer Comment (2026-05-13): Received Fraud report with entity as Participant. Exception cleared. Buyer Comment (2026-05-12): fraud report |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10358807 | [Redact] | 37404263 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted], or provide copy of insurer's replacement cost estimate supporting current coverage amount. Shortfall of dwelling amount should meet FNMA requirements. | Reviewer Comment (2026-05-18): As per guide, dwelling amount is sufficient to cover the loan amount. Exception Cleared Buyer Comment (2026-05-14): LOX |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358807 | [Redact] | 37404264 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Business Purpose Certificate is missing in file. | Reviewer Comment (2026-05-13): Received Business Purpose Certificate. Exception Cleared. Buyer Comment (2026-05-11): page 1 and 2 of BPC |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358802 | [Redact] | 37404273 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity [Redacted], | Reviewer Comment (2026-04-23): Received Fraud report stating no records found since newly formed entity. Exception cleared. Buyer Comment (2026-04-22): [Redacted] screenshot Buyer Comment (2026-04-22): LOE |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358802 | [Redact] | 37404276 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | CDA address reflect as "[Redacted]" and title reflect address as "[Redacted]" Require updated CDA to match address as per Title. | Reviewer Comment (2026-05-28): LOE and appraisal provided. Buyer Comment (2026-05-26): LOE and appraisal Reviewer Comment (2026-04-23): Received CDA with updated address however OA comments states the market appears to be decreasing and the price level is also decreasing. Provide updated appraisal with primary appraiser to address the market declining trend reporting on CDA. Exception remains. Buyer Comment (2026-04-22): CDA |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10358802 | [Redact] | 37404277 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of Non-US Citizen Status is missing. Require Permanent Resident alien card for both the borrowers. | Reviewer Comment (2026-05-28): I-797A provided Buyer Comment (2026-05-28): I-797A for [Redacted] valid until [Redacted] Reviewer Comment (2026-04-28): Received Visa I-797A for [Redacted] valid until [Redacted]. However Verification of Non-US Citizen Status for [Redacted] is still missing. Exception remains. Buyer Comment (2026-04-24): H1B |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358802 | [Redact] | 37404278 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | As per Lender exception - Rural Properties: Reduce allowable LTV by [Redacted]%. ** Exception to waive the required [Redacted]% LTV reduction for rural properties and allow the maximum purchase transaction LTV of [Redacted]%. All other rural property guidelines and requirements must be met. Compensating Factors: [Redacted] months reserves with program minimum of 3 mo. [Redacted] qualifying FICO with program minimum of [Redacted]. [Redacted] DSCR with program minimum of [Redacted]. Experienced real estate investor. Subject property located adjacent to and serving as a gateway to [Redacted]. Tourist and recreational destination with a strong rental / vacation rental market. Comparable sale and rental comps located within [Redacted] miles of subject. |
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. |
[Redact] [Redact] [Redact] |
Reviewer Comment (2026-04-20): Investor exception provided. Buyer Comment (2026-04-16): exception approval on page [Redacted], all other rural property guidelines and requirements are met. |
04/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||||
| [Redact] | 10358829 | [Redact] | 37404280 | Property | Valuation | Valuation Issue | Valuation | [Redact] program guidelines require a CDA (Desk Review) | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-05-07): CDA received to support the appraisal value. Exception cleared. Buyer Comment (2026-05-05): CDA |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | B | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10358829 | [Redact] | 37404282 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File is missing a document from Lender confirming condo warrantability. | Reviewer Comment (2026-05-07): Lender certification for warrantable condo received. Exception Cleared. Buyer Comment (2026-05-05): Lender Attestation |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | B | A | C | A | N/A | No | |||||||||||
| [Redact] | 10358829 | [Redact] | 37404283 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The loan file must include a Loan Approval indicating the loan is DSCR and a DSCR Calculation Worksheet detailing the DSCR calculation. Subject to further review to determine if short term rental income present or using vacancy method and if all requirements are met such as: For condominiums, written confirmation is required to verify short-term rentals are permitted and short-term rentals must comply with all applicable local ordinances.. | Reviewer Comment (2026-05-01): Received 1008 with DSCR calculation. Exception cleared. Buyer Comment (2026-04-30): Per Lender: Properties are within city ordinances, property is not considered a STR per the city of [Redacted] due to having a minimum of 30 days for rentals per their website. Also the properties are a limited review due to LTV and we have attached limited review questionnaire supporting. Buyer Comment (2026-04-30): Short term rental docs and 1008 |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | B | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10358829 | [Redact] | 37404284 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter required as per guide. | Reviewer Comment (2026-05-01): Received Closing Protection Letter. Exception cleared. Buyer Comment (2026-04-30): CPL |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | B | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10358829 | [Redact] | 37404285 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | As per Guide - Housing payment history must be documented and evaluated in all cases for the borrower's primary residence and the subject property on refinance transactions. Primary - [Redacted] #[Redacted] - DLA [Redacted]. Missing the most recent [Redacted] months payment history. Subject - 1 month Mortgage statement provided for [Redacted] #[Redacted], missing the most recent 12 months history. | Reviewer Comment (2026-05-13): Received closing statement dated[Redacted] where Mortgage with [Redacted] was paid in full and the Mortgage on primary residence is a reverse mortgage. Hence no payment are due. Secondly Bank statement for [Redacted] and [Redacted] [Redacted] is file that confirms Payment made to [Redacted] #[Redacted]. Exception cleared. Buyer Comment (2026-05-11): Settlement Statement, Bank Statement, Mortgage Statement Reviewer Comment (2026-05-07): Received Payment history Bank statement showing withdrawal and check for [Redacted] #[Redacted] from [Redacted] [Redacted] - [Redacted] However VOM / Housing payment history for 12 months required as per [Redacted] guide for the following Mortgages: 1. Mortgage with [Redacted] #[Redacted] (Primary Residence - [Redacted]" for [Redacted] months Until [Redacted] [Redacted]. 2. Mortgage with [Redacted] #[Redacted] (Subject property - [Redacted]) received for [Redacted] months Required for [Redacted] and [Redacted] [Redacted]. Exception remains. Buyer Comment (2026-05-05): Per Lender: Please be advised that the primary is on a reverse mortgage, and attached is 12 months payment history for [Redacted] - bank statements from [Redacted] to [Redacted]. Buyer Comment (2026-05-05): VOM Reviewer Comment (2026-05-04): Received bank statement for [Redacted] - [Redacted], [Redacted] However VOM / Housing payment history for 12 months required for the following Mortgages: 1. Mortgage with [Redacted] #[Redacted] (Primary Residence - [Redacted]" for 12 months Until [Redacted]. 2. Mortgage with [Redacted] #[Redacted] (Subject property - [Redacted]) for 12 months until [Redacted] ([Redacted] payment verified with Mortgage statement provided) pending[Redacted] months required. Exception remains. Buyer Comment (2026-04-30): Bank Statement |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | B | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10358829 | [Redact] | 37404286 | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. | The Title reflects address as "[Redacted]" whereas other docs in loan package reflect "[Redacted]." The address discrepancy must be resolved by updating required docs, amending the title, or obtaining client acceptance to proceed as is. | Reviewer Comment (2026-05-07): Received Corrected title commitment with Updated address as per Note. Exception cleared. Buyer Comment (2026-05-05): Title Reviewer Comment (2026-05-04): Noted. Provide any email correspondence from Title company confirming the address verification and if this address is okay to proceed. or Updated title commitment with updated address. Exception remains Buyer Comment (2026-05-01): Per [Redacted], OK to proceed |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | B | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10358829 | [Redact] | 37404287 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Reviewer Comment (2026-04-29): Disclosure was made same day as flood cert determination. |
04/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | B | A | C | A | N/A | No | |||||||||||
| [Redact] | 10358823 | [Redact] | 37404291 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note: Late charge percentage exceeds maximum per state. | Buyer Comment (2026-05-05): Acknowledged non material |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358823 | [Redact] | 37404292 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted], or provide copy of insurer's replacement cost estimate supporting current coverage amount. Shortfall of dwelling amount should meet FNMA requirements. | Reviewer Comment (2026-05-26): Received HOI with Guaranteed Replacement cost on Dwelling. Exception cleared. Buyer Comment (2026-05-22): Per Lender: insurance not provide RCE. They provide updated doc reflecting "100% Guaranteed" which covers any amount regardless Buyer Comment (2026-05-22): HOI |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358819 | [Redact] | 37404294 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | - | Spousal Consent form was not found in file. | Reviewer Comment (2026-05-29): 1003 provided. Spousal consent not requied. Buyer Comment (2026-05-29): corrected 1003 borrower is not married Reviewer Comment (2026-05-15): Received Tax cert instead of Spousal Consent form. Provide Spousal Consent form. Exception remains. Buyer Comment (2026-05-13): tax cert and calc |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10358819 | [Redact] | 37404297 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Tax Certificate was not found to verify $[Redacted] per year in tax expenses. | Reviewer Comment (2026-05-15): Received Tax cert with tax calculation. Exception cleared. |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358835 | [Redact] | 37404298 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing in file. | Reviewer Comment (2026-05-18): Certificate of Good Standing is provided in file. Exception cleared Buyer Comment (2026-05-15): Certificate of Good Standing |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358835 | [Redact] | 37404299 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing in file. | Reviewer Comment (2026-05-26): Guarantee agreement and note addendum provided. Buyer Comment (2026-05-21): Guaranty Buyer Comment (2026-05-21): Please see attached PPP addendum to add to review |
05/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358835 | [Redact] | 37404302 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Fraud Report is missing in file for [Redacted]. | Reviewer Comment (2026-05-26): [Redacted] provided. Buyer Comment (2026-05-21): Fraud Report |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358835 | [Redact] | 37404303 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Business Purpose Certificate is missing in file. | Reviewer Comment (2026-05-26): BPC provided. Buyer Comment (2026-05-21): Business Purpose |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358833 | [Redact] | 37404305 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Business Purpose Certificate is missing in file. | Reviewer Comment (2026-05-26): BPC provided Buyer Comment (2026-05-21): BPC |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358833 | [Redact] | 37404306 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing for [Redacted]. | Reviewer Comment (2026-05-26): Fraud report provided Buyer Comment (2026-05-21): Fraud Report |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358833 | [Redact] | 37404307 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing in file. | Reviewer Comment (2026-05-26): Guarantee agreement and note ppp addendum provided. Buyer Comment (2026-05-21): Guaranty Buyer Comment (2026-05-21): Please see attached PPP addendum to add to review |
05/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358834 | [Redact] | 37404309 | Credit | Credit | Credit Documentation | Credit | Background check is missing. | Fraud report not in file for entity, nor was entity referenced on the loan participant list. | Reviewer Comment (2026-05-26): Fraud report provided. Buyer Comment (2026-05-21): Fraud [Redact] Buyer Comment (2026-05-21): Updated drive |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358832 | [Redact] | 37404313 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report not in file for entity, nor was entity referenced on the loan participant list. | Reviewer Comment (2026-05-26): FG provided. Buyer Comment (2026-05-21): Fraud Report |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358832 | [Redact] | 37404314 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement required for subject property. | Reviewer Comment (2026-05-26): Guarantor agreement provided. Buyer Comment (2026-05-21): Guaranty |
05/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358832 | [Redact] | 37404316 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Require signed fully executed Business Purpose Certificate. | Reviewer Comment (2026-06-01): Received Executed BPC. Exception cleared. Buyer Comment (2026-05-29): Business Purpose and Guaranty document Buyer Comment (2026-05-29): BPC Reviewer Comment (2026-05-26): Note addendum for PPP provided. Provide BPC. Buyer Comment (2026-05-26): PPP addendum Reviewer Comment (2026-05-26): Provide the complete signed BPC and the note addendum. The addendum was not uploaded. Buyer Comment (2026-05-21): BPC Buyer Comment (2026-05-21): Please see attached PPP addendum to add to review |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10452562 | [Redact] | [Redact] | 37419875 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-17): collateral shipped via [Redacted]Tracking ID [Redacted], delivered [Redacted] at [Redacted] |
09/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10452562 | [Redact] | [Redact] | 37548926 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-09-17): Received Business purpose certificate. Exception cleared. Seller Comment (2026-09-17): Please fund Business Purpose attached Seller Comment (2026-09-17): Please find attached Business purpose |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10452562 | [Redact] | [Redact] | 37548928 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-09-21): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-21): Please see fully executed Business Purpose Cert. attached. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10424013 | [Redact] | 37468299 | Credit | Guideline | Guideline Issue | Guideline | The number of financed properties exceeds guidelines. | Per the As guidelines, the maximum number of residential [Redacted]-unit properties owned (financed or free and clear) is [Redacted], the subject is the borrower's [Redacted] property. Lender Exception Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. 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. 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. The representative FICO score is above [Redacted]. |
[Redacted] months reserves residual income of [Redacted] monthly |
[Redact],Originator Pre-Close,Aggregator [Redact] Aggregator,[Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-09-04): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves, residual income of [Redacted] monthly |
09/04/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||
| [Redact] | 10452836 | [Redact] | [Redact] | 37430032 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-07): [Redacted]tracking# [Redacted], delivered on [Redacted] |
10/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10452836 | [Redact] | [Redact] | 37731971 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The fully executed Business Purpose Certificate was not found in file. The copy in the file was not executed. | Reviewer Comment (2026-10-06): Received Business purpose certificate. Exception cleared. Seller Comment (2026-10-05): Please see attached Business Purpose Cert. |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10452836 | [Redact] | [Redact] | 37731985 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The fully executed Business Purpose Certificate was not found in file. The copy in the file was not executed. | Reviewer Comment (2026-10-06): Received Business purpose certificate. Exception cleared. Seller Comment (2026-10-05): Please see attached Business Purpose Cert. |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10452837 | [Redact] | [Redact] | 37430138 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-06): Waived on Rate Lock: Collateral cleared by Custodian |
10/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10452837 | [Redact] | [Redact] | 37699461 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Certificate. The copy in the file was not executed. | Reviewer Comment (2026-09-29): Received and associated Business Purpose Certificate. Exception cleared Seller Comment (2026-09-29): Please see the Business Purpose Certificate attached. |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10452837 | [Redact] | [Redact] | 37704091 | Credit | Asset | Asset Eligibility | Asset | Guideline Issue: Seller concessions exceeds the amount allowed per credit guidelines | Per the final Closing Disclosure, there were seller concessions of $[Redacted]. While the concessions met the guideline maximum of [Redacted]%, the seller concessions exceeded the actual closing costs paid by the borrower. The borrower paid closing costs were $[Redacted] (including POC fees), therefore $[Redacted] of the seller concessions were excessive. When the seller paid concessions exceed the maximum allowable, the excessive concessions must reduce the sales price to calculate the new LTV. When the $[Redacted] in excessive concessions reduces the sales price of $[Redacted], the new sales price to calculate the LTV is $[Redacted], resulting in an LTV of [Redacted]%. The revised LTV still meets the guideline requirements; however, a revised Form 1008 is required to update the LTV. | Reviewer Comment (2026-10-15): Revised 1008 provided. Exception cleared. Seller Comment (2026-10-14): Please find attached 1008 |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10423987 | [Redact] | 37437537 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Loan amount of $[Redacted] does not meet guideline minimum of $[Redacted]. | The qualifying DSCR on the loan is greater than the guideline minimum. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] DSCR [Redacted] months reserves, |
Originator Pre-Close,Aggregator Originator Pre-Close,Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-09-04): Client elected to waive the condition with the following Comp Factors: [Redacted]DSCR, [Redacted] months reserves, |
09/04/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||
| [Redact] | 10423987 | [Redact] | 37437633 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | ECOA Receipt of Appraisal Without Waiver. | Buyer Comment (2026-09-04): Initial and Final Grade B, accepted |
09/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10423987 | [Redact] | 37468122 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per the guides, for properties in between tenants, the borrower must have [Redacted] months non-proceeds reserves. The file contained a lender exception approval to allow the use of loan proceeds to meet the reserve requirements. | The qualifying DSCR on the loan is greater than the guideline minimum. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] DSCR [Redacted] months reserves, |
Originator Pre-Close,Aggregator Originator Pre-Close,Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-09-04): Client elected to waive the condition with the following Comp Factors: [Redacted]DSCR, [Redacted] months reserves, |
09/04/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10423987 | [Redact] | 37468434 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Per the guides, for properties in between tenants, the LTV is reduced by [Redacted]%. The file contained a lender exception approval to not reduce the LTV by the [Redacted]%. | The qualifying DSCR on the loan is greater than the guideline minimum. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] DSCR [Redacted] months reserves, |
Originator Pre-Close,Aggregator Originator Pre-Close,Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-09-04): Client elected to waive the condition with the following Comp Factors: [Redacted]DSCR, [Redacted] months reserves, |
09/04/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||
| [Redact] | 10453306 | [Redact] | [Redact] | 37433377 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-30): [Redacted]tracking# [Redacted] |
10/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10453306 | [Redact] | [Redact] | 37706683 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-10-01): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-30): Please see uploaded Business Purpose |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10453306 | [Redact] | [Redact] | 37706686 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-10-01): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-30): Please see uploaded Business Purpose |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10453347 | [Redact] | [Redact] | 37434125 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-01): Collateral delivered on [Redacted] via [Redacted]tracking number [Redacted] |
10/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10453347 | [Redact] | [Redact] | 37705487 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. | Reviewer Comment (2026-10-01): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-30): Please see attached business purpose cert. |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10454167 | [Redact] | [Redact] | 37443075 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-08): Waived on Rate Lock: Collateral cleared by Custodian |
10/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10454167 | [Redact] | [Redact] | 37741548 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Certificate. The copy in the file was not executed. | Reviewer Comment (2026-10-09): Fully executed Business Purpose cert provided Seller Comment (2026-10-07): Please find attached Business Purpose |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10455458 | [Redact] | [Redact] | 37446246 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-06): Waived on Rate Lock: Collateral cleared by Custodian |
10/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10456014 | [Redact] | [Redact] | 37447525 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-08): Collateral shipped via [Redacted]Tracing ID [Redacted], Delivered Thursday, [Redacted] at [Redacted] |
10/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10456014 | [Redact] | [Redact] | 37732276 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Certificate. The copy in the file was not executed. | Reviewer Comment (2026-10-09): Fully executed Business Purpose Cert provided Seller Comment (2026-10-07): Please find attached Business Purpose |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10457785 | [Redact] | [Redact] | 37466859 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-23): Per [Redacted]tracking [Redacted], the collateral was delivered on [Redacted] at [Redacted] |
09/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10457785 | [Redact] | [Redact] | 37610258 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification Appraisal delivered to borrower was not provided. | 09/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10457785 | [Redact] | [Redact] | 37610259 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification Appraisal delivered to borrower was not provided. | 09/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10458114 | [Redact] | [Redact] | 37478414 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-05): [Redacted]tracking# [Redacted], delivered on [Redacted] |
10/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10458114 | [Redact] | [Redact] | 37706743 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-10-01): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-30): Please see uploaded Business Purpose |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10424031 | [Redact] | 37510835 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on the subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Buyer Comment (2026-09-12): Initial and Final Grade B, accepted. |
09/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Limited Cash-out GSE | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10424010 | [Redact] | 37512167 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | The Homeowner's Insurance Declarations Page in the file verified an effective date of [Redacted], which is after the consummation date of [Redacted]. Provide a revised Homeowner's Insurance Declarations Page. | Reviewer Comment (2026-10-12): PCCD, LOE to borrower and FSS provided. Exception cleared. Seller Comment (2026-10-08): PCCD |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10424010 | [Redact] | 37512208 | 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. | Reviewer Comment (2026-09-09): Sufficient Cure Provided At Closing |
09/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10458834 | [Redact] | [Redact] | 37494631 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-23): Per [Redacted]tracking [Redacted], the collateral was delivered on [Redacted] at [Redacted]. Seller Comment (2026-09-23): Tracking# [Redacted], delivered on [Redacted] |
09/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10458834 | [Redact] | [Redact] | 37610269 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-09-22): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-22): Please see the Business Purpose Certificate for both borrowers attached. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10460293 | [Redact] | [Redact] | 37499737 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-01): [Redacted]tracking# [Redacted], delivered [Redacted]; delivered on [Redacted] |
10/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10393855 | [Redact] | 37501018 | 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 (2026-08-13): Sufficient Cure Provided At Closing |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10393855 | [Redact] | 37501020 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Require additional bank statements to meet cash to close requirement of $[Redacted]. Additional assets were provided but not used to qualify. | Reviewer Comment (2026-08-21): Available PCCD in file confirm required asset for closing is $[Redacted] and Funds in the amount of $[Redacted] were available for closing thus meets closing requirement. Exception cleared. Buyer Comment (2026-08-21): Lender's response: Final settlement statement and post close CD reflect total funds needed of $[Redacted] ($[Redacted] wired in - $[Redacted] refunded to borrower) Reviewer Comment (2026-08-20): We defer to agency if guides are silent, they are not silent. Updated 1003 provided yesterday and acct# [Redacted] and #[Redacted] were requesting to be used for additional consideration. Post-closing. We used [Redacted]% of retirement acct# [Redacted] with no evidence of liquidation as required by guides. This covers reserves. We used [Redacted]% of the checking account #[Redacted] which was not enough to cover the cash to close. Buyer Comment (2026-08-20): Please review agency guides and cancel this exception. Borrower has $[Redacted] with [Redacted] and $[Redacted] with [Redacted]. $[Redacted] needed for CTC. Reviewer Comment (2026-08-19): Additional assets were provided of $[Redacted]. Not enough to offset the previously disclosed deficient amount of $[Redacted]. Buyer Comment (2026-08-19): [Redacted] Statement Buyer Comment (2026-08-19): 1008/1003 Buyer Comment (2026-08-19): Closing funds wire, source, and updated URLA with [Redacted] listed |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10393855 | [Redact] | 37501021 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | [Redacted] and [Redact] identified on subject appraisal images, however, Farms/Working farms are ineligible as per guide. Client to review. | Reviewer Comment (2026-08-19): Client accepts Buyer Comment (2026-08-19): Lender's response: Subject property has a [Redacted] stall horse stable. This is considered personal property and is acceptable per discussions with [Redacted] underwriting. The overall property is only [Redacted] acres and it would be reasonable to have a couple horses as pets rather than an actual operation on the subject. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10265102 | [Redact] | 37501027 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Required updated lease agreement as provided lease agreement is going to expire on [Redacted] also, landlord signature is missing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redacted] vs [Redacted] | [Redact],Aggregator | Reviewer Comment (2026-08-21): Investor accepts and agrees to waive with compensating factors. Buyer Comment (2026-08-21): investor exception approval |
08/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||
| [Redact] | 10265102 | [Redact] | 37501028 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | Provide payment history for the month of [Redacted] of [Redacted] #[Redacted]; [Redacted] #[Redacted]; [Redacted] #[Redacted]; [Redacted] #[Redacted]. Also required payment history from [Redacted] to [Redacted] of Select [Redacted] #[Redacted]. | Reviewer Comment (2026-08-19): Revised Credit report received confirming DLA for [Redacted] #[Redacted]as [Redacted] and meets guide requirement. Exception Cleared. Buyer Comment (2026-08-18): Credit supplement showing [Redacted] [Redacted]history Reviewer Comment (2026-07-09): Received Credit supplement confirm payment until [Redacted] for [Redacted] #[Redacted] / [Redacted] #[Redacted] / [Redacted] #[Redacted].and [Redacted] #[Redacted] until [Redacted]. [Redacted] #[Redacted]last activity reflects paid until [Redacted] however comments states paid until [Redacted] Evidence of payment not available. Hence VOM / Mortgage history for [Redacted] [Redacted] required for [Redacted] #[Redacted]. Exception remains. Buyer Comment (2026-07-08): Credit Supplement |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10357738 | [Redact] | 37501033 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter required as per guide. | Reviewer Comment (2026-07-28): Received Signed Closing Protection Letter. Exception cleared. Buyer Comment (2026-07-27): cpl |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10357738 | [Redact] | 37501034 | Credit | Business Purpose | General | Business Purpose | The Non-Owner Occupied Certification was not signed by all required borrowers and thus casts doubt on the business purpose of the loan. | Occupancy certificate is required as per guide. | Reviewer Comment (2026-07-28): Received Signed on-Owner Occupied Certificate. Exception cleared. Buyer Comment (2026-07-27): affidavit of occupancy |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10357738 | [Redact] | 37501035 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Missing payment documentation for [Redacted] for account [Redacted] #[Redacted], and for the period [Redacted] [Redacted] through [Redacted] [Redacted] for account Select [Redacted] #[Redacted]. | Reviewer Comment (2026-08-13): Received Mortgage statement for [Redacted]#[Redacted]from J[Redacted] Exception cleared. Buyer Comment (2026-08-12): mortgage statement's #[Redacted] Reviewer Comment (2026-07-29): Received Pay history that confirms the [Redacted] and [Redacted] [Redacted] payment for the account #[Redacted] however provide VOM / Mortgage payment history for Account #[Redacted]from [Redacted] [Redacted]through [Redacted] [Redacted]. Exception remains. Buyer Comment (2026-07-28): [Redacted] [Redacted] payment for #[Redacted] |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10357738 | [Redact] | 37501036 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Business Purpose Certificate required as per guide. | Reviewer Comment (2026-07-28): Received Signed and executed Business Purpose Certificate. Exception cleared. Buyer Comment (2026-07-27): business purpose |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10385014 | [Redact] | 37501041 | Compliance | Note | General | Missing, Incorrect, or Incomplete Note | Prepayment Penalty Discrepancy | PPP on Final TIL / Closing Disclosure screen but not on Note screen. | Reviewer Comment (2026-08-25): Received LOE, PCCD, Letter of Intent to Re-record, PPP Addendum, and Attestation of Destruction and meets guide requirement. Exception cleared. Buyer Comment (2026-08-24): Attestation for destruction Buyer Comment (2026-08-24): LOE, PCCD, Letter of Intent to Re-record, Rider, and PPP Addendum Reviewer Comment (2026-08-07): Provide Note Addendum - Prepayment along with prepayment rider and Letter of intent to re-record since PPP rider was not checked on security instrument. Exception remains. Buyer Comment (2026-08-06): Please update exception to reflect verbiage - "Lender submitted prepayment structure that does not meet program requirements. Transaction requires Document correction or Buyer Exception. Please contact your assigned Client Advocate for Buyer exception review. If the client receives a buyer exception, please provide signed Prepayment Addendum and Signed Prepayment Rider (Document cure: Corrected, signed addendum and rider matching the locked prepayment structure, Letter of intent to re-record, and signed attestation letter to destroy the incorrect addendum. Corrected PCCD and LOE to consumer if applicable. |
08/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10385014 | [Redact] | 37501044 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is missing in file. | Reviewer Comment (2026-08-19): Received LOE from lender confirming no operating agreement is required in [Redacted] . [Redacted] law does not legally require an LLC to file or adopt a written operating agreement. Exception cleared. Buyer Comment (2026-08-18): Not required in [Redacted], please clear |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10385014 | [Redact] | 37501045 | Compliance | Compliance | State Compliance | State Defect | [Redact] Prepayment Penalty - Business Entity | [Redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [Redacted] under [Redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. | NJ: restricted to limited liability companies (LLCs) and corporations only | Buyer Comment (2026-08-25): Acknowledged non material EV2. Prepay language states prepay will not exceed maximum permitted by applicable law. |
08/25/2026 | No | 2 | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10383482 | [Redact] | 37501051 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report not in file for entity, nor was entity referenced on the loan participant list. | Reviewer Comment (2026-08-20): Received Fraud report for the borrower and borrowing entity along with participant list on watchlist. Exception cleared. Reviewer Comment (2026-08-11): Provide updated Fraud Report reflecting 1) The Entity ([Redacted]) as participant. 2) Provide a comparison of ALL participant names (ie... Appraiser, Appraisal company, Settlement Agent / Company, Title company etc) against industry watch and exclusionary lists such as OFAC. See seller guide 5.0 Borrower Eligibility. Exception remains. Buyer Comment (2026-08-11): Provide updated Fraud Report reflecting 1) The Entity ([Redacted]) as participant. 2) Provide a comparison of ALL participant names (ie... Appraiser, Settlement Agent / Company etc) against industry watch and exclusionary lists such as OFAC. See seller guide 5.0 Borrower Eligibility. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10383482 | [Redact] | 37501054 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Provided HOI Policy reflects Loss of Use in the amount of $[Redacted]. Unable to determine if Loss of Use is the same as rent loss / Loss of Rent. Provide an updated policy reflecting loss of rent / rent loss or email confirmation from the insurance company confirming the same. | Reviewer Comment (2026-08-20): Received HOI policy and bottom of the page confirms the loss of use is the loss of rent. Exception Cleared. Buyer Comment (2026-08-19): Updated HOI Loss of use same as Loss of rent- See statement at bottom of HOI. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10383482 | [Redact] | 37501055 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing. | Reviewer Comment (2026-08-20): Received DCSR Worksheet. Exception cleared. Buyer Comment (2026-08-19): DSCR Worksheet |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10383482 | [Redact] | 37501056 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met | 1) Loan ineligible due to at least one borrower on the new loan must be on title of the subject property for a minimum of six months from the closing date. Property was obtained [Redacted] and closing date is [Redacted]. See seller guide [Redacted] Cash-Out Refinance. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] vs [Redacted] | [Redact],Aggregator [Redact] |
Reviewer Comment (2026-08-21): Investor accepts and agrees to waive with compensating factors. Buyer Comment (2026-08-19): Investor-approved exception for loan seasoning for cash-out refinance for the borrowers. |
08/21/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10383482 | [Redact] | 37501057 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | 2) Provide updated Fraud Report reflecting 1) The Entity ([Redacted]) as participant. 2) Provide a comparison of ALL participant names (ie... Appraiser, Settlement Agent / Company etc) against industry watch and exclusionary lists such as [Redacted]. See seller guide 5.0 Borrower Eligibility. | Reviewer Comment (2026-08-20): Received Fraud report for the borrower and borrowing entity along with participant list on watchlist. Exception cleared. Buyer Comment (2026-08-19): Fraud Report - All parties |
08/20/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10383482 | [Redact] | 37501058 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | 3) Provide updated payment history for the subject property for [Redacted] and [Redacted] [Redacted] / VOM reflects most recent payment of [Redacted]. [Redacted] requires a 12-month housing history on the subject property, primary residence and all additional financed properties. Only the subject property and primary residence must be listed on the application and the housing history requirements for additional financed properties (properties other than the subject property and primary residence) are limited to properties with mortgages reflected on the credit report. All payment histories must reflect 0X30 measured from the credit report date. On the credit report date ([Redacted]), the existing mortgage(s) must be current, which means that no more than [Redacted] days have elapsed since the last paid installment date. See seller guide [Redacted] Mortgage/Rental History. | Reviewer Comment (2026-08-21): VOM provided. Buyer Comment (2026-08-20): Updated VOM |
08/21/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10383482 | [Redact] | 37501059 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | 4) Loan Selected for Enhanced Valuation Review, No action required from Lender. | Reviewer Comment (2026-08-18): Accepted Buyer Comment (2026-08-17): [Redacted] accepts value |
08/18/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10384664 | [Redact] | 37501068 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds for the Initial Purchase not provided | The delayed financing initial closing statement was provided; however, the source of funds used for the initial purchase is missing. Please provide supporting documentation to verify the source of funds. | Reviewer Comment (2026-08-21): Source of funds provided. Buyer Comment (2026-08-21): Statement Buyer Comment (2026-08-21): Statement and UW's Response |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10462039 | [Redact] | [Redact] | 37508485 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-07): [Redacted]tracking# [Redacted], delivered on [Redacted] |
10/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10462039 | [Redact] | [Redact] | 37718755 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-10-05): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-10-05): Please see uploaded Business Purpose document |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10462037 | [Redact] | [Redact] | 37508624 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-21): Waived on Rate Lock: Collateral cleared by Custodian |
09/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10462037 | [Redact] | [Redact] | 37522664 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file was missing a copy of the Business Purpose Certificate. | Reviewer Comment (2026-10-01): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-30): Please see attached business purpose cert. Reviewer Comment (2026-09-15): Received Business purpose certificate, however the property address [Redacted] [Redacted] is not matching with the subject address [Redacted] [Redacted]. provide the corrected business purpose certificate. Exception remains. Seller Comment (2026-09-14): Please find attached Business Purpose |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10462037 | [Redact] | [Redact] | 37522786 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Business Purpose Certificate was not provided. | Reviewer Comment (2026-10-01): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-30): Please see attached business purpose cert. Reviewer Comment (2026-09-15): Received Business purpose certificate, however the property address [Redacted] [Redacted] is not matching with the subject address [Redacted] [Redacted]. provide the corrected business purpose certificate. Exception remains. Seller Comment (2026-09-14): Please find attached Business Purpose |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10463869 | [Redact] | [Redact] | 37522460 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-06): Waived on Rate Lock: Collateral cleared by Custodian |
10/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10463870 | [Redact] | [Redact] | 37522828 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-14): Waived on Rate Lock: Collateral cleared by Custodian |
10/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10463870 | [Redact] | [Redact] | 37732252 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-10-08): Received and associated Business Purpose Certificate. Exception Cleared Seller Comment (2026-10-07): Please find attached Business Purpose |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10463870 | [Redact] | [Redact] | 37732253 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-10-08): Received and associated Business Purpose Certificate. Exception Cleared Seller Comment (2026-10-07): Please find attached the executed Business Purpose document |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10408886 | [Redact] | 37545289 | 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. | Reviewer Comment (2026-06-16): Sufficient Cure Provided At Closing |
06/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10408934 | [Redact] | 37545327 | 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. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10408899 | [Redact] | 37545365 | Property | Valuation | Valuation Issue | Valuation | [Redacted] program guidelines require a CDA (Desk Review) | Collateral Desktop Analysis (CDA(r)) or Appraisal Risk Review (ARR) is required on all loan transactions that don't include 2 appraisals. | Reviewer Comment (2026-06-19): Received CDA. Exception cleared. Buyer Comment (2026-06-17): CDA |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | A | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10408910 | [Redact] | 37545368 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-12): Acknowledged non-material [Redacted] |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408911 | [Redact] | 37545369 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-10): Acknowledged non material |
06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408911 | [Redact] | 37545370 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Per guidelines, rent-free letters must be provided by both the borrower and the individual providing housing, unless both parties are borrowers on the subject loan. Missing rent-free letter from borrower. | Reviewer Comment (2026-06-18): Rent-free letters provided by both the borrower and the individual providing housing. Exception Cleared. Buyer Comment (2026-06-16): rent free |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408926 | [Redact] | 37545383 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-24): Acknowledged non material |
06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408882 | [Redact] | 37545384 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note: Late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-05): Acknowledged non-material [Redacted] |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408896 | [Redact] | 37545386 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note: Late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-09): Acknowledged non-material [Redacted] |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | A | A | B | B | C | A | N/A | No | ||||||||||||
| [Redact] | 10408896 | [Redact] | 37545387 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | The desk review has an effective date ([Redacted]) that is other than what the appraisal effective date is ([Redacted]). The desk review should have the same effective date as the appraisal. | Reviewer Comment (2026-06-17): Received revised CDA with updated effective date. Exception cleared. Buyer Comment (2026-06-15): CDA |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | A | A | B | B | C | A | N/A | No | ||||||||||||
| [Redact] | 10408900 | [Redact] | 37545388 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-22): Acknowledged non material |
06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408900 | [Redact] | 37545389 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Guidelines require a rent-free letter from both the borrower and the individual providing housing. Missing LOE from Borrower. | Reviewer Comment (2026-06-29): Rent-free letter received from both the borrower and the individual providing housing. Exception Cleared. Buyer Comment (2026-06-25): rent free |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408952 | [Redact] | 37545400 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing. | Reviewer Comment (2026-07-01): Received 1008 With DSCR Calculation. Exception cleared. Buyer Comment (2026-06-30): 1008 |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408952 | [Redact] | 37545401 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding ADUs. | As per guide [Redacted] must conform with Fannie Mae guidelines and as per Fannie Mae guidelines [Redacted] are not permitted with a two- to four-unit dwelling. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. 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. |
[Redacted]vs [Redacted] [Redacted]% vs[Redacted] [Redacted]vs [Redacted] |
[Redact],Aggregator Aggregator,[Redact] Aggregator,[Redact] |
Reviewer Comment (2026-07-01): Investor accepts and agrees to waive with compensating factors. Buyer Comment (2026-07-01): Investor exception. |
07/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | A | A | N/A | No | |||||||||
| [Redact] | 10408943 | [Redact] | 37545403 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Per HOI policy, loss of use up to 12 months was provided, not rent loss of 12 months. Unable to ascertain if rent loss is covered under this. | Reviewer Comment (2026-07-06): As per document provided it states that 12 months of rent loss insurance is noted on the policy and in the policy jacket. Exception Cleared. Buyer Comment (2026-07-01): rent loss coverage |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408929 | [Redact] | 37545405 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state | Buyer Comment (2026-06-29): Acknowledged non material |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408951 | [Redact] | 37545415 | Credit | Missing Document | General | Missing Document | Incomplete Document: Business Purpose Certificate is incomplete | Business Purpose Certificate provided is missing initials stating the Property is not and will not be occupied by me or any family member, or if Borrower is an entity, any member or owner of the Borrower entity. | Reviewer Comment (2026-07-01): Received complete Initial and Signed BPC. Exception cleared. Buyer Comment (2026-06-30): BPA |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408951 | [Redact] | 37545417 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing in file. | Reviewer Comment (2026-07-02): Received Certificate of Good Standing within [Redacted] days of note date. Exception cleared. Buyer Comment (2026-07-01): COGS |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408885 | [Redact] | 37545422 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate provided is blank. | Reviewer Comment (2026-07-06): Received Business Purpose Certificate. Exception cleared Buyer Comment (2026-07-02): Please see bus purpose cert |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408885 | [Redact] | 37545423 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Cash-Out Utilization is missing in file. | Reviewer Comment (2026-07-06): Received LOE for cash out. Exception Cleared. Buyer Comment (2026-07-02): LOX Buyer Comment (2026-07-02): BPC |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408885 | [Redact] | 37545424 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Transaction Error: Outstanding liens were not paid at closing. | Title reflects a second lien with [Redacted] for $[Redacted], File #[Redacted]. Missing evidence this mortgage was released or paid off prior to closing. 1008 states the loan is being paid off by Loan #[Redacted]. | Reviewer Comment (2026-07-07): Received the Closing Disclosure and payoff statement confirming that the second lien held by the [Redact]in the amount of $[Redacted] has been paid in full. Exception cleared. Buyer Comment (2026-07-02): Please see [Redact] payoff and Final cd showing it was paid at closing Buyer Comment (2026-07-02): Please see [Redact] payoff |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408912 | [Redact] | 37545426 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-30): Acknowledged non-material EV2 |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408912 | [Redact] | 37545427 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Per guidelines, Rent loss insurance covering a minimum of [Redacted] months is required for the subject property. Declaration page provided reflects Loss of Use only. | Reviewer Comment (2026-07-07): Noted. Under an HO-2 policy, Rent loss coverage is a as part of "Loss of Use" or Fair Rental Value coverage. Exception cleared. Buyer Comment (2026-07-06): Per Lender: Please re-review. Policy is marked as HO2. On an HO2 policy "loss of use" is the fair rental value/rent loss coverage |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408922 | [Redact] | 37545428 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-30): Acknowledged non-material EV2 |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408922 | [Redact] | 37545429 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Gift funds omitted on DSCR loans. | Reviewer Comment (2026-07-07): Gift can be used for experienced investor. Buyer Comment (2026-07-06): Per Lender: Please re-review. Documentation (attached) was included in delivery package to show borrower is owner of property. Not first time. Buyer Comment (2026-07-06): OA |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408922 | [Redact] | 37545430 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Gift funds omitted on DSCR loans. | Reviewer Comment (2026-07-07): Gift can be used for experienced investor. Buyer Comment (2026-07-06): Per Lender: Please re-review. Documentation (attached) was included in delivery package to show borrower is owner of property. Not first time. Buyer Comment (2026-07-06): OA Uploaded |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408891 | [Redact] | 37545435 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report provided is for the guarantor individual; however, fraud report is missing borrower entity name as a participant against industry watch and exclusionary lists. | Reviewer Comment (2026-07-09): Received Fraud report along with Watchlist for the entity. Exception cleared. Buyer Comment (2026-07-08): Fraud report with [Redacted] listed as participant |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408927 | [Redact] | 37545469 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report is missing for [Redacted], [Redacted]. | Reviewer Comment (2026-06-29): Received fraud report with participant list. Exception Cleared. Buyer Comment (2026-06-25): Fraud report |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10408927 | [Redact] | 37545473 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing in file. | Reviewer Comment (2026-06-29): Received of Certificate of Good Standing. Exception cleared. Buyer Comment (2026-06-25): updated entity se[Redacted] |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408927 | [Redact] | 37545474 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing in file. | Reviewer Comment (2026-07-08): Received 1008 with DSCR calculation. Exception cleared. Buyer Comment (2026-07-06): 1008 Reviewer Comment (2026-06-29): Received 1008 with Market rent considered as $[Redacted] instead of $[Redacted] as per 1007 Market rent is $[Redacted] therefore provide updated DSCR worksheet with updated market rent as $[Redacted] and DSCR ratios. Exception remains. Buyer Comment (2026-06-25): updated 1008 with calculations. [Redacted]/ piti [Redacted]= [Redacted] dscr ratio |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408927 | [Redact] | 37545476 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Additional assets were provided but were not used to qualify. Missing evidence of [Redacted] months reserves. | Reviewer Comment (2026-07-10): Additional assets, 1008 and 1003 provided. Buyer Comment (2026-07-10): 1003 Reviewer Comment (2026-07-08): Received 1008 with Additional asset from [Redacted] Checking #[Redacted] considered for qualification. However Updated 1003 is missing with Asset section updated with additional asset from [Redacted] Checking #[Redacted]. Provide Updated 1003 with updated asset. Exception remains. Buyer Comment (2026-07-06): 1008 with updated assets. Missing 1003. Reviewer Comment (2026-06-29): Provided bank statement #[Redacted] dated [Redacted] reflects an ending balance of $[Redacted]. Total required assets to close, including reserves, equal $[Redacted]. Available verified assets are $[Redacted], resulting in a shortfall of approximately $[Redacted] to meet the [Redacted]-month reserve requirement. Exception remains. Buyer Comment (2026-06-25): Updated 1003/1008 and bank statement |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408927 | [Redact] | 37545479 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit | - | Valuation effective date of [Redacted] is more than 120 days prior to the Note Date. As per guideline, if over [Redacted] days, a 1004D appraisal (or Agency UAD [Redacted]equivalent) update is required. | Reviewer Comment (2026-06-29): Received 1004D appraisal dated [Redacted]. Exception Cleared. Buyer Comment (2026-06-25): 1004D |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10408927 | [Redact] | 37545480 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Missing page [Redacted] and [Redacted] of the security agreement | Reviewer Comment (2026-07-01): Received Complete Notarized Security Instrument. Exception cleared. Buyer Comment (2026-06-29): security instrument with all pages Reviewer Comment (2026-06-29): Security Instrument not received. Exception remains. Buyer Comment (2026-06-25): security instrument with all pages |
07/01/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10408931 | [Redact] | 37545486 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment (2026-07-07): Received Updated Title commitment with dwelling covering the loan policy amount. Exception celared. Buyer Comment (2026-07-02): Updated title with coverage |
07/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408931 | [Redact] | 37545489 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject city is missing from evidence of insurance. | Provide Hazard Insurance Policy with annual premium of $[Redacted] that support the lender calculation. | Reviewer Comment (2026-07-14): Received HOI with Annual premium. Difference is $[Redacted] hence considered the premium as per the document provided. Exception cleared. Buyer Comment (2026-07-13): Updated policy with correct premium Buyer Comment (2026-07-13): Insurance declarations with corrected premium |
07/14/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10408931 | [Redact] | 37545490 | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. | Final 1003 reflects Borrower is Permanent Resident Alien and Provided visa type is a [Redacted] class visa. And as per guide, Cash-out refinance is not allowed for Non-Permanent Residents. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redact] [Redact] |
Reviewer Comment (2026-07-14): Exception provided. Buyer Comment (2026-07-10): Please downgrade and waive. Buyer Comment (2026-07-10): Exception from [Redacted]. |
07/14/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10408924 | [Redact] | 37545492 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state | Buyer Comment (2026-07-01): Acknowledged non-material [Redacted] |
07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408923 | [Redact] | 37545494 | Credit | Credit | Credit Documentation | Credit | Background check is missing. | - | Fraud report not in file for entity, nor was entity referenced on the loan participant list. | Reviewer Comment (2026-07-15): Received Fraud report for the entity and all participant list. Exception cleared. Buyer Comment (2026-07-14): fraud |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10408923 | [Redact] | 37545495 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds the maximum per state. | Buyer Comment (2026-07-01): Acknowledged non-material [Redacted] |
07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408923 | [Redact] | 37545496 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation on [Redacted] does not reflect the PITIA amount. It reflects $[Redacted] / PITIA = [Redacted]. Need DSCR Calculation Worksheet. | Reviewer Comment (2026-07-15): Received DSCR Calculation Worksheet. Exception cleared. Buyer Comment (2026-07-14): dscr w/s |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408923 | [Redact] | 37545497 | Credit | Guideline | Guideline Issue | Guideline | Gift funds not allowable. | Borrower is first-time investor, gift funds not allowed. | Reviewer Comment (2026-07-15): Prop "[Redacted]" is a [Redacted]unit property and lease agreement supporting the same. Borrower is an experienced investor and hence Gift fund are allowed. Exception Cleared. Buyer Comment (2026-07-14): PER LENDER- [Redacted] Cert of Occupancy for [Redacted] showing it's a [Redacted]unit property. Borrower is an experienced investor. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408925 | [Redact] | 37545505 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-07-02): Acknowledged non material |
07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408925 | [Redact] | 37545506 | Credit | Guideline | Guideline Issue | Guideline | The title search is not clear or items are negatively impacting title. | Title reflects [Redacted] judgments, [Redacted], numerous [Redacted] and [Redacted]. Need proof the judgments and liens have been paid in full prior to closing or updated title omitting. | Reviewer Comment (2026-07-15): As per Title supplement the following Exception in the below title commitment is now marked "OMIT": [Redacted] judgments, [Redacted] PVBs and numerous ECBs. Exception Cleared. Buyer Comment (2026-07-14): Title supplement |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408930 | [Redact] | 37545512 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-07-08): Acknowledged non material |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408889 | [Redact] | 37545543 | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. | The loan file must include documentation detailing the DSCR calculation, such as the 1008, Loan Approval, or a DSCR Calculation Worksheet. | Reviewer Comment (2026-06-22): DSCR Calculation Worksheet received, Exception Cleared. Buyer Comment (2026-06-21): DSCR calc |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408889 | [Redact] | 37545544 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Interest Only not provided | Final Closing Disclosure reflects interest only, and the P&I matches the Note; however, the Note does not reflect interest only nor does rate lock. | Reviewer Comment (2026-07-10): Received Updated Note and [Redacted] confirming the P&I that matches the PCCD. Exception Cleared. Buyer Comment (2026-07-08): Updated Note Buyer Comment (2026-07-08): First payment letter Buyer Comment (2026-07-08): Amortization schedule Reviewer Comment (2026-06-19): Received PCCD dated [Redacted] however P&I on PCCD does not match the P&I on Note. Provide updated Note with P&I corrected. Exception remains. Buyer Comment (2026-06-18): LOE and PCCD Buyer Comment (2026-06-17): This was an error on the CD and is not an Interest Only loan. The note and rate lock are correct (30 year fixed). |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408928 | [Redact] | 37545545 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report is missing for [Redact]. | Reviewer Comment (2026-07-02): Received the Fraud Report. Buyer Comment (2026-07-02): fraud report |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10408928 | [Redact] | 37545546 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | Fraud report (OFAC) is missing for [Redacted]. | Reviewer Comment (2026-07-02): Received the Fraud Report. Buyer Comment (2026-07-02): see fraud report |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10408928 | [Redact] | 37545547 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-23): Acknowledged non-material [Redacted] |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408928 | [Redact] | 37545550 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing in file. | Reviewer Comment (2026-06-30): DSCR: [Redacted]/[Redacted]= [Redacted]. DSCR worksheet received. Exception Cleared. Buyer Comment (2026-06-26): Worksheet |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408928 | [Redact] | 37545551 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Missing evidence of rent loss. Section D refers to loss of use, Loss of use generally refers to covering the tenant's expenses for relocation when they can't stay in the property. Rent loss coverage, on the other hand, compensates the landlord for the income they lose when the property is uninhabitable | Reviewer Comment (2026-07-20): HOI has been received and reflects Loss of Rent coverage of $[Redacted]. Exception Cleared. Buyer Comment (2026-07-17): HOI Reviewer Comment (2026-07-02): The policy provided does not include a rent loss provision. Buyer Comment (2026-06-30): HOI |
07/20/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | A | B | B | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10408948 | [Redact] | 37545552 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-30): Acknowledged non-material EV2 |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408948 | [Redact] | 37545553 | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | The Hazard Insurance Policy's effective date ([Redacted]) and expiration date ([Redacted]) are the same. An updated or rectified Hazard Insurance Policy is required. | Reviewer Comment (2026-07-13): Received HOI Policy with Expiration date corrected. Exception cleared. Buyer Comment (2026-07-10): Updated policy effective [Redacted] -[Redacted] |
07/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408948 | [Redact] | 37545554 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Missing Replacement Cost Estimator. | Reviewer Comment (2026-07-24): Received RCE that covers the shortfall. Exception cleared. Buyer Comment (2026-07-23): RCE Reviewer Comment (2026-07-13): HOI Policy reflects the same dwelling. Provided HOI has a coverage insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] ([Redacted]% of Estimated Cost new) OR provide copy of insurer's replacement cost estimate supporting current coverage amount or shortfall. Exception remains. Buyer Comment (2026-07-10): HOI |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408940 | [Redact] | 37545555 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-30): Acknowledged non-material [Redacted] |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408940 | [Redact] | 37545556 | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date [Redacted], Note Date [Redacted]. Need updated policy. | Reviewer Comment (2026-07-21): Received Current policy that covers the Note date. Exception cleared. Buyer Comment (2026-07-17): current hoi |
07/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10410583 | [Redact] | 37548438 | Compliance | Compliance | State Compliance | Misc. State Level | [Redact] Counseling Agencies Disclosure Not in File | [Redacted] - No evidence of required counseling disclosure language per [Redacted]. | Buyer Comment (2026-08-06): seller accepts; no change to grading. |
08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410585 | [Redact] | 37548441 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. | 08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | Good Faith Redisclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| [Redact] | 10410585 | [Redact] | 37548443 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Diligence is missing the two Loan Estimates from [Redacted]. Please provide for further review. | Reviewer Comment (2026-08-10): [Redacted] received [Redacted] initial LE within 3 business days of application. Buyer Comment (2026-08-07): Please see attached |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redact] | 10410585 | [Redact] | 37548444 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. | Reviewer Comment (2026-08-31): 200-Day moving average and vesting schedule provided. RSU considered and supported. Exception cleared. Buyer Comment (2026-08-27): Please clear this exception based on the documentation uploaded Reviewer Comment (2026-08-10): Per client, RSU earnings were not considered. Exception is still applicable due to excessive DTI. Year-end paystub from [Redacted] confirms annual bonus of $[Redacted]. Diligence has annualized this increasing bonus over 12 months. DTI is excessive due to the RSU earnings being lumped with annual bonus at origination. Reviewer Comment (2026-08-10): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Buyer Comment (2026-08-07): Please clear this based upon responses to the other exceptions |
08/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redact] | 10410585 | [Redact] | 37548445 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Restricted Stock Units (RSU) Income | General QM: Use of Restricted Stock Units (RSU) income requirements not met. | The file was missing the RSU supporting documentation. Please provide the vesting schedule and [Redacted]-day moving average stock price for review. | Reviewer Comment (2026-08-10): Per client, RSU earnings were not considered. Exception cleared. Buyer Comment (2026-08-07): Please see the other response which confirms no RSU income was used to qualify |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10410585 | [Redact] | 37548446 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file was missing the RSU supporting documentation. Please provide the vesting schedule and [Redacted]-day moving average stock price for review. | Reviewer Comment (2026-08-31): 200-Day moving average and vesting schedule provided. Exception cleared. Buyer Comment (2026-08-27): Attached is documentation to support the RSUs. We have also attached a corrected 1003 and 1008 with the update income calc for bonus and the RSU. Below are details on how we arrived at the updated bonus figure of $[Redacted] which is the combination of bonus and the RSUs. The base income remained unchanged and DTI is in line at [Redacted]%: RSU CALCULATION [Redacted]vested (yellow): Most recent [Redacted] month prior to application on [Redacted] [Redacted]vested (green): [Redacted]month period prior to application [Redacted]vested (blue): [Redacted] month prior to application Because there is a decline from [Redacted] to [Redacted]we only use the [Redacted]vested in [Redacted] [Redacted]x [Redacted]/[Redacted]= [Redacted]5 BONUS CALCULATION [Redacted]$[Redacted](from paystub) [Redacted]$[Redacted](from paystub) $[Redacted]+ $[Redacted]= [Redacted]/[Redacted]=$[Redacted] $[Redacted]+$[Redacted]=$[Redacted] Buyer Comment (2026-08-27): Attached is documentation to support the RSUs. We have also attached a corrected 1003 and 1008 with the update income calc for bonus and the RSU. Below are details on how we arrived at the updated bonus figure of $[Redacted] which is the combination of bonus and the RSUs. The base income remained unchanged and DTI is in line at [Redacted]%: RSU CALCULATION [Redacted]vested (yellow): Most recent 12 month prior to application on [Redacted] [Redacted]vested (green): 12 month period prior to application [Redacted]vested (blue): 13-24 month prior to application Because there is a decline from [Redacted]to [Redacted]we only use the [Redacted]vested in [Redacted] [Redacted]x [Redacted]/12 = [Redacted] BONUS CALCULATION [Redacted]$[Redacted](from paystub) [Redacted]$[Redacted](from paystub) $[Redacted]+ $[Redacted]= [Redacted]/24 =$[Redacted] $[Redacted]+$[Redacted]=$[Redacted] Buyer Comment (2026-08-27): Attached is documentation to support the RSUs. We have also attached a corrected 1003 and 1008 with the update income calc for bonus and the RSU. Below are details on how we arrived at the updated bonus figure of $[Redacted] which is the combination of bonus and the RSUs. The base income remained unchanged and DTI is in line at [Redacted]%: RSU CALCULATION [Redacted]vested (yellow): Most recent 12 month prior to application on [Redacted] [Redacted]vested (green): 12 month period prior to application [Redacted]vested (blue): 13-24 month prior to application Because there is a decline from [Redacted] to [Redacted] we only use the [Redacted]vested in [Redacted] [Redacted]x [Redacted]/12 = [Redacted]5 BONUS CALCULATION [Redacted]$[Redacted](from paystub) [Redacted]$[Redacted](from paystub) $[Redacted]+ $[Redacted]= [Redacted]/24 =$[Redacted] $[Redacted]+$[Redacted]=$[Redacted] Buyer Comment (2026-08-27): Attached is documentation to support the RSUs. We have also attached a corrected 1003 and 1008 with the update income calc for bonus and the RSU. Below are details on how we arrived at the updated bonus figure of $[Redacted] which is the combination of bonus and the RSUs. The base income remained unchanged and DTI is in line at [Redacted]%: RSU CALCULATION [Redacted]vested (yellow): Most recent 12 month prior to application on [Redacted] [Redacted]vested (green): 12 month period prior to application [Redacted]vested (blue): 13-24 month prior to application Because there is a decline from [Redacted] to [Redacted] we only use the [Redacted]vested in [Redacted] [Redacted]x [Redacted]/12 = [Redacted] BONUS CALCULATION [Redacted]$[Redacted](from paystub) [Redacted]$[Redacted](from paystub) $[Redacted]+ $[Redacted]= [Redacted]/24 =$[Redacted] $[Redacted]+$[Redacted]=$[Redacted] Buyer Comment (2026-08-27): Attached is documentation to support the RSUs. We have also attached a corrected 1003 and 1008 with the update income calc for bonus and the RSU. Below are details on how we arrived at the updated bonus figure of $[Redacted] which is the combination of bonus and the RSUs. The base income remained unchanged and DTI is in line at [Redacted]%: RSU CALCULATION [Redacted]vested (yellow): Most recent 12 month prior to application on [Redacted] [Redacted]vested (green): 12 month period prior to application [Redacted]vested (blue): 13-24 month prior to application Because there is a decline from [Redacted] to [Redacted] we only use the [Redacted]vested in [Redacted] [Redacted]x [Redacted]/12 = [Redacted]5 BONUS CALCULATION [Redacted]$[Redacted](from paystub) [Redacted]$[Redacted](from paystub) $[Redacted]+ $[Redacted]= [Redacted]/24 =$[Redacted] $[Redacted]+$[Redacted]=$[Redacted] Reviewer Comment (2026-08-10): Per client, RSU earnings were not considered. Exception is still applicable due to excessive DTI. Year-end paystub from [Redacted] confirms annual bonus of $[Redacted]. Diligence has annualized this increasing bonus over 12 months. DTI is excessive due to the RSU earnings being lumped with annual bonus at origination. Buyer Comment (2026-08-07): Please escalate for this to be cleared as-is, RSU income was not used to qualify so there is no missing documentation. While the paystub showed RSUs, it was not used. And while there is an absence of bonus on the YTD paystub, this is because it has not been earned yet this year. Please see the screen shot attached which confirms how we calculated the bonus using previous years amounts and use this to resolve the exception. |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10410585 | [Redact] | 37548447 | 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. | Reviewer Comment (2026-08-31): 200-Day moving average and vesting schedule provided. RSU considered and supported. Exception cleared. Buyer Comment (2026-08-27): Please clear this exception based on the documentation uploaded Reviewer Comment (2026-08-10): Per client, RSU earnings were not considered. Exception is still applicable due to excessive DTI. Year-end paystub from [Redacted] confirms annual bonus of $[Redacted]. Diligence has annualized this increasing bonus over [Redacted] months. DTI is excessive due to the RSU earnings being lumped with annual bonus at origination. Buyer Comment (2026-08-07): Please clear this based upon responses to the other exceptions |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410585 | [Redact] | 37548448 | 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.) | RSU income was not considered and has been removed from the earnings. Year-end paystub from [Redacted] confirms annual bonus of $[Redacted]. Diligence has annualized this increasing bonus over [Redacted] months. DTI is excessive due to the RSU earnings being lumped with annual bonus at origination. | Reviewer Comment (2026-08-31): 200-Day moving average and vesting schedule provided. RSU considered and supported. Exception cleared. Buyer Comment (2026-08-27): Please clear this exception based on the documentation uploaded |
08/31/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| [Redact] | 10410585 | [Redact] | 37548449 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI is excessive due to lender not considering RSU at origination. Only regular bonus earnings have been considered by diligence. | Reviewer Comment (2026-08-31): 200-Day moving average and vesting schedule provided. RSU considered and supported. Exception cleared. Buyer Comment (2026-08-27): Please clear this exception based on the documentation uploaded |
08/31/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| [Redact] | 10410588 | [Redact] | 37548453 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Buyer Comment (2026-08-07): Seller acknowledges the exception, no change to grading. |
08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410588 | [Redact] | 37548455 | 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. | [Redacted]% fee violation due to an increase in Title - Settlement Fee and Title - Notary/Admin Fee. No valid COC was provided for this change, nor evidence of cure. Provide a post-close CD reflecting the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made. | Reviewer Comment (2026-08-13): [Redacted] Received Corrected PCCD and LOE moving title fees to section C. Buyer Comment (2026-08-12): Please see attached PCCD curing the issue. The borrower selected an off list service procvider so these fees have been moved to section C and subject to unlimited tolerance. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | |||||||||
| [Redact] | 10410589 | [Redact] | 37548457 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Buyer Comment (2026-08-13): Seller acknowledges exception, no change in grading |
08/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410594 | [Redact] | 37548470 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Buyer Comment (2026-08-07): Seller acknowledges exception, no change in grading |
08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410595 | [Redact] | 37548474 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reserves were insufficient due to missing source documentation for large deposit on [Redacted] for $[Redacted] into asset account ending [Redacted]. Please provide source documentation for review. | Reviewer Comment (2026-08-31): Received Source of Deposit for $[Redacted] . Exception Cleared. Buyer Comment (2026-08-27): Please see the screen shots attached to source the deposit, we have also included the gift letter. The gift letter is fully completed and only needs to be signed by the donor as the bold print at the top states it should not be transmitted thru the applicant. Please use this to confirm the source of the deposit and clear the exception Reviewer Comment (2026-08-10): Guidelines received and noted, however, they state that deposits > 60 days from application do not require sourcing. The $[Redacted] wire transfer was made to #[Redacted]on [Redacted], which was the same as the application date. In order to consider these funds, they would need to be sourced. Exception remains. Buyer Comment (2026-08-07): Please see the screen shot attached of [Redact] guidelines that confirms large deposits on [Redact] product only need to be sourced when they are inside 60days from closing an exceed [Redacted] of income. The deposit in questions was on [Redacted], meaning it is [Redacted] days from closing and it would only need to be sourced if its a debt, which the borrower did not disclose as such. No additional documentation is needed |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410595 | [Redact] | 37548475 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. | Reviewer Comment (2026-08-31): Received Source of Deposit for $[Redacted] . Exception Cleared. Buyer Comment (2026-08-27): Please clear this based upon the responses Reviewer Comment (2026-08-10): Guidelines received and noted, however, they state that deposits > 60 days from application do not require sourcing. The $[Redacted] wire transfer was made to #[Redacted]on [Redacted], which was the same as the application date. In order to consider these funds, they would need to be sourced. Exception remains. Buyer Comment (2026-08-07): Please clear this based upon the responses |
08/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | 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 | |||||||||
| [Redact] | 10410595 | [Redact] | 37548476 | 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. | Reviewer Comment (2026-08-31): Received Source of Deposit for $[Redacted]. Exception Cleared. Buyer Comment (2026-08-27): Please clear this based upon the responses Reviewer Comment (2026-08-10): Guidelines received and noted, however, they state that deposits > 60 days from application do not require sourcing. The $[Redacted] wire transfer was made to #[Redacted] on [Redacted], which was the same as the application date. In order to consider these funds, they would need to be sourced. Exception remains. Buyer Comment (2026-08-07): Please clear this based upon the responses |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410597 | [Redact] | 37548478 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Buyer Comment (2026-08-13): seller accepts; no change to grading. |
08/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410599 | [Redact] | 37548482 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-12): Seller acknowledges exception, no change to grading. |
08/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410599 | [Redact] | 37548484 | 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 Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was last disclosed as $[Redacted] on the Loan Estimate, but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment (2026-08-21): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-19): Please see attached package mailed to the borrower. |
08/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | 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 | |||||||||
| [Redact] | 10410601 | [Redact] | 37548491 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-06): Seller acknowledges exception, no change to grading. |
08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410601 | [Redact] | 37548492 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Buyer Comment (2026-08-07): Seller acknowledges the exception, no change to grading. |
08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| [Redact] | 10410603 | [Redact] | 37548500 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-06): Seller acknowledges exception, no change to grading. |
08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410603 | [Redact] | 37548501 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-06): Seller acknowledges exception, no change to grading. |
08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410607 | [Redact] | 37548521 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Reviewer Comment (2026-08-13): Closing statement received. Exception cleared. Buyer Comment (2026-08-13): Please see the attached final settlement statement. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redact] | 10410614 | [Redact] | 37548532 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-08-06): Seller acknowledges exception, no change to grading. |
08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410614 | [Redact] | 37548534 | 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. | Loan Discount Points Fee was last disclosed as $[Redacted] on the Loan Estimate, but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made. | Reviewer Comment (2026-08-14): [Redacted] received rebuttal and valid COC document Buyer Comment (2026-08-12): Please see Pg [Redacted] of the loan file which confirms a valid CIC for the LDP decreasing from $[Redacted] to $[Redacted] on [Redacted] due to DTI decreasing which improved the pricing. Then on [Redacted] the interest rate changed from [Redacted] to [Redacted] which increaseed the points. Please reaview to clear this condition. |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | |||||||||
| [Redact] | 10410616 | [Redact] | 37548542 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | The file is missing the fully executed Final Closing Statement for the sale of property located on [Redacted] to verify the total net equity received and that all liens are paid and closed. Please provide for review. | Reviewer Comment (2026-08-10): Closing settlement statement received. Exception cleared. Buyer Comment (2026-08-10): Please see the final settlement statements for both properties attached |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410616 | [Redact] | 37548545 | 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. | [Redacted]% fee violation due to an increase in the Lender's Title Insurance. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment (2026-08-17): [Redacted] received PCCD and LOE Buyer Comment (2026-08-13): Please see redisclosure pkg moving the fee from B to C attached that was mailed today |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | 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 | |||||||||
| [Redact] | 10410616 | [Redact] | 37548546 | 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]). | The Post-Close CD provided removed all lender paid fees from Section B. Total Finance Charge variance is $[Redacted]. | Reviewer Comment (2026-08-17): [Redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing. |
08/17/2026 | No | 2 | B | B | B | B | B | [Redact] | 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 | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| [Redact] | 10410618 | [Redact] | 37548552 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Buyer Comment (2026-08-10): Seller acknowledges exception, no change to grading. |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410619 | [Redact] | 37548555 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The third-party verification for the 1120S was not timestamped. Please provide evidence of when this was obtained by the lender for review. | Reviewer Comment (2026-08-11): Received Third Party document with Timestamped. Exception Cleared. Buyer Comment (2026-08-11): Please see attached confirmation of when the self-employment verification was obtained. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10410619 | [Redact] | 37548556 | 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. | Reviewer Comment (2026-08-11): Received Third Party document with Timestamped. Exception Cleared. Buyer Comment (2026-08-11): Please see attached confirmation of when the self-employment verification was obtained. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410619 | [Redact] | 37548558 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. | Reviewer Comment (2026-08-11): Received Third Party document with Timestamped. Exception Cleared. Buyer Comment (2026-08-11): Please see attached confirmation of when the self-employment verification was obtained. |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | 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 | |||||||||
| [Redact] | 10410619 | [Redact] | 37548559 | 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 credit is short due to missing the Change of Circumstance for the Appraisal Review Fee added on the Closing Disclosure issued [Redacted]. Please provide the Change of Circumstance or cure package for the $[Redacted] tolerance cure required. | Reviewer Comment (2026-08-12): [Redacted] received rebuttal suffice Buyer Comment (2026-08-11): Please re-review the final CD addendum shows lender credits of $[Redacted], the lender credits did not decrease. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | |||||||||
| [Redact] | 10410621 | [Redact] | 37548565 | 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 disclosed an amount financed of $[Redacted]; calculated amount financed is $[Redacted]. Variance is $[Redacted]. | Reviewer Comment (2026-09-03): [Redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing. Buyer Comment (2026-09-02): Confirmed the package now shows shipped Reviewer Comment (2026-08-31): Courier does not yet show the remediation package enroute. New follow up-date is set. Buyer Comment (2026-08-28): Please see attached, cure packet as requested. |
09/03/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | 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 | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redact] | 10410621 | [Redact] | 37548566 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reserves are insufficient due to the file is missing proof of funds used to pay homeowner's insurance premium of $[Redacted] by borrower before closing. Please provide paid invoice, bank statement showing payment clearing account, or equivalent documentation for review. | Reviewer Comment (2026-08-14): Statement with HOI payment clearing not provided. File contains additional assets. HOI premium added as POCB, included in DTI. Exception cleared. |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410621 | [Redact] | 37548568 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. | Reviewer Comment (2026-08-14): Statement with HOI payment clearing not provided. File contains additional assets. HOI premium added as POCB, included in DTI. Exception cleared. |
08/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redact] | 10410621 | [Redact] | 37548569 | 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. | Reviewer Comment (2026-08-14): Statement with HOI payment clearing not provided. File contains additional assets. HOI premium added as POCB, included in DTI. Exception cleared. |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410627 | [Redact] | 37548571 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Buyer Comment (2026-08-07): Seller acknowledges the exception, no change to grading. |
08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| [Redact] | 10410596 | [Redact] | 37548574 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-12): Seller acknowledges exception, no change to grading. |
08/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410596 | [Redact] | 37548576 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reviewer Comment (2026-08-14): Received the final closing disclosure, Exception Cleared. Buyer Comment (2026-08-13): Please see attached, Final CD from the cashout refinance taken prior to close. These funds can be used as assets for this loan. |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redact] | 10410596 | [Redact] | 37548577 | 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. | Reviewer Comment (2026-08-17): Client provided the final closing disclosure to include assets of $[Redacted] from secured loan on REO. Exception cleared. Buyer Comment (2026-08-13): Please see attached, Final CD from the cashout refinance taken prior to close. These funds can be used as assets for this loan. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410596 | [Redact] | 37548578 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. | Reviewer Comment (2026-08-17): Client provided the final closing disclosure to include assets of $[Redacted] from secured loan on REO. Exception cleared. Buyer Comment (2026-08-13): Please see attached, Final CD from the cashout refinance taken prior to close. These funds can be used as assets for this loan. |
08/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redact] | 10410613 | [Redact] | 37548580 | 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. | Loan Discount Points was last disclosed as $[Redacted] on the Loan Estimate, but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment (2026-08-17): [Redacted] received rebuttal and valid COC Buyer Comment (2026-08-14): Loan Discount Points are interest rate dependent, meaning they are not subject to tolerance testing until the rate is locked. The rate was not locked until [Redacted] when $[Redacted] was disclosed and set the baseline. Any amount disclosed on previous LEs when the rate was not locked are not binding. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | |||||||||
| [Redact] | 10410622 | [Redact] | 37548586 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The HELOC agreement and final closing statement dated [Redacted] do not confirm the monthly payment for the [Redacted] opened for this property. Please provide the statement or equivalent documentation to confirm the monthly payment. | Reviewer Comment (2026-08-24): Received Heloc Agreement. Exception Cleared. Buyer Comment (2026-08-20): With the promissory note, we calculated the payment using the terms. See attached. Reviewer Comment (2026-08-19): The HELOC Disclosure and Addendum provided were previously provided. The documents do not disclose the actual monthly payment for the new HELOC. Please provide statement that discloses the monthly payment. Exception remains for additional information. Buyer Comment (2026-08-13): Please see attached |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10410625 | [Redact] | 37548593 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548595 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548596 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548597 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548598 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548599 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548600 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548601 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548602 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548603 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548604 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548605 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548606 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548607 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548608 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548609 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548610 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548611 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548612 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548613 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548614 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410625 | [Redact] | 37548615 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410626 | [Redact] | 37548620 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Buyer Comment (2026-08-14): Seller acknowledges exception, no change to grading. |
08/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| [Redact] | 10410626 | [Redact] | 37548621 | 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 $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender credit was last disclosed as -$[Redacted] on the Loan Estimate but was disclosed as -$[Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment (2026-08-17): [Redacted] received valid rebuttal comment and upon further review, HOA resale certificate fee added with subsequent lender credit on LE and final CD. Buyer Comment (2026-08-14): Please re-review the final closing disclosure, the lender credits did not change on the final CD. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | |||||||||
| [Redact] | 10410610 | [Redact] | 37548625 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | File is missing Verification of Rent / Mortgage. | Reviewer Comment (2026-08-14): Verification of deposit receipts available in file. Exception cleared. Buyer Comment (2026-08-14): Please refer to page [Redacted] and [Redacted]-[Redacted]for confirmation of rent payments. |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10410610 | [Redact] | 37548626 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. | 08/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | Good Faith Redisclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| [Redact] | 10410610 | [Redact] | 37548627 | 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. | Loan Discount Fee was last disclosed as $[Redacted] on the Loan Estimate, but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment (2026-09-03): [Redacted] received a valid COC supporting the fee increase to $[Redacted] on the [Redacted] CD and a subsequent fee increase to $[Redacted] on final CD. As a result, the fee exceeded the applicable tolerance by $[Redacted]. However, the fee tolerance cure was provided along with a Letter of Explanation, Proof of Delivery, Copy of the Refund Check, and a Corrected CD resulting in a cured the exception. Buyer Comment (2026-09-02): Please see the attached package mailed to the borrower. Reviewer Comment (2026-08-26): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: 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. ([Redacted]) Reviewer Comment (2026-08-25): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: 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. ([Redacted]) Reviewer Comment (2026-08-19): [Redacted] received rebuttal comment however, as per COC dated [Redacted] and [Redacted] the discount points were increased to $[Redacted] but as per CDs the portion of the borrower paid points and paid by other is getting changed and as per final CD the borrower has paid $[Redacted] which was increased from $[Redacted] on CD dated [Redacted]. Please provide more information for change in borrower contribution from CD dated [Redacted] to CD dated [Redacted]. Buyer Comment (2026-08-17): Please refer to page [Redacted] showing the valid change in circumstance for the loan points as the loan was restructured when the appraised value came in lower than anticipated. |
09/03/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | 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 | |||||||||
| [Redact] | 10467794 | [Redact] | [Redact] | 37563169 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-14): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-13): Per [Redacted]Tracking# [Redacted], delivered [Redacted] |
10/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10468132 | [Redact] | [Redact] | 37568190 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-01): Collateral delivered on [Redacted] via [Redacted]tracking number [Redacted] |
10/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10468243 | [Redact] | [Redact] | 37568726 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-06): Waived on Rate Lock: Collateral cleared by Custodian |
10/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10468243 | [Redact] | [Redact] | 37707571 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). | Universal Loan Identifier Not Provided. | Reviewer Comment (2026-10-02): ULI provided Seller Comment (2026-10-01): Attached the ULI Number. Please Clear. |
10/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10468240 | [Redact] | [Redact] | 37568741 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-21): (Rate Lock) [Redacted] |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10468240 | [Redact] | [Redact] | 37600101 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redact] and does not reflect a coverage amount (no final title policy). Unable to determine if appropriate coverage is provided. | 09/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10468908 | [Redact] | [Redact] | 37574684 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-28): The collateral was delivered [Redacted] at [Redacted] via [Redacted]trk#[Redacted]. |
09/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10469048 | [Redact] | [Redact] | 37575281 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-09): Waived on Rate Lock: Collateral cleared by Custodian |
10/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10469054 | [Redact] | [Redact] | 37575721 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-14): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-08): (Rate Lock) [Redacted] |
10/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10469062 | [Redact] | [Redact] | 37577155 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-22): (Rate Lock) [Redacted] |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10469062 | [Redact] | [Redact] | 37610424 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | The file is missing documentation from the seller confirming the condo is warrantable. Note: the HOA questionnaire in file from the HOA is not acceptable. | Reviewer Comment (2026-10-05): Lenders condo review form provided Seller Comment (2026-10-01): Attached [Redacted] Condo Review Form for [Redacted]. The completed review reflects Review Decision: Approved, Review Type: FNMA Type Q - Limited Review, FNMA CPM ID [Redacted], and Ineligible Project: No. The review was completed on [Redacted] for loan [Redacted], confirming the project was reviewed and approved as warrantable. Please Clear. Reviewer Comment (2026-09-30): Guideline says 'condo warranty certification must be provided', provided HOA questionnaire and condo review custom page is not confirming condo is warrantable. Please provide the documentation stating condo is warrantable. Exception remains. Seller Comment (2026-09-28): The subject condo is warrantable. [Redacted]'s Condo Review Custom Page reflects Limited Review, Final Condo Review Completed [Redacted], and Condo Review Decision: Approved. The Is Non-Warrantable Project box is not checked. The [Redacted] Approval Certificate also states "Eligible for Limited Condo Review." Based on the completed and approved lender condo review, please waive this finding Reviewer Comment (2026-09-24): Non-warrantable checkbox is not checked. Provide the condo/pud warranty documentation showing 'condo is warrantable'. Exception remains. Seller Comment (2026-09-22): Attached condo review documentation. Page [Redacted] shows [Redacted]'s Condo Review Custom Page with Condo Review Type: Limited Review, Final Condo Review Completed [Redacted], and Condo Review Decision: Approved for [Redacted]. Page [Redacted] contains the [Redacted] Approval Certificate stating "Eligible for Limited Condo Review," and page [Redacted] identifies the property as a Condo with "Is Non-Warrantable Proj No." Pages [Redacted] contain the completed Fannie Mae Form 1076 Condo Project Questionnaire and Addendum. Page [Redacted] of the attached support shows the [Redacted] Underwriting Guide places Limited Review under Warrantable Condominiums. The file contains lender documentation confirming the condo review was completed and approved as warrantable. Please Cancel. |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10469062 | [Redact] | [Redact] | 37610454 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification Appraisal delivered to borrower was not provided. | 09/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10469062 | [Redact] | [Redact] | 37614808 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The property is to be held in a layered entity, which is not acceptable per the guidelines. Client Exception Approval in file. | Miscellaneous 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. |
Experienced investor: [Redacted] properties owned dating to [Redacted]. | Originator Pre-Close,Aggregator [Redact] [Redact] [Redact] |
Reviewer Comment (2026-09-21): Client elected to waive the condition with the following Compensating Factors: [Redacted] LTV where [Redacted] is max. Experienced investor: [Redacted] properties owned dating to [Redacted]. Credit depth: [Redacted]-year credit history including [Redacted]-year mortgage history paid as agreed. |
09/21/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||
| [Redact] | 10469060 | [Redact] | [Redact] | 37577219 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-21): (Rate Lock) [Redacted] |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10469073 | [Redact] | [Redact] | 37578110 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-07): [Redacted]tracking# [Redacted], delivered on [Redacted] |
10/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10469073 | [Redact] | [Redact] | 37731381 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-10-12): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-10-11): Please see uploaded Business Purpose |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10469088 | [Redact] | [Redact] | 37578305 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-06): Waived on Rate Lock: Collateral cleared by Custodian |
10/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10469944 | [Redact] | [Redact] | 37583858 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-07): collateral shipped via [Redacted]trk#[Redacted], delivered [Redacted], [Redacted] |
10/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10469944 | [Redact] | [Redact] | 37740234 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. | Reviewer Comment (2026-10-08): Received and associated Business Purpose Certificate. Exception Cleared Seller Comment (2026-10-07): Please find attached Business Purpose |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10399674 | [Redact] | 37600810 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment (2026-08-13): EV1. |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10399674 | [Redact] | 37600812 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Per final 1003, borrower is Permanent Resident Alien; however, supporting documentation required was not provided. | Reviewer Comment (2026-08-13): Borrower is a US Citizen, Updated 1003 provided in file, Exception cleared. Buyer Comment (2026-08-11): borrower is a US citizen- corrected 1003 |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10399586 | [Redact] | 37600818 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Documentation of payoff is not provided. Per guidelines, collections and charge-offs can be left open when mortgages are paid as agreed and LTV is [Redacted]% or less. The LTV is [Redacted]%. | Reviewer Comment (2026-08-18): Collections and charge-offs may remain open unless title is impacted, provided the loan is within the program max LTV/CLTV Buyer Comment (2026-08-13): based on the matrix/guidelines dated [Redacted] which is what we are using, collections and charge off's may remain open unless title is impacted, there are not title issues with this file so this should be cleared. The G/L's you are citing - TPR is from [Redacted]. This is an invalid condition, please clear |
08/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10399586 | [Redact] | 37600819 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Documentation of payoff is not provided. Per guidelines, collections and charge-offs can be left open when mortgages are paid as agreed and LTV is [Redacted]% or less. The LTV is [Redacted]%. | Reviewer Comment (2026-08-18): Collections and charge-offs may remain open unless title is impacted, provided the loan is within the program max LTV/CLTV Buyer Comment (2026-08-13): based on the matrix/guidelines dated [Redacted] which is what we are using, collections and charge off's may remain open unless title is impacted, there are not title issues with this file so this should be cleared. The G/L's you are citing - TPR is from [Redacted]. This is an invalid condition, please clear |
08/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10464902 | [Redact] | 37619259 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 09/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10464902 | [Redact] | 37621086 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Housing History verification not met. LOE states rent was paid in cash. Guidelines require [Redacted] months of bank statements or canceled checks are required. Lender exception in loan file. | Borrower has verified disposable income of at least $[Redacted]. Borrower has been employed in the same industry for more than [Redacted] years. 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. |
Residual income of $[Redacted] monthly. | [Redact],Aggregator [Redact] [Redact] [Redact] |
Reviewer Comment (2026-09-24): Client elected to waive the condition with the following Comp Factors: Residual income of $[Redacted] monthly. |
09/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10464918 | [Redact] | 37615130 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify any HOA dues. Note: If there are no HOA dues, a LOE from the borrower is sufficient. | Reviewer Comment (2026-10-09): Proof there are no HOA dues provided Seller Comment (2026-10-05): I have updated the REO screen to show no positive cash flow. As you can see I entered the mortgage amount of $[Redacted] and rent the same at 100% calculation for the system to read has zero positive cash flow. The [Redacted]Estimate attached is $[Redacted] monthly which exceeds. Neither the [Redacted]or [Redact] implies the property is in an HOA. The LOX for no HOA is something we do ask for during processing but isn't part of the guidelines to my knowledge. Our DTI is [Redacted]% below program max. We also have [Redacted] months reserves which covers unleased departure rents extra [Redacted] months reserve requirement. Seller Comment (2026-10-05): pp Seller Comment (2026-10-05): prop profile Reviewer Comment (2026-10-05): The documentation mentioned in the lender's rebuttal that verified there were no HOA dues is required to be provided. The LOE is an acceptable doc to clear the condition, but not the only doc. All REO's will be conditioned for proof of HOA dues if not in the initial file. Condition remains Seller Comment (2026-10-02): Neither the [Redacted]or [Redact] implies the property is in an HOA. The LOX for no HOA is something we do ask for during processing but isn't part of the guidelines to my knowledge. Our DTI is [Redacted]% below program max. We also have [Redacted] months reserves which covers unleased departure rents extra [Redacted] months reserve requirement |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10464918 | [Redact] | 37615149 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Reviewer Comment (2026-10-09): Third party rent verification provided |
10/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10464918 | [Redact] | 37615150 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank [Redacted]): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | Missing Lease Agreement or other documentation to verify monthly rental income for the departure residence. Per the final 1003, net rental income of $[Redacted] was used to qualify. . | Reviewer Comment (2026-10-09): Third party rent verification provided |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10464918 | [Redact] | 37615152 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [Redacted]): General Ability-to-Repay requirements not satisfied. | Missing Lease Agreement or other documentation to verify monthly rental income. | Reviewer Comment (2026-10-09): Third party rent verification provided |
10/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10464918 | [Redact] | 37615162 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted], or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-10-12): RCE provided. Exception cleared. Seller Comment (2026-10-12): RCE attached |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10464919 | [Redact] | 37622021 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted] | Buyer Comment (2026-09-26): Initial and Final Grade B, accepted |
09/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10464913 | [Redact] | 37621915 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | - ___ | Paid To on the Closing Disclosure reflects UTD. | Buyer Comment (2026-09-26): Initial and Final Grade B. accepted. |
09/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10464913 | [Redact] | 37625745 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 09/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10464913 | [Redact] | 37692925 | 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 (2026-09-26): Sufficient Cure Provided At Closing |
09/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10464921 | [Redact] | 37622362 | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB 1894 | [Redacted] Predatory Lending Database Program ([Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption was not attached to the mortgage for recording. | Reviewer Comment (2026-10-09): Cert of Compliance provided Seller Comment (2026-10-05): attached |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10464931 | [Redact] | 37625844 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify any HOA Dues. Note: If there are no HOA Dues, a LOE from the borrower is sufficient. | Reviewer Comment (2026-10-02): Proof of HOA dues provided Seller Comment (2026-09-30): REO docs |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10464861 | [Redact] | 37621140 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-09-24): Initial and Final Grade B, accepted |
09/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10464873 | [Redact] | 37620546 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | Reviewer Comment (2026-09-28): Lenders project review provided Seller Comment (2026-09-25): complete condo form |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10464896 | [Redact] | 37621149 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on the subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-09-24): Initial and Final Grade B, accepted |
09/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10464905 | [Redact] | 37692926 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Down Payment % from Borrower Own Fund. | Calculated Down Payment % of Borrower Own Funds of ___ is less than Guideline Down Payment % of Borrower Own Funds of ___. | [Redacted]% Borrower contribution required for LTV >[Redacted]%. Lender exception approval in loan file to use newer guidelines that state there is no minimum required for [Redacted]% LTV. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. 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. 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. The qualifying DTI on the loan is less than or equal to [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. The representative FICO score is above [Redacted]. |
[Redacted] months reserves, DTI [Redacted]% |
[Redact],Originator Pre-Close,Aggregator [Redact] [Redact] [Redact] [Redact] Originator Pre-Close,Aggregator,[Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-09-28): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves, DTI [Redacted]% |
09/28/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10464908 | [Redact] | 37684565 | 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 (2026-09-24): Sufficient Cure Provided At Closing |
09/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10464908 | [Redact] | 37692927 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Max LTV for a loan amount > $[Redacted] is [Redacted]%. Lender exception approval in file for [Redacted]% LTV. | 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. 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. The qualifying DTI on the loan is less than or equal to [Redacted]%. The representative FICO score is above [Redacted]. |
Residual income of $[Redacted] monthly. | [Redact],Aggregator [Redact] [Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-09-28): Client elected to waive the condition with the following Comp Factor: Residual income of $[Redacted] monthly |
09/28/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10464908 | [Redact] | 37696998 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Max CLTV for a loan amount > $[Redacted] is [Redacted]%. Lender exception approval in file for [Redacted]% CLTV. | 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. 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. The qualifying DTI on the loan is less than or equal to [Redacted]%. The representative FICO score is above [Redacted]. |
Residual income of $[Redacted] monthly. | [Redact],Aggregator [Redact] [Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-09-28): Client elected to waive the condition with the following Comp Factor: Residual income of $[Redacted] monthly |
09/28/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10464942 | [Redact] | 37622886 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-09-26): Initial and Final Grade B, accepted |
09/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10464915 | [Redact] | 37624525 | 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 (2026-09-23): Sufficient Cure Provided At Closing |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10464915 | [Redact] | 37702922 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify any HOA dues. Note: If there are no HOA dues, a LOE from the borrower is sufficient. | Reviewer Comment (2026-10-09): HOA verification provided Seller Comment (2026-10-05): pp Seller Comment (2026-10-05): There isn't any indication it has HOA fee Property built in [Redacted]. Property profile show it is SFR. |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10464946 | [Redact] | 37679430 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | Reviewer Comment (2026-10-05): Lender project review provided Seller Comment (2026-10-01): complete condo form |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10464923 | [Redact] | 37624771 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Report in file did not disclose the amount of title insurance coverage. Provide a copy of the Final Title Policy or an addendum to the Preliminary Report verifying title insurance of at least the loan amount. | 09/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10464932 | [Redact] | 37624883 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 09/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10464927 | [Redact] | 37626193 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of the Insurance Verification. | Reviewer Comment (2026-10-01): Received verification of hoi.Exception cleared. Seller Comment (2026-10-01): REO insurance |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10464927 | [Redact] | 37626206 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Report in file did not disclose the amount of title insurance coverage. Provide a copy of the Final Title Policy or an addendum to the Preliminary Report verifying title insurance of at least the loan amount. | 09/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10464927 | [Redact] | 37679206 | 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 (2026-09-24): Sufficient Cure Provided At Closing |
09/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10464927 | [Redact] | 37679235 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrowers have [Redacted] VISA without EAD. Lender exception in loan file | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. The representative FICO score is above [Redacted]. |
Residual income of $[Redacted] monthly. | [Redact],Aggregator [Redact] [Redact] [Redact] |
Reviewer Comment (2026-09-28): Client elected to waive the condition with the following Comp Factors: Residual income of [Redacted] monthly. Payment savings of [Redacted]% a month. |
09/28/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10464940 | [Redact] | 37678460 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-09-30): Initial and Final Grade B, accepted. |
09/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10464945 | [Redact] | 37626038 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification Appraisal delivered to borrower was not provided. | 09/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10464945 | [Redact] | 37626039 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" Appraisal Disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-09-30): Initial and Final Grade B, accepted. |
09/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10464945 | [Redact] | 37627473 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Delayed financing transaction and loan was approved using the appraised value instead of the purchase price of $[Redacted] for the LTV. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
reserves [Redacted] FICO [Redacted] |
[Redact],Aggregator Aggregator,[Redact] |
Reviewer Comment (2026-10-02): Client elected to waive the condition with the following Comp Factors: reserves [Redacted], FICO [Redacted] |
10/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10464892 | [Redact] | 37678857 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" Appraisal Disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-09-30): Initial and Final Grade B, accepted. |
09/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10464869 | [Redact] | 37679019 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" Appraisal Disclosure to applicant within three (3) business days of application or determination of First Lien Status. | Buyer Comment (2026-09-30): Initial and Final Grade B, accepted. |
09/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10464880 | [Redact] | 37679223 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide 'Right to Receive a Copy' Appraisal Disclosure to applicant within three (3) business days of application or determination of First Lien Status. | Buyer Comment (2026-09-30): Initial and Final Grade B, accepted. |
09/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10464890 | [Redact] | 37625837 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide the "Right to Receive a Copy" Appraisal Disclosure to the applicant within three (3) business days of application or determination of First Lien status. | Buyer Comment (2026-09-25): Initial and Final Grade B, accepted |
09/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10464901 | [Redact] | 37624639 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" Appraisal Disclosure to applicant within three (3) business days of application or determination of First Lien status. | Buyer Comment (2026-09-30): Initial and Final Grade B, accepted. |
09/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10464937 | [Redact] | 37626384 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-09-24): Initial and Final Grade B, accepted |
09/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10464898 | [Redact] | 37680062 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of First Lien status. | Buyer Comment (2026-09-30): Initial and Final Grade B, accepted. |
09/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10464885 | [Redact] | 37626419 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" Appraisal Disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-09-30): Initial and Final Grade B, accepted. |
09/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10464910 | [Redact] | 37679294 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide the "Right to Receive a Copy" Appraisal Disclosure to the applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-09-30): Initial and Final Grade B, accepted. |
09/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10464891 | [Redact] | 37628811 | 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. | The Title Policy Amount of $[Redacted] is less than the Note Amount of $[Redacted] based on the Preliminary in file. | 09/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10464891 | [Redact] | 37628828 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | The Hazard Insurance Policy was not found in file. | Reviewer Comment (2026-10-05): HOI dec page provided Seller Comment (2026-09-30): HOI |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10464891 | [Redact] | 37679665 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" Appraisal Disclosure to applicant within three (3) business days of application or determination of First Lien status. | Buyer Comment (2026-09-30): Initial and Final Grade B, accepted. |
09/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10464895 | [Redact] | 37628740 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Initial Right to Receive Copy of Appraisal was not found in the file. | Buyer Comment (2026-09-30): Initial and Final Grade B, accepted. |
09/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10464941 | [Redact] | 37680540 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance policy was not found in file. | Reviewer Comment (2026-10-05): HOI dec page provided Seller Comment (2026-09-30): HOI |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10464941 | [Redact] | 37680630 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" Appraisal Disclosure to applicant within three (3) business days of application or determination of First Lien Status. | Buyer Comment (2026-09-30): Initial and Final Grade B, accepted. |
09/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10464935 | [Redact] | 37626079 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-09-24): Initial and Final Grade B, accepted |
09/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10453955 | [Redact] | 37611681 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): 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 (2026-03-23): Accepted as is. |
03/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10453948 | [Redact] | 37611685 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Insurance Verification, Statement and Tax Verification not provided | 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 guideline required amount by the equivalent of [Redacted] months PITIA or more. 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. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redact] [Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-07-13): Buyer accepts the unsigned final 1003. Reviewer Comment (2026-04-27): Due to the property being removed from the final 1003, the borrower's signature is required on the updated 1003. Buyer Comment (2026-04-27): Comment from [Redacted]: [Redacted]: Please note that the borrower signature is not required, as the terms of their loan did not change. The loan was qualified being more conservative, using the estimated PITIA for [Redacted], but after our subject loan closed, the purchase of the REO property fell through. The borrower's DTI improves if the PITIA for [Redacted] is removed from the ratios, but the borrower signature would not be required. At the time of closing, the borrower signed the 1003 accurately, as they assumed the purchase of the REO property was still going to close as planned. A new signature is not required just because the REO loan was rejected. Reviewer Comment (2026-04-23): Provide updated 1003 with borrower signature. Exception remains. Seller Comment (2026-04-23): Comment from [Redacted]: [Redacted]: Please see the updated 1003 and 1008. Reviewer Comment (2026-04-22): As per Final 1003,Monthly P&I of $[Redacted] for the property [Redacted], [Redacted] is included in DTI.As per Approval and Denial Letter of [Redacted], [Redacted] loan was rejected. Please provide Updated 1003 and 1008. Exception remains. Buyer Comment (2026-04-21): Comment from [Redacted]: [Redacted]: There is no closing disclosure or first payment letter, as the purchase did not close. The denial letter was provided in the original response to confirm that the loan was denied, along with the confirmation that the loan was in "Rejected" status. Reviewer Comment (2026-04-17): Provide First payment letter/Closing disclosure. Exception remains. Seller Comment (2026-04-17): Comment from [Redacted]: [Redacted]: Please note that [Redacted] was being purchased by the borrower at the same time as the subject transaction, however, the purchase was never closed. Please see the attached approval letter for the loan confirming the rejected status as of [Redacted], along with the denial letter confirming the purchase did not go through. |
07/13/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10453948 | [Redact] | 37611690 | 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 (2026-04-13): [Redacted] received [Redacted] Initial CD, 3 business days prior to the consummation. Seller Comment (2026-04-10): Comment from [Redacted]: Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on [Redacted] and the mailbox rule was applied. This meets the 7 business days before the closing date of [Redacted] |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10453948 | [Redact] | 37611691 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-16): Enhanced Review order cancelled by the client. |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10453948 | [Redact] | 37611693 | 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 (2026-04-09): Sufficient Cure Provided At Closing |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10453948 | [Redact] | 37611694 | 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 (2026-04-09): Sufficient Cure Provided At Closing |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10453930 | [Redact] | 37611695 | 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 (2026-04-21): Sufficient Cure Provided At Closing |
04/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10453930 | [Redact] | 37611696 | 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 (2026-04-21): Sufficient Cure Provided At Closing |
04/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10453930 | [Redact] | 37611697 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-04-21): Accepted as is. |
04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10453909 | [Redact] | 37611702 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): 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 (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10453956 | [Redact] | 37611704 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-11): Clearing based on review coming back within tolerances. |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10453956 | [Redact] | 37611708 | 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. | Reviewer Comment (2026-06-24): [Redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing. Seller Comment (2026-06-23): Comment from [Redacted]: The cure check and proof of mailing were on Page [Redacted] and [Redacted] of the prior attachment, also attached here. Reviewer Comment (2026-06-23): [Redacted] received Corrected CD, final settlement statement and LOE to borrower. Missing copy of the $[Redacted] cure refund check and proof of mailing to finalize cure. Seller Comment (2026-06-22): Comment from [Redacted]: PCCD Reviewer Comment (2026-06-17): Finance charge calculation consists of Verification Fees of $[Redacted], Insurance certificate of $[Redacted], HOA Certification - $[Redacted], LDP - $[Redacted], MERs - $[Redacted], Interest - $[Redacted], Processing Fee - $[Redacted], Title - courier $[Redacted], Title - Signing Fee $[Redacted], Title - Escrow Fee $[Redacted] and Under writing Fee of $[Redacted]. Buyer Comment (2026-06-16): Comment from [Redacted]: Can you please explain where the $[Redacted] cure is coming from? What fees are associated with this besides the $[Redacted] Mobile Signing Fee? Reviewer Comment (2026-06-16): If the fee disclosed represents a notary, travel and signing fee lumped together, the total would be considered a finance charge unless it can be demonstrated which portion was allocated for which service. While notary fees (for notarial action) paid to a third party may be excluded from finance charge under 1026.4(c)(7), a signing fee would not be considered excludable. If this fee represents a notary and signing fee lumped together, the total would be considered a finance charge. Please provide an explanation for the purpose of the entire amount of the loan doc signing fee. finance charge, after certificate refund, remains under disclosed in the amount of $[Redacted]. Seller Comment (2026-06-15): Comment from [Redacted]: Please see attached email from title. What additional clarification would you need? Thank you. Reviewer Comment (2026-06-12): Please provide documentation of the portion of the mobile singing fee that allocated to notarial action, signing fee and mobile fee in order to address the portions of the fee that are not subject to calculations as a finance charge. Seller Comment (2026-06-11): Comment from [Redacted]: Please see attached corrected CD. Regarding the Mobile Notary Fee, we do not which portion is for notarizing documents. We will reach out to the settlement agent. However, how would you like us to phrase the question to the settlement agent so we can get you the appropriate response? Thank you. Reviewer Comment (2026-06-11): [Redacted] received [Redacted] Corrected CD, Amended Final Master Statement, LOE, copy of cure refund of $[Redacted], proof of mailing and lender LOX that states the Insurance Certficate Fee was refund to borrower because the certificate was never ordered and thus removed from the PCCD. However, the Amended Final Master Statement still reflects that the borrower was charged this fee, which shows under NEW LOAN CHARGES as "Insurance Certificate Fee" to Class Valuation for $[Redacted]. If this fee was not charged borrower, the Final Settlement Statement should be updated accordingly. PCCD should match the final settlement statement on fees. Otherwise if it was charged borrower, it should be included on the Corrected CD and also shown as a Cure refund in Section J and LOE to borrower explaining correction. This is a finance charge fee if charged to borrower and should be listed and tested and match to the final settlement statement. In regard to the Title-Mobile notary fee. This is the fee name listed on the final master settlement statement. While notary fees are excluded from finance charges and APR calculations, only the notary fee portion is excludable but signing fees and mobile services are not and these would be included as finance charges. Commentary to Regulation Z 1026.4(e)(1) provides: 1. Notary fees. In order for a notary fee to be excluded under 1026.4(e)(1), all of the following conditions must be met: The document to be notarized is one used to perfect release, or continue a security instrument and the document is required by law to be notarized. iii. A notary is considered a public official under applicable law. If lender/notary can provide documentation identifying which portion of charge is for notarizing documents, we can exclude this portion from finance charges. Seller Comment (2026-06-10): Comment from [Redacted]: Please see attached. Reviewer Comment (2026-06-05): [Redacted] received copy of cure refund check for [Redacted]. Missing the requested Corrected CD which should reflect the cure refund in Section J per regulations, LOE to borrower explaining the violation and cure and proof of mailing. [Redacted] received copy of cure refund check for [Redacted]. Missing the requested Corrected CD which should reflect the cure refund in Section J per regulations, LOE to borrower explaining the violation and cure and proof of mailing. Corrected CD should add back the Insurance Certficate fee of [Redacted] that was chaarged the borrower and shown on the Final Settlement Statement, which is being refunded in the cure. Seller Comment (2026-06-03): Comment from [Redacted]: Cure Check Reviewer Comment (2026-06-03): [Redacted] received [Redacted] Corrected CD. This PCCD has updated the seller credit to pay portion allocated and paid the discount points. However, the Insurance Certificate Fee of [Redacted] was removed and no proof of the refund, as noted on the LOE to borrower, was provided Please provide Corrected CD reflecting the cure refund, LOE to borrower, copy of cure refund of [Redacted] and proof of mailing for this fee. Upon receipt, can update the discount points to seller paid credit and the cure for the Ins Certificate to cure. Seller Comment (2026-06-02): Comment from [Redacted]: PCCD Reviewer Comment (2026-05-27): Provided closing statement indicates LDP in the amount of [Redacted] were paid by the borrower. Cure requires PCCD, LOE, copy of refund check and proof of mailing. Seller Comment (2026-05-26): Comment from [Redacted]: Final Settlement Statement Reviewer Comment (2026-05-20): PCCD shows a change in payor for the Discount points, from borrower to seller, however, the closing statement in file does not support this change. Please provide final closing statement signed and stamped, for review. Seller Comment (2026-05-19): Comment from [Redacted]: CD |
06/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | 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 | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10453956 | [Redact] | 37611710 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-05-06): Accepted as is. |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10453957 | [Redact] | 37611711 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10453957 | [Redact] | 37611712 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10453934 | [Redact] | 37611716 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10453934 | [Redact] | 37611717 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Provide Closing Disclosure, insurance verification and HOA for new purchase. | Reviewer Comment (2026-05-13): Received Closing Disclosure, Insurance Verification and HOA Verification. Exception cleared. Seller Comment (2026-05-13): Comment from [Redacted]: uploaded requested docs |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10453934 | [Redact] | 37611718 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Provide Final Closing Disclosure and lease agreement for new purchase. | Reviewer Comment (2026-05-13): Received the Comparable Rent Schedule and Closing Disclosure reflecting a conforming PITIA amount. Exception cleared. Seller Comment (2026-05-13): Comment from [Redacted]: requested docs uploaded |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10453934 | [Redact] | 37611719 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [Redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| [Redact] | 10453925 | [Redact] | 37611721 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Reviewer Comment (2026-06-05): Business purpose cert received Reviewer Comment (2026-06-01): Require signed Business Purpose Certificate. Exception remains. Seller Comment (2026-06-01): Comment from [Redacted]: Business Purpose cert |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||||
| [Redact] | 10453925 | [Redact] | 37611723 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-06-01): Received Insurance Verification, Tax Verification. Exception cleared. Seller Comment (2026-06-01): Comment from [Redacted]: Tax cert and HOI |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | |||||||||||
| [Redact] | 10453925 | [Redact] | 37611724 | Compliance | TRID | General | TRID | Temporary Buydown paid to a party other than the lender. | - | Temporary buydown terms paid by consumer or paid by other and reflected in the credit contract were not accounted for accurately in disclosures provided to consumer. | Reviewer Comment (2026-05-28): Received corrected CD and LOE. Fee is not a buydown |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10453925 | [Redact] | 37611725 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | File does not evidence that the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Reviewer Comment (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10453925 | [Redact] | 37611726 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10453925 | [Redact] | 37611727 | Compliance | Compliance | Federal Compliance | Compliance | Buydown Subsidy Collected Greater Than Buydown Terms - Buydown Terms Considered | Total Buydown Amount collected on HUD/CD $[Redacted] does not match Buydown Subsidy of $[Redacted] required per terms of Buydown Agreement Payment Schedule. Refund/credit of overage may be required to meet terms of buydown agreement. Any discrepancy may impact accuracy of TILA disclosures and validity of compliance points and fees findings. | Temporary buydown terms paid by consumer or paid by other and reflected in the credit contract were not accounted for accurately in disclosures provided to consumer. | Reviewer Comment (2026-05-28): Received corrected CD and LOE. Fee is not a buydown Seller Comment (2026-05-28): Comment from [Redacted]: Please find the LOE and both signed CD's from the scanned package as miscellaneous to the [Redact] was correct. Reviewer Comment (2026-05-26): Please provide a letter of explanation, PCCD and final settlement statement confirming fee was actually paid to the county Buyer Comment (2026-05-26): Comment from [Redacted]: The $[Redacted] was incorrectly shown as a buydown fee instead a fee to the county for sewer maintenance, trash collection. Will a PCCD correcting the fee name resolve this? |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10453925 | [Redact] | 37611728 | Compliance | Compliance | Federal Compliance | Compliance | Temporary Buydown Agreement Missing | Temporary Buydown Agreement Missing from File. Unable to source buydown terms from alternate documents in file. | Temporary Buydown Agreement is missing from file. Unable to source buydown terms from alternate documents in file. | Reviewer Comment (2026-05-28): Received corrected CD and LOE. Fee is not a buydown |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10453925 | [Redact] | 37611729 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Temporary Buydown Terms Not Reflected on Disclosures Test | TRID: Terms on CD disclosed incorrectly. Temporary buydown terms paid by consumer or paid by other and reflected in the credit contract not accounted for accurately in disclosures provided to consumer. | Terms on Closing Disclosure were disclosed incorrectly. Temporary buydown terms paid by consumer or paid by other and reflected in the credit contract were not accounted for accurately in disclosures provided to consumer. | Reviewer Comment (2026-05-28): Received corrected CD and LOE. Fee is not a buydown |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) | C | B | C | A | C | B | A | A | N/A | N/A | Yes | |||||||||
| [Redact] | 10453925 | [Redact] | 37611730 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Interest Rate Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the Interest Rate can change. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the interest rate can change. | Reviewer Comment (2026-05-28): Received corrected CD and LOE. Fee is not a buydown Buyer Comment (2026-05-28): Comment from [Redacted]: Please clarify where you are seeing this as the loan was locked and rate hasn't changed since before closing. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | N/A | N/A | Yes | |||||||||
| [Redact] | 10453925 | [Redact] | 37611731 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Principal and Interest Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the Principal and Interest Payment can change. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the principal and interest payment can change. | Reviewer Comment (2026-05-28): Received corrected CD and LOE. Fee is not a buydown Buyer Comment (2026-05-28): Comment from [Redacted]: Please clarify where you are seeing this as the loan was locked and rate hasn't changed since before closing. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | N/A | N/A | Yes | |||||||||
| [Redact] | 10453925 | [Redact] | 37611732 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan Estimate was not delivered or placed in the mail to borrower(s) within three (3) business days of application. | Reviewer Comment (2026-05-26): [Redacted] Received Initial LE dated[Redacted]. Seller Comment (2026-05-22): Comment from [Redacted]: LE [Redacted] Reviewer Comment (2026-05-22): [Redacted] received LE and disclosures summary but the timing for the LE under § 1026.19(e)(1)(iii) is three business days from application. Initial LE issued [Redacted]; On this loan, the LE should have been issued within 3 business days of the broker application date of [Redacted] as per 1003 ([Redacted]) Seller Comment (2026-05-21): Comment from [Redacted]: Initial LE with delivery |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10453925 | [Redact] | 37611734 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Loan is in the name of an LLC and is not salable to the agencies. | Reviewer Comment (2026-06-05): Loan program flipped to expanded prime Reviewer Comment (2026-05-27): FNMA doesn't allow the borrower to be a business entity. Please provide FNMA guidelines that you show allow this. Seller Comment (2026-05-27): Comment from [Redacted]: UW confirmed could close in LLC prior to closing |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | |||||||||||
| [Redact] | 10453921 | [Redact] | 37611748 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-06-03): Accepted as is. |
06/03/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| [Redact] | 10453921 | [Redact] | 37611749 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Missing Page 4 of 5 of Final Closing Disclosure. | Reviewer Comment (2026-06-04): [Redacted] received complete final CD. Seller Comment (2026-06-03): Comment from [Redacted]: CD |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| [Redact] | 10453921 | [Redact] | 37611750 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Missing Page 4 of 5 of Final Closing Disclosure. | Reviewer Comment (2026-06-04): [Redacted] received complete final CD. |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| [Redact] | 10453921 | [Redact] | 37611752 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan contains Negative Amortization. | Missing Page 4 of 5 of Final Closing Disclosure. | Reviewer Comment (2026-06-04): [Redacted] received complete final CD. |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| [Redact] | 10453921 | [Redact] | 37611753 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Missing Page 4 of 5 of Final Closing Disclosure. | Reviewer Comment (2026-06-04): [Redacted] received complete final CD. |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| [Redact] | 10453921 | [Redact] | 37611754 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose the Monthly Escrow Payment. | Missing Page 4 of 5 of Final Closing Disclosure. | Reviewer Comment (2026-06-04): [Redacted] received complete final CD. |
06/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| [Redact] | 10453921 | [Redact] | 37611755 | 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. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-05): [Redacted] received updated LE and valid changed circumstance. Seller Comment (2026-06-03): Comment from [Redacted]: COC LE for the pricing update due to Fico Change increasing discount points |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | Non QM | Exempt from ATR | Yes | |||||||||
| [Redact] | 10453919 | [Redact] | 37611765 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-06-09): Accepted as is per client. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10453919 | [Redact] | 37611766 | 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 Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Cure provided at closing, however the cure cannot be applied to this fee until all tolerance violations have been cured. | Reviewer Comment (2026-06-18): Cured at closing or within 60 days of consummation prior to TPR review Seller Comment (2026-06-17): Comment from [Redacted]: Please see the final CD that was included in the initial loan delivery the lender cured the [Redacted] Attorney fee. The survey fee is showing in C. There should be no cure for this service provider list shows a different Survey company. Please advise, thank you. |
06/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10453919 | [Redact] | 37611767 | 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. | 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. | Reviewer Comment (2026-06-26): [Redacted] Received LOA stating title company required the survey. Seller Comment (2026-06-25): Comment from [Redacted]: Attestation attached Reviewer Comment (2026-06-23): [Redacted] received rebuttal, however we require attestation confirming whether lender or title company required 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 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. Buyer Comment (2026-06-22): Comment from [Redacted]: There should be no cure for this, the survey fee was outsourced by the borrower's chosen service provider. Please waive the suspense. Thank you. Reviewer Comment (2026-06-18): [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. Buyer Comment (2026-06-17): Comment from [Redacted]: The survey fee is showing in C. There should be no cure for this service provider list shows a different Survey company. Can you please escalate the suspense for me? |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10453919 | [Redact] | 37611769 | 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 Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-26): Sufficient Cure Provided At Closing |
06/26/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| [Redact] | 10453931 | [Redact] | 37611772 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-08): Cleared based on review coming back within tolerances |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10453931 | [Redact] | 37611774 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | [Redacted]. HOI effective must be before or on Note date. | 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. |
[Redact] [Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-07-07): LOE of no claims received. Seller Comment (2026-07-07): Comment from [Redacted]: No claims LOX |
07/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10453942 | [Redact] | 37611783 | 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 (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10453908 | [Redact] | 37611785 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Need the most recent statement for both the [Redacted] Savings account and the [Redacted] account. | Reviewer Comment (2026-07-09): Received additional bank statements included in assets. Available for Closing is sufficient to cover Cash From Borrower. Exception cleared. Seller Comment (2026-07-08): Comment from [Redacted]: Please see additional bank statement for[Redacted] with a balance of $[Redacted]to add with the previous [Redacted] statements sent. Reviewer Comment (2026-07-08): Statements provided. Borrower is still short funds to close. Exception remains. Seller Comment (2026-07-08): Comment from [Redacted]: Please see the attached documents. The account with [Redacted] was removed. The borrower provided [Redacted] months bank statements for [Redacted]. Large deposit of $[Redacted]was removed from the ending balance for the [Redacted]. Please see updated 1003 and 1008. Assets are sufficient. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| [Redact] | 10453908 | [Redact] | 37611786 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Need the most recent statement for both the [Redacted] Savings account and the [Redacted] account. | Reviewer Comment (2026-07-09): Received additional bank statements included in assets. Available for reserves is sufficient to meet guideline reserves requirement. Exception cleared. Seller Comment (2026-07-08): Comment from [Redacted]: Please see additional bank statement for[Redacted] with a balance of $[Redacted]to add with the previous [Redacted] statements sent. Reviewer Comment (2026-07-08): Statements provided. Borrower is still short reserves. Exception remains. Seller Comment (2026-07-08): Comment from [Redacted]: Please see the attached documents. The account with [Redacted] was removed. The borrower provided [Redacted] months bank statements for [Redacted]. Large deposit of $[Redacted]was removed from the ending balance for the [Redacted]. Please see updated 1003 and 1008. Assets are sufficient. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| [Redact] | 10453943 | [Redact] | 37611789 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification, Tax Verification for REO [Redacted] was not provided in file. | Reviewer Comment (2026-06-11): Received Insurance Verification, Tax Verification. Exception cleared. Seller Comment (2026-06-11): Comment from [Redacted]: REO |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10453943 | [Redact] | 37611791 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is missing for vesting. | Reviewer Comment (2026-06-15): Operating Agreement provided. Cleared. Seller Comment (2026-06-15): Comment from [Redacted]: Operating Agreement |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| [Redact] | 10453906 | [Redact] | 37611792 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-10): Accepted as is. |
06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10453906 | [Redact] | 37611795 | 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 Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. | Reviewer Comment (2026-07-15): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-14): CD, tracking , LOE, check Reviewer Comment (2026-07-08): [Redacted] reviewed the documentation provided in the loan file and noted that the SSR reflects a CU Score of [Redacted], which does not exceed the threshold of [Redacted]. Additionally, the COC provided does not contain sufficient information explaining why UW conditions required a CDA/Desk Review on [Redacted]. Please provide documentation of the reason for the fee added What information was received that required to add the CDA review conditions by UW and when was that information received. Otherwise, cure would be due to borrower. Buyer Comment (2026-07-06): Appraisal SSRs were uploaded on [Redacted] and the UW conditions for a CDA/desk review on [Redacted] Reviewer Comment (2026-07-06): [Redacted]: The COC that was provided in the trailing images was also provided in the original loan package. but it does not give sufficient information on requirement of appraisal desk review fee. Please provide documentation of the reason for the CDA review to add the fee. What information was received that required add the fee and when was that information received or Cure would be due to borrower. Buyer Comment (2026-07-02): LE COC Reviewer Comment (2026-06-12): [Redacted] received updated LE and COC dated [Redacted]. but it does not give sufficient information on what impacts and why the UW requested to add the appraisal desk review fee. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |
07/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10453906 | [Redact] | 37611797 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The appraisal reflects the property as a PUD; however, the PUD Rider is not included in the file. Please provide the PUD Rider and an updated security instrument with the PUD Rider box checked. | Reviewer Comment (2026-06-29): Received, Clearing. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10453960 | [Redact] | 37611799 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | 1003 indicated REO mortgages paid, [Redacted] provided, however, no other documentation provided to exclude. | Reviewer Comment (2026-06-18): Documentation to exclude pending sale Departure Residence provided. Cleared. Seller Comment (2026-06-18): Comment from [Redacted]: Excluded due to departing to be sold, we have the appraisal to support [Redacted]% equity AND a Lox in file noting plan is to sell and its listed privately already |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10453960 | [Redact] | 37611800 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-07-06): Reserves exception cleared. Seller Comment (2026-07-06): Comment from [Redacted]: Additional Asset Reviewer Comment (2026-06-18): **New Exception** Added additional reserves required for Departure Residence 12 Months PITIA. Buyer Comment (2026-06-18): Comment from [Redacted]: Excluded due to departing to be sold, we have the appraisal to support [Redacted]% equity AND a Lox in file noting plan is to sell and its listed privately already |
07/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10453960 | [Redact] | 37611801 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [Redacted]): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | 1003 indicated REO mortgages paid, [Redacted] provided, however, no other documentation provided to exclude. | Buyer Comment (2026-06-18): Comment from [Redacted]: Excluded due to departing to be sold, we have the appraisal to support [Redacted]% equity AND a Lox in file noting plan is to sell and its listed privately already |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10453960 | [Redact] | 37611803 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | **New Exception** Added additional reserves required for Departure Residence [Redacted] Months PITIA. | Reviewer Comment (2026-07-06): Reserves exception cleared. Seller Comment (2026-07-06): Comment from [Redacted]: Additional Asset Reviewer Comment (2026-06-18): **New Exception** Added additional reserves required for Departure Residence 12 Months PITIA. Seller Comment (2026-06-18): Comment from [Redacted]: Excluded due to departing to be sold, we have the appraisal to support [Redacted]% equity AND a Lox in file noting plan is to sell and its listed privately already |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10453960 | [Redact] | 37611804 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | **New Exception** Added additional reserves required for Departure Residence [Redacted] Months PITIA. | Reviewer Comment (2026-07-06): Received bank statements. Exception cleared. Seller Comment (2026-07-06): Comment from [Redacted]: Additional Asset |
07/06/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| [Redact] | 10453918 | [Redact] | 37611807 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [Redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Most recent 1120S is dated for the [Redacted] tax year. Tax extension located in file is for the borrower's personal tax returns, not the business. Business tax extension is required to allow use of the [Redacted] taxes. | Reviewer Comment (2026-06-16): Accepted as is. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10453918 | [Redact] | 37611808 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing [Redacted] business tax return extension for [Redacted] | Reviewer Comment (2026-07-14): Received, Clearing. Seller Comment (2026-07-14): Comment from [Redacted]: uploaded doc |
07/14/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| [Redact] | 10453920 | [Redact] | 37611811 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [Redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. ([Redacted]/Schedule K-1 less than [Redacted] Percent) | Reviewer Comment (2026-06-16): Accepted as is. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10453920 | [Redact] | 37611812 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [Redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. ([Redacted]/Schedule K-1 less than [Redacted] Percent) | Reviewer Comment (2026-06-16): Accepted as is. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10453910 | [Redact] | 37611815 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Borrower signed note individually and Security Instrument is signed as a member of [Redacted] entity. Need evidence that ties the two together. | Reviewer Comment (2026-06-24): Received Operating Agreement. Exception cleared. Buyer Comment (2026-06-24): Comment from [Redacted]: LLC docs uploaded on other condition. Reviewer Comment (2026-06-22): Operating agreement is missing. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Non QM | N/A | No | |||||||||||
| [Redact] | 10453910 | [Redact] | 37611816 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The note lists the borrower as an individual yet the Security Agreement lists the borrower as a business. Please provide clarification. | Reviewer Comment (2026-06-24): Received, Clearing. Seller Comment (2026-06-24): Comment from [Redacted]: LLC docs Reviewer Comment (2026-06-22): Guarantee agreements required for the [Redacted] individuals that signed on behalf of the business only are required. Buyer Comment (2026-06-22): Comment from [Redacted]: The file was approved to close in the LLC name. The borrower needs to sign individually and as manager members of the LLC, note / mortgage / CD Vesting will be in the LLC name. [Redacted]. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Non QM | N/A | No | |||||||||||
| [Redact] | 10453910 | [Redact] | 37611817 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing. | Reviewer Comment (2026-06-24): Received Business Entity Listing. Exception cleared. Buyer Comment (2026-06-24): Comment from [Redacted]: LLC docs uploaded on other condition. |
06/24/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Non QM | N/A | No | ||||||||||||||||
| [Redact] | 10453910 | [Redact] | 37611819 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor agreement is missing. | Reviewer Comment (2026-06-24): Received, Clearing. Reviewer Comment (2026-06-24): Guarantor agreement is not received. Exception remains. Buyer Comment (2026-06-24): Comment from [Redacted]: LLC docs uploaded on other condition. |
06/24/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Non QM | N/A | No | ||||||||||||||||
| [Redact] | 10453910 | [Redact] | 37611820 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | EIN is missing. | Reviewer Comment (2026-06-24): Received Employer Identification Number (EIN). Exception cleared. Buyer Comment (2026-06-24): Comment from [Redacted]: LLC docs uploaded on other condition. |
06/24/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Non QM | N/A | No | ||||||||||||||||
| [Redact] | 10453938 | [Redact] | 37611821 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-07-06): Accepted as is. |
07/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10453938 | [Redact] | 37611823 | 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. | Initial Closing Disclosure is dated [Redacted], also signed and dated [Redacted]. | Reviewer Comment (2026-07-08): [Redacted] received initial CD. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10453938 | [Redact] | 37611824 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Lender Credits decreased from $[Redacted] to $[Redacted], a decrease of $[Redacted]. | Reviewer Comment (2026-07-06): Sufficient Cure Provided At Closing |
07/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10453938 | [Redact] | 37611825 | 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 Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Tax Service fee increased from $[Redacted] to $[Redacted], an increase of $[Redacted]. A cure of $[Redacted] was provided. | Reviewer Comment (2026-07-06): Sufficient Cure Provided At Closing |
07/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10453952 | [Redact] | 37611835 | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Missing donor check and evidence of receipt of $[Redacted] gift | Reviewer Comment (2026-07-10): Receipt provided. Cleared. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10453952 | [Redact] | 37611836 | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Missing donor check and evidence of receipt of $[Redacted] gift | Reviewer Comment (2026-07-10): Receipt of funds provided. Cleared. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10453951 | [Redact] | 37611841 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Appraisal Notice is missing. | Reviewer Comment (2026-07-14): Accepted as is. |
07/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10453951 | [Redact] | 37611842 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [Redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-07-14): Accepted as is. |
07/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | N/A | No | |||||||||||
| [Redact] | 10453933 | [Redact] | 37611847 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10453933 | [Redact] | 37611848 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [Redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Business return tax extension for [Redacted] in file. | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10453933 | [Redact] | 37611849 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [Redacted] personal tax return extension is missing from the file. Per guidelines, must document that taxes have been filed via evidence of e-filing, tax refund, or proof of payment. | Reviewer Comment (2026-07-10): Received, Clearing. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10453932 | [Redact] | 37611850 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10453923 | [Redact] | 37611853 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10453963 | [Redact] | 37611856 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved for self-employment less than 2 years. Business started [Redacted] (loan application date is [Redacted]) which is less than [Redacted] years. [Redacted] years employment history in file (WVOE in file from previous employer) with compensating factors [Redacted]% / job stability / good credit depth with no late payments / own funds used to close and qualify / documented savings history and ability. | Borrower has verified disposable income of at least $[Redacted]. 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. |
[Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-07-20): Lender exception approved |
07/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10453822 | [Redact] | 37611872 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2025-09-02): Re-opened Reviewer Comment (2025-09-02): Cleared based on review coming back within tolerances |
09/02/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||||||
| [Redact] | 10453822 | [Redact] | 37611873 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Please provide the copy of Purchase Agreement / Sales Contract. | Reviewer Comment (2025-09-03): Received, Clearing. Seller Comment (2025-09-03): Comment from [REDACTED] ([REDACTED]): ATTACHED |
09/03/2025 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453822 | [Redact] | 37611875 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | 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]. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2025-09-19): LOE of no claims or damage received. Seller Comment (2025-09-18): Comment from [REDACTED] ([REDACTED]): Processor cert attached Reviewer Comment (2025-09-05): We would need insurance updated or a loe from an insurer of no claims or damage. Seller Comment (2025-09-05): Comment from [REDACTED] ([REDACTED]): Processor cert attached Reviewer Comment (2025-09-03): [REDACTED] is a wet state, so on a purchase, the coverage would be from the note signing. We would need insurance updated or a loe from an insurer of no claims or damage. Buyer Comment (2025-09-03): Comment from [REDACTED] ([REDACTED]): Sellers signed the CD [REDACTED], this is when the ownership legally transferred. Please review. |
09/19/2025 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10453822 | [Redact] | 37611876 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Proceed with single member LLC with no operating agreement. Lender exception approved for single member [Redacted] with no operating agreement, stated does not require. Comp Factors FICO [REDACTED], DSCR [REDACTED] or better. | 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]. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2025-09-02): Client elects to waive/regrade with compensating factors. |
09/02/2025 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10453822 | [Redact] | 37611877 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The appraisal dated [REDACTED], assigns an as-is value of $[REDACTED] to the subject property, an [REDACTED]-[Redact] near the [Redacted]. The [Redacted] is tenant-occupied and in average condition, featuring [REDACTED] square feet of living area, [Redact], situated on a [REDACTED]-acre lot. The interior has been updated with fresh paint, new flooring, and renovations to the kitchen and bathrooms. The property appears well maintained, with no noted physical deficiencies or external obsolescence. According to the appraisal, the property is under contract for $[REDACTED] in a private sale between two investors and was not publicly listed. This transaction may be part of a multi-property deal, as a neighboring property at [REDACTED] was also appraised by the same appraiser using identical comparables. The report includes five comparable sales within [REDACTED] miles, with sale prices ranging from $[REDACTED] to $[REDACTED]. However, all of these homes are significantly larger and situated on larger lots, with minimal adjustments made for gross living area. Additional market data includes three more relevant sales within [REDACTED] miles: [REDACTED], [REDACTED], and [REDACTED], which sold for $[REDACTED], $[REDACTED], and $[REDACTED] respectively. These homes are similar in age, size, and style, and have undergone recent renovations that make them slightly superior to the subject. Adjustments for differences in size, bedroom count, and condition suggest a value range that is more aligned with the subject's characteristics. Online research identified twelve sales within [REDACTED] miles over the past [REDACTED] months, ranging from $[REDACTED] to $[REDACTED], with an average sale price of $[REDACTED]. These comparables are more consistent with the subject's size and style and suggest that the appraised value is high. After reviewing both the appraisal and market data, the subject's as-is value is more accurately estimated to fall between $[REDACTED]and $[REDACTED]. |
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]. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2025-09-02): Client elects to waive - [REDACTED], [REDACTED]: Investor purchase - [Redacted] with $[REDACTED]appraisal and $[REDACTED]sales price. Loan amount $[REDACTED]Orig LTV [Redacted]%. DSCR [REDACTED]. QC value at -[REDACTED]% dropping original appraised value to $[REDACTED]but having no effect to LTV as lower SP was used |
09/02/2025 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10453808 | [Redact] | 37611879 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from insurer. Calculations are based on [Redacted]% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $[Redacted]. | Reviewer Comment (2025-09-15): Received, Clearing. Seller Comment (2025-09-15): Comment from XXXX (XXXX): The policy states100% replacement cost value is included. Not sure why you are referencing rental coverage Reviewer Comment (2025-09-12): This exception is for a shortage of coverage, not a lack of rent loss coverage. Seller Comment (2025-09-12): Comment from XXXX (XXXX): rent loss |
09/15/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453808 | [Redact] | 37611880 | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy Certificate is missing in file. | Reviewer Comment (2025-09-12): Received, Clearing. Seller Comment (2025-09-12): Comment from XXXX (XXXX): attached |
09/12/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453838 | [Redact] | 37611883 | 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. | Reviewer Comment (2025-11-21): Accepted as is. |
11/21/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453839 | [Redact] | 37611891 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-25): Clearing based on review coming back within tolerances. |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10453826 | [Redact] | 37611892 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-05): Clearing based on review coming back within tolerances. |
03/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||||||
| [Redact] | 10453826 | [Redact] | 37611894 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | The file was missing a copy of Employer Identification Number (EIN) for [Redacted]. | Reviewer Comment (2026-04-20): Subject business entity is owned by guarantor individuals only. There is not parent company |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453826 | [Redact] | 37611896 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved to allow to use [Redacted] for [Redacted] qualifying income on refinance transaction for property purchased in [Redacted] and was in renovation. LOE in file from borrower. Comp Factors [Redacted] LTV [Redacted]%, Reserves [Redacted] months. DSCR over [Redacted]% |
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 Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [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. |
[Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-03-03): Client elects to waive/regrade with compensating factors. |
03/03/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10453826 | [Redact] | 37611897 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing State ID for Business Entity [Redacted]. | Reviewer Comment (2026-03-30): Received Business Entity Listing confirming the State ID ID for Business Entity [Redacted]. Exception cleared. Seller Comment (2026-03-30): Comment from [Redacted]: SOS |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453888 | [Redact] | 37611898 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Credit application not provided for [Redacted] | 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. |
[Redact] [Redact] [Redact] |
Reviewer Comment (2026-05-07): Client elected to waive/regrade with compensating factors. Lender exception provided. Seller Comment (2026-05-07): Comment from [Redacted]: Waived per exception |
05/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10453888 | [Redact] | 37611899 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit Report is missing for co-borrower [Redacted]. | 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. |
[Redact] [Redact] [Redact] |
Reviewer Comment (2026-05-07): Client elected to waive/regrade with compensating factors. Lender exception provided. Seller Comment (2026-05-07): Comment from [Redacted]: Waived per exception |
05/07/2026 | Yes | 2 | D | B | D | B | D | B | D | B | D | B | [Redact] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10453888 | [Redact] | 37611900 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Fraud Report is missing for co-borrower [Redacted]. | 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. |
[Redact] [Redact] [Redact] |
Reviewer Comment (2026-05-07): Client elected to waive/regrade with compensating factors. Lender exception provided. Seller Comment (2026-05-07): Comment from [Redacted]: Waived per exception |
05/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10453888 | [Redact] | 37611902 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | - | 1003 application is missing. | Reviewer Comment (2026-03-10): Accepted as is. |
03/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10453888 | [Redact] | 37611903 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review coming back within tolerances. |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||||||
| [Redact] | 10453768 | [Redact] | 37611917 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-24): Clearing based on review coming back within tolerances. |
04/24/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| [Redact] | 10453845 | [Redact] | 37611926 | Credit | Missing Document | General | Missing Document | Missing Document: Appraisal Transfer Letter not provided | Reviewer Comment (2026-05-11): Appraisal Transfer Letter, cleared Seller Comment (2026-05-11): Comment from [Redacted]: [Redacted]: Please see the attached transfer letter to support the use of the appraisal on this file. |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10453859 | [Redact] | 37611935 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Rent-Free Letter was not found in file. If the borrower is living rent-free as a dependent with family, and a 12-month housing history is not applicable, a rent-free letter is required. | Reviewer Comment (2026-05-06): Received rent free letter. Exception cleared. Seller Comment (2026-05-06): Comment from [Redacted]: See attached. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453859 | [Redact] | 37611936 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide evidence Open-End Mortgage on Title was satisfied. The mortgage payoff statement shows a different address and a higher payoff balance than the amount paid at closing. Unable to determine if the mortgage on title is a blanket mortgage, and if the portion for the subject property is satisfied. | Reviewer Comment (2026-05-07): Received evidence loan on title was paid through two transactions Seller Comment (2026-05-07): Comment from [Redacted]: Please see attached for an LOE from [Redacted]. The amount paid at closing is less than the payoff balance because it was paid off between two loans ([Redacted]& [Redacted]. The two amounts collected at closing ($[Redacted]& $[Redacted]) were enough to cover the amount needed to pay this off. |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453858 | [Redact] | 37611938 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation is missing. | Reviewer Comment (2026-05-11): Received Articles of Organization/Formation. Exception cleared. Seller Comment (2026-05-11): Comment from [Redacted]: All business docs for conditions 1-5 |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453858 | [Redact] | 37611939 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing. | Reviewer Comment (2026-05-11): Received Business Entity Listing. Exception cleared. Seller Comment (2026-05-11): Comment from [Redacted]: Business |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453858 | [Redact] | 37611940 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution is missing. | Reviewer Comment (2026-05-11): Received Operating Agreement. Exception cleared. Seller Comment (2026-05-11): Comment from [Redacted]: Bus Docs |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453858 | [Redact] | 37611941 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) is missing. | Reviewer Comment (2026-05-11): Received Employer Identification Number (EIN). Exception cleared. Seller Comment (2026-05-11): Comment from [Redacted]: bus docs |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453858 | [Redact] | 37611942 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is missing. | Reviewer Comment (2026-05-11): Received Operating Agreement. Exception cleared. Seller Comment (2026-05-11): Comment from [Redacted]: Bus Docs |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453858 | [Redact] | 37611943 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Rent loss insurance is required, equal to 6 months of rental income. Provide policy reflecting at minimum 6 months rental income. | Reviewer Comment (2026-05-12): 12 months provided via policy. Cleared. Seller Comment (2026-05-12): Comment from [Redacted]: Rent loss insurance |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453896 | [Redact] | 37611948 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-12): Clearing based on review coming back within tolerances. |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10453866 | [Redact] | 37611953 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-14): Clearing based on review coming back within tolerances. |
05/14/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| [Redact] | 10453852 | [Redact] | 37611957 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-14): Finding reported in new exception. |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10453852 | [Redact] | 37611960 | Credit | Credit | Miscellaneous | Credit | Enhanced Valuation Review Finding | The subject property is a tenant occupied single family residence located at [Redacted], [Redact]. The home was constructed in [Redacted] and features a traditional design with approximately [Redacted] square feet of gross living area. The layout includes [Redact]situated on a relatively small [Redacted] acre lot. [Redact]. Subject is newer construction built on a ridge in [Redacted] that offers [Redact] with [Redacted] views of the [Redacted]. Subject was listed for [Redacted] in [Redacted] and removed from market in [Redacted]. Subject is among other similar construction within the market for newer and older renovated homes designed as [Redacted] style residences. Subject's interior is modern in appointments with a rustic appeal with moderate upgrades to kitchen and baths with prefab shower surrounds so is not custom updated. Appraisal sale comps sold for [Redacted], [Redacted] and [Redacted] within [Redacted] to [Redacted] miles and are similar or superior homes in size but review found are also custom homes and in two cases are contemporary custom built homes with far superior appointments than subject supporting a higher price point. Review found more proximate sales within [Redacted] miles that sold recently for [Redacted], [Redacted] and [Redacted] for homes similar or slightly older than subject but similar in size and offer similar updating and appointments as subject along with offering similar [Redacted] views that support a lower value range for data found in closer proximity. Review found listings within the market as low as [Redacted] for similar size homes boasting similar views as subject with listings at or above [Redacted] to be larger custom built homes with superior amenities and appointments or offer much larger parcels. Subject is one of many similarly constructed homes within the market situated on smaller lots with nice views but offer moderate updating not custom in quality materials compared to higher sales so the As is value has been adjusted to reflect data found in closer proximity and more in line with the level of improvements seen for subject. | Reviewer Comment (2026-06-30): After second review, additional comparables obtained to support a recon value of $[Redacted] Buyer Comment (2026-06-29): Comment from [Redacted]: report is updated to include [Redacted] as comp#5 Reviewer Comment (2026-06-16): The same appraisal with same appraisal amount was provided please advise. Seller Comment (2026-06-16): Comment from C[Redacted]: revised appraisal Reviewer Comment (2026-05-18): Appraisal and UCDP was in original file. Please provide additional comparable sales to support the appraised value. Appraisal sale comps sold for [Redacted] , [Redacted] and [Redacted] within [Redacted] to [Redacted] miles and are similar or superior homes in size but review found are also custom homes and in two cases are contemporary custom built homes with far superior appointments than subject supporting a higher price point. Review found more proximate sales within [Redacted] miles that sold recently for [Redacted], [Redacted]and [Redacted] for homes similar or slightly older than subject but similar in size and offer similar updating and appointments as subject along with offering similar[Redacted] that support a lower value range for data found in closer proximity. Seller Comment (2026-05-18): Comment from [Redacted]: uploaded requested doc Reviewer Comment (2026-05-15): Please provide sufficient documentation to support the value used for primary appraisal of $[Redacted] Buyer Comment (2026-05-15): Comment from [Redacted]: Please inform what additional information that is being requested |
06/30/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| [Redact] | 10453830 | [Redact] | 37611963 | 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. | Reviewer Comment (2026-05-12): Accepted as is. |
05/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453800 | [Redact] | 37611968 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-15): Cleared based on review coming back within tolerances |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10453832 | [Redact] | 37611978 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved for first-time investor is a borrower who has not owned an investment property in the past two years. For first-time investors, the DSCR must be greater than [Redacted]. Borrower has a history of owning rental properties (3), but most recently as of [Redacted]. They also have an active investment portfolio that operates by securing passive stakes in multifamily and commercial property. | 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. |
[Redact] [Redact] [Redact] |
Reviewer Comment (2026-05-14): Lender exception approved |
05/14/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10453832 | [Redact] | 37611981 | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). | [Redact] needs to sign the Security Instrument in her capacity as member(s) and/or manager(s) of the business entity. | Reviewer Comment (2026-06-04): Received, cleared Seller Comment (2026-06-03): Comment from [Redacted]: [Redacted] - [Redacted]: Please see page #[Redacted] of the attached Investor [Redacted] Guidelines as of [Redacted]. The guideline states "The primary borrower will be the member who is designated to sign on behalf of the business entity in the closing package. " Reviewer Comment (2026-05-22): Please provide guidelines that state only [Redacted] member is required to sign the SI as the approved guidelines state all members must sign.([Redact] Underwriting Guide dated [Redacted] Seller Comment (2026-05-22): Comment from [Redacted]: [Redacted] Disagree - the guideline does not state all borrower when the loan closed in an LLC. The signature must be from the authorized signer of the LLC. Please see the attached Articles of Organization which shows the authorized signer is [Redacted]. Reviewer Comment (2026-05-15): The guidelines state: "The Mortgage/Deed of Trust/security instrument should be signed by all member(s) of the business entity in their capacity as member(s) and/or manager(s) of the business entity." Seller Comment (2026-05-15): Comment from [Redacted]: [Redacted] the guidelines only state that only one borrower needs to sign the security instrument in their capacity as a member. |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453769 | [Redact] | 37611982 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-18): Clearing based on review coming back within tolerances. |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10453892 | [Redact] | 37611986 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | [Redacted] provided is missing a signature page. | Reviewer Comment (2026-07-14): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-14): Comment from [Redacted]: [Redacted] Please see attached Business Purpose Certificate Reviewer Comment (2026-07-02): E-signed BPC is acceptable. Buyer Comment (2026-07-02): Comment from [Redacted]: [Redacted]: Please advise if e-sign acceptable Reviewer Comment (2026-06-16): Received Business Purpose Certificate without signature page. Exception remains. Seller Comment (2026-06-16): Comment from [Redacted]): [Redacted] Please see attached supporting documents |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453778 | [Redact] | 37611991 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Business Loan Rider was not found in file. | Reviewer Comment (2026-05-26): Received Business Loan Rider. Exception cleared. Seller Comment (2026-05-26): Comment from [Redacted]: Business Rider attached |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453795 | [Redact] | 37611997 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-27): Clearing based on review coming back within tolerances. |
05/27/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| [Redact] | 10453844 | [Redact] | 37612014 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10453844 | [Redact] | 37612015 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines state to close vested in an [Redacted], all business entity owners with at least [Redacted]% ownership must be borrowers on the transaction. Title and the current mortgage on the property have been held in House of [Redacted] since [Redacted]. [Redacted] is owned [Redacted]/[Redacted]/[Redacted] with the borrower owning [Redacted]% and their two non-borrower siblings owning [Redacted]% each. The loan will close vested in [Redacted]. | 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]%. |
[Redact] [Redact] [Redact] |
Reviewer Comment (2026-05-26): Client elects to waive with compensating factors |
05/26/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10453844 | [Redact] | 37612017 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Based on [Redact] - [Redacted] dated [Redacted], the minimum FICO required for $[Redacted] DSCR of >=.[Redacted] at [Redacted]% LTV is [Redacted]. | Reviewer Comment (2026-06-02): Received, Clearing. Seller Comment (2026-06-02): Comment from [Redacted]: [Redacted]: Please see the attached product matrix reflecting a minimum FICO requirement of [Redacted] as opposed to [Redacted]. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453837 | [Redact] | 37612021 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10453897 | [Redact] | 37612022 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-29): Clearing based on review coming back within tolerances. |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| [Redact] | 10453897 | [Redact] | 37612024 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment Document was not completed. | Reviewer Comment (2026-07-17): Received, Clearing. Seller Comment (2026-07-17): Comment from [Redacted]: Addendum Reviewer Comment (2026-05-27): Incomplete Note Addendum - Prepayment Document provided. Exception remains. Seller Comment (2026-05-27): Comment from [Redacted]: Note with Prepayment Addendum |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | Yes | ||||||||||||||
| [Redact] | 10453897 | [Redact] | 37612025 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within [Redacted] and does not reflect a coverage amount (final title policy was not found in the file). | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10453857 | [Redact] | 37612026 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-02): Clearing based on review coming back within tolerances. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10453793 | [Redact] | 37612028 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-02): Clearing based on review coming back within tolerances. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10453833 | [Redact] | 37612038 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-03): Clearing based on review coming back within tolerances. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| [Redact] | 10453833 | [Redact] | 37612040 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (Final Title Policy was not found in the file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-02): Accepted as is. |
06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10453891 | [Redact] | 37612047 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Approval/1008 not provided | Reviewer Comment (2026-06-10): Received Approval. Exception cleared. Seller Comment (2026-06-10): Comment from [Redacted]: Document approval |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453901 | [Redact] | 37612059 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-05): Cleared based on review coming back within tolerances |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10453901 | [Redact] | 37612063 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantee agreement is not signed. | Reviewer Comment (2026-06-26): Received Guarantor Agreement. Exception cleared. Seller Comment (2026-06-25): Comment from [Redacted]: Personal Guaranty and corrected DOT Seller Comment (2026-06-25): Comment from [Redacted]: Personal Guaranty |
06/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453771 | [Redact] | 37612066 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Loan selected for Enhanced Valuation Review | Reviewer Comment (2026-06-25): Cleared based on review coming back within tolerance |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453771 | [Redact] | 37612068 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-08): Cleared based on review coming back within tolerances |
06/08/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||||||
| [Redact] | 10453875 | [Redact] | 37612072 | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Legal Description is missing. | Reviewer Comment (2026-06-11): Received Legal Description. Exception cleared. Seller Comment (2026-06-11): Comment from [Redacted]: [Redacted] Please see attached |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453895 | [Redact] | 37612076 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-08): Cleared based on review coming back within tolerances |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10453803 | [Redact] | 37612078 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-08): Cleared based on review coming back within tolerances |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10453803 | [Redact] | 37612080 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent Loss Insurance for the subject property is required and must equal at least [Redacted] months PITIA for the subject property. |
Reviewer Comment (2026-06-10): Received, Clearing. Seller Comment (2026-06-10): Comment from [Redacted]: see attached - Rents loss is on policy refer to coverage D |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453818 | [Redact] | 37612084 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-09): Cleared based on review coming back within tolerances |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10453801 | [Redact] | 37612092 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | - | Reviewer Comment (2026-06-15): Spousal Consent is not required. Exception cleared. Seller Comment (2026-06-15): Comment from [Redacted]:[Redacted]: Please see the attached documentation. Please note that the NBI is not a vested owner on the property and our borrower is the only owner which supported by the final title policy and security instrument. Due to the non-borrower not being vested owner, the consent is not required on the transaction. Please provide additional clarity if there is additional information required. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453819 | [Redact] | 37612101 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | When the subject property is located in a declining market, the Loan-to-Value (LTV) is reduced by [Redacted]% from the standard matrix LTV ([Redacted]%), as per guidelines. | 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]. |
[Redact] [Redact] |
Reviewer Comment (2026-07-16): Client elects to waive with compensating factors Reviewer Comment (2026-06-17): Client elected to waive. |
06/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10453819 | [Redact] | 37612102 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | When the subject property is located in a declining market, the Loan-to-Value (LTV) is reduced by [Redacted]% from the standard matrix LTV ([Redacted]%), as per guidelines. | 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]. |
[Redact] [Redact] |
Reviewer Comment (2026-07-16): Client elects to waive with compensating factors Reviewer Comment (2026-06-17): Client elected to waive. |
06/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10453898 | [Redact] | 37612103 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing. | Reviewer Comment (2026-06-17): Received Certificate of Good Standing. Exception cleared. Seller Comment (2026-06-17): Comment from Purchasing Team [Redacted]: Certificate of Good Standing |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453877 | [Redact] | 37612105 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-22): Cleared based on review coming back within tolerances |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10453881 | [Redact] | 37612117 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Loan is to be securitized. Secondary valuation is missing. | Reviewer Comment (2026-06-23): Received, Clearing. Seller Comment (2026-06-23): Comment from [Redacted]: uploaded requested doc |
06/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | A | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10453779 | [Redact] | 37612120 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-29): Finding reported in new exception. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| [Redact] | 10453779 | [Redact] | 37612121 | Credit | Credit | Miscellaneous | Credit | Enhanced Valuation Review Finding | Subject Property Overview The subject property is a duplex located in a suburban area of [Redact], offering approximately [Redacted] square feet of gross living area on a [Redacted]-acre lot. Built in [Redacted], the property includes a total of [Redact] and features a [Redacted] foundation with [Redacted] parking. The property is tenant-occupied and reported to be in average overall condition, with limited updates including wood flooring and a newer boiler system. No functional or external obsolescence is noted, and the property presents as typical for its market segment. The property sold in [Redacted] for $[Redacted] following a prior listing at the $[Redacted] price point. The appraisal concluded an as-is value of $[Redacted] as of [Redacted], which is notably above the recent transaction and inconsistent with observed market evidence. Comparable Sale Analysis The sale at [Redacted] closed for $[Redacted] and is slightly larger with similar condition and utility. Despite its size advantage, its lower sale price positions it at the lower end of the value range and indicates that the subject does not warrant a premium above this level without superior features. The property at [Redacted] sold for $[Redacted] and is clearly superior due to its larger living area and higher bedroom count. Despite these advantages, its sale price remains close to $[Redacted], effectively capping the upper range for properties in this segment and suggesting limited support for values above this level for the subject. The sale at [Redacted] closed for $[Redacted] and is somewhat superior due to its larger size and newer construction. Its position near the top of the range reinforces the upper boundary supported by the comparable data but remains well below the appraised value. Overall, the comparable sales demonstrate consistent pricing for similar or superior duplex properties, with value differences primarily driven by gross living area, bedroom count, and age. The dataset reflects a clear and tightly grouped range with no evidence supporting values approaching the appraised level. Valuation Reconciliation The comparable sales support a market value range of approximately $[Redacted] to $[Redacted]. The subject's recent sale at $[Redacted] is a highly relevant and reliable indicator, reflecting current buyer behavior and aligning squarely within this range. The appraised value of $[Redacted] exceeds the supported market evidence and is not justified given the subject's average condition and lack of distinguishing features relative to comparable properties. The reviewer's conclusion of $[Redacted] is well supported and consistent with both the comparable sales and the subject's recent transaction. Key factors influencing this determination include the subject's average condition, modest size, and strong alignment with recent neighborhood sales, resulting in a market-supported and credible value conclusion. |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. |
[Redact] [Redact] |
Reviewer Comment (2026-07-07): Client elects to waive, since the purchase price is the same as the valuation |
07/07/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10453791 | [Redact] | 37612131 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report included in the loan file is incomplete | Reviewer Comment (2026-07-01): Received Fraud Report. Exception cleared. Seller Comment (2026-07-01): Comment from [Redacted]: fraud |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453791 | [Redact] | 37612133 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD/CD is missing for subject property | Reviewer Comment (2026-07-10): Final Closing statement received Reviewer Comment (2026-07-01): Final Closing Statement provided. Cleared. Seller Comment (2026-07-01): Comment from [Redacted]: cd |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453850 | [Redact] | 37612145 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. | Hazard Insurance Policy expiration date is [Redacted]. The Note date is [Redacted]. | Reviewer Comment (2026-07-08): Received Hazard insurance policy with an extended future effective period. Exception cleared. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453850 | [Redact] | 37612146 | Credit | Business Purpose | General | Business Purpose | Insurance Policy Expiration Date is less than 30 days from the Note Date and does not have automatic renewal. | Hazard Insurance Policy Expiration date is [Redacted]. The Note date is [Redacted]. | Reviewer Comment (2026-07-08): Received Hazard insurance policy with an extended future effective period. Exception cleared. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10453917 | [Redact] | 37627551 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | Reviewer Comment (2026-10-16): Lenders project review provided Seller Comment (2026-10-13): Please find the Condo Warranty, Condo Questionnaire and budget attached. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10453917 | [Redact] | 37692671 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify any HOA dues. Note: If there are no HOA dues, a LOE from the borrower is sufficient. | Reviewer Comment (2026-10-12): HOA verification provided. Exception cleared. Seller Comment (2026-10-08): public record se[Redacted] utilized to evidence no HOA dues with or without LOE. see attached, pg [Redacted] for HOA on REO and |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10453928 | [Redact] | 37680233 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification Appraisal delivered to borrower was not provided. | 09/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10453950 | [Redact] | 37680740 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
09/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||||
| [Redact] | 10453950 | [Redact] | 37680751 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement was not provided. | Reviewer Comment (2026-10-09): Lender rebuttal states rental income not used for the REO Seller Comment (2026-10-08): we do not have the lease agreement on the REO. We did not include the rental income on that property in qualifying DTI. loan DTI qualifies with the exclusion of the lease/rent income on REO [Redacted], it is not necessary |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10453950 | [Redact] | 37680754 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-10-14): Disclosure provided. Exception cleared. Seller Comment (2026-10-13): E- Consent agreement is attached. Reviewer Comment (2026-10-09): There are docs signed electronically and the e-consent is required. Condition is valid and remains open Seller Comment (2026-10-08): The Note and the collateral docs were executed via wet signatures. Do not agree that the e-consent is needed because disclosures are executed electronically. These do not invalidate the documents or make them unenforceable.. The consent form is only a requirement of consumer transactions that do not apply to business purpose loans and would not be in scope for us. Please re-review. Reviewer Comment (2026-10-08): There are docs signed electronically and the e-consent is required. Condition is valid and remains open Seller Comment (2026-10-08): This is a business purpose loan and the e-consent form is not required. Can this be cleared? |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10453950 | [Redact] | 37680872 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on an Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-10-02): Initial and Final Grade B, accepted |
10/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10453941 | [Redact] | 37689916 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify any HOA Dues. Note: If there are no HOA Dues, a LOE from the borrower is sufficient. | Reviewer Comment (2026-10-09): HOA verification provided Seller Comment (2026-10-06): Please see attached to support no HOA dues. |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10453941 | [Redact] | 37689917 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify any HOA Dues. Note: If there are no HOA Dues, a LOE from the borrower is sufficient. | Reviewer Comment (2026-10-09): HOA verification provided Seller Comment (2026-10-06): Please see attached to show support for no HOA dues. |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10453913 | [Redact] | 37683289 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-10-02): Initial and Final Grade B, accepted |
10/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10453913 | [Redact] | 37683291 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non-QM does not match Due Diligence Loan Designation of ATR Failure. | Reviewer Comment (2026-10-09): Missing bank statement provided |
10/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10453913 | [Redact] | 37683292 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank [Redacted]): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | The Bank Statement for the month ending [Redacted] is missing. | Reviewer Comment (2026-10-09): Missing bank statement provided Seller Comment (2026-10-08): I am uploading the [Redacted] statement for a 3rd time. The statement reads [Redacted] - [Redacted]. In what way is this not the [Redacted] statement? Reviewer Comment (2026-10-08): The 12/2025 was not provided. Condition remains Seller Comment (2026-10-07): The [Redacted] [Redacted]bank statement is attached along with the updated income calc worksheet and 1003 Seller Comment (2026-10-07): The [Redacted] [Redacted] bank statement is attached along with the updated income calc worksheet and 1003 |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10453913 | [Redact] | 37683294 | 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 $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted] Attorney Fee of $[Redacted] was not disclosed on initial Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-10-12): [Redacted] received valid COC document Seller Comment (2026-10-08): COC for the addition of the attorney review fee attached. |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10453913 | [Redact] | 37683296 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [Redacted]): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. | Reviewer Comment (2026-10-09): Missing bank statement provided |
10/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10453913 | [Redact] | 37683301 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more Guideline Components which could impact the borrower's Ability to Repay. | Reviewer Comment (2026-10-13): Missing Bank statement provided |
10/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10453926 | [Redact] | 37681604 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification Appraisal delivered to borrower was not provided. | 09/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10453914 | [Redact] | 37680501 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 09/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10453914 | [Redact] | 37680622 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [Redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Self-Employed Tax Returns - The business or personal Tax Returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | 09/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10453914 | [Redact] | 37680626 | 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. | Loan Discount Points Fee of $[Redacted] was not disclosed on initial Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-10-08): [Redacted] received a valid COC. Seller Comment (2026-10-07): The loan was initially locked at PAR on [Redacted]; therefore, no discount points were applicable when the Initial LE was issued on [Redacted]. On [Redacted], the rate lock was extended at a cost of [Redacted] ([Redacted]). The additional cost was disclosed to the borrower the same day on the revised Closing Disclosure and Notice of Change of Circumstance, which identifies the change as an interest-rate-dependent charge resulting from the lock extension. Please see the attached lock documentation, revised CD, and [Redacted] Notice of Change of Circumstance supporting the [Redacted] increase. Seller Comment (2026-10-07): Some additional follow up. The loan was initially locked at PAR on [Redacted]; therefore, no discount points were applicable when the Initial LE was issued on [Redacted]. On [Redacted], the rate lock was extended at a cost of [Redacted] ([Redacted]). The additional cost was disclosed to the borrower the same day on the revised Closing Disclosure and Notice of Change of Circumstance, which identifies the change as an interest-rate-dependent charge resulting from the lock extension. Please see the attached lock documentation, revised CD, and [Redacted] Notice of Change of Circumstance supporting the [Redacted] increase. Seller Comment (2026-10-06): Please find the COC attached. |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10453783 | [Redact] | 37684309 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. | The property is located in FEMA Disaster Area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. | Reviewer Comment (2026-10-06): PDI provided Seller Comment (2026-10-06): PDI attached. |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10453783 | [Redact] | 37684316 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Verification Appraisal delivered to borrower was not provided. | Buyer Comment (2026-10-02): Initial and Final Grade B, accepted |
10/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10453867 | [Redact] | 37681226 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification Appraisal delivered to borrower was not provided. | 09/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10160356 | [Redact] | 37623068 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Business Purpose Certificate required as per guide. | Reviewer Comment (2026-08-19): Provided. Buyer Comment (2026-08-19): business purpose |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10366608 | [Redact] | 37623073 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-08-28): Lender accepts the value. Buyer Comment (2026-08-27): [Redacted] accepts value |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10366608 | [Redact] | 37623074 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance covering a minimum of 6 months is required for the subject property as per guidelines. | Reviewer Comment (2026-08-28): Received the rent loss coverage. Buyer Comment (2026-08-27): Binder with rent loss |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10464875 | [Redact] | 37683599 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | Buyer Comment (2026-10-02): Initial and Final Grade B, accepted. |
10/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||||
| [Redact] | 10464930 | [Redact] | 37682122 | 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 Originator Compensation. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Missing a valid COC or sufficient lender credit. | Reviewer Comment (2026-10-12): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-10-09): cure Seller Comment (2026-10-09): cure attached |
10/12/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10464930 | [Redact] | 37683498 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 09/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Limited Cash-out GSE | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10464930 | [Redact] | 37720311 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The property was listed for sale within 12 months. The listing has expired. Lender exception approval in file. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10[Redacted]. 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. 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 or equal to [Redacted]%. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. The representative FICO score is above [Redacted]. |
LTV [Redacted] $[Redacted] monthly. |
[Redact],Originator Pre-Close,Aggregator [Redact] Aggregator,[Redact] [Redact] [Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-10-02): Client elected to waive the condition with the following Comp Factors: LTV [Redacted], residual income of $[Redacted] monthly. |
10/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Limited Cash-out GSE | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10464871 | [Redact] | 37680327 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | The Verification Appraisal delivered to the borrower was not provided. | 09/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10464871 | [Redact] | 37681886 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for [Redacted] recently listed. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redacted] months reserves | [Redact],Originator Pre-Close,Aggregator | Reviewer Comment (2026-10-02): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves |
10/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10464922 | [Redact] | 37684365 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage was provided. | 09/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10464922 | [Redact] | 37684366 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | The file does not contain documentation from the lender/seller confirming the condo/co-op is warrantable. | Reviewer Comment (2026-10-09): Lender condo warranty form provided Seller Comment (2026-10-07): complete condo form |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10464922 | [Redact] | 37688473 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" Appraisal Disclosure to applicant within three (3) business days of application or determination of first lien status. | Buyer Comment (2026-10-02): Initial and Final Grade B, accepted. |
10/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10464929 | [Redact] | 37680777 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | Reviewer Comment (2026-10-09): Lender condo warranty form provided Seller Comment (2026-10-07): complete condo form |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10464929 | [Redact] | 37688260 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" Appraisal Disclosure to applicant within three (3) business days of application or determination of First Lien status. | Buyer Comment (2026-10-02): Initial and Final Grade B, accepted. |
10/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10486670 | [Redact] | [Redact] | 37684384 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-30): (Rate Lock) [Redacted] |
10/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10486670 | [Redact] | [Redact] | 37706135 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). | Universal Loan Identifier (ULI) not provided. | Reviewer Comment (2026-10-02): ULI provided Seller Comment (2026-10-01): Attached the ULI Number. Please Clear. |
10/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10486670 | [Redact] | [Redact] | 37706194 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the Appraisal at least three (3) business days prior to closing, and the Appraisal was not provided at or before closing. | 09/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10486676 | [Redact] | [Redact] | 37684413 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-07): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-01): (Rate Lock) [Redacted] |
10/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10486676 | [Redact] | [Redact] | 37717658 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | Reviewer Comment (2026-10-05): Lender project review provided Seller Comment (2026-10-01): Attached [Redacted] Condo Review Form for [Redacted] confirming the lender's condo review was completed. The form reflects Review Decision: Approved, Review Type: FNMA Type S-Established Project-Expedited Review/Lender Full Review, and Ineligible Project: No for the subject property at [Redacted]. This confirms the project was reviewed and approved as warrantable. Please Clear. |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10486677 | [Redact] | [Redact] | 37684416 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-30): (Rate Lock) [Redacted] |
10/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10486677 | [Redact] | [Redact] | 37707290 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Project Approval expired. Non warrantable condo allowed, [Redacted]% max LTV for Cash-out Refi. | Reviewer Comment (2026-10-09): Project documentation provided and lender's comments state project is warrantable. Seller Comment (2026-10-08): Attached the correspondent lender's completed [Redacted] Project Eligibility Checklist for [Redacted] along with the supporting HOA financial documents. The completed checklist documents the lender's project eligibility review and supports that [Redacted] Condominium is warrantable under the Limited Review treatment. The checklist addresses the applicable established-project, ownership, commercial space, investor concentration, budget/reserve, and ineligible-project criteria. The supporting financials reflect adequate reserve funds and positive year-to-date net income. Please Clear. Seller Comment (2026-10-07): This is an [Redacted] cash-out refinance with a final LTV of [Redacted]%. Per the applicable [Redacted] guidelines, non-warrantable condominiums are permitted up to [Redacted]% LTV on cash-out transactions. The completed condo questionnaire is in the file, and the 1008 confirms the condo documentation was reviewed by the [Redacted] project department prior to closing. The loan therefore meets the applicable non-warrantable condo LTV requirement. Please Cancel. Reviewer Comment (2026-10-05): Re-opening condition for missing proof from the lender that the condo project is warrantable. Reviewer Comment (2026-09-29): Non warrantable condo allowed, [Redacted]% max LTV for Cash-out Refi. |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10486677 | [Redact] | [Redact] | 37707332 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification Appraisal delivered to borrower was not provided. | 09/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10486675 | [Redact] | [Redact] | 37684422 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-30): (Rate Lock) [Redacted] |
10/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10486675 | [Redact] | [Redact] | 37706312 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | The Homeowner's Insurance Declarations Page in the file verified an effective date of [Redacted], which is after the disbursement date of [Redacted]. Provide a revised Homeowner's Insurance Declaration Page or Policy verifying coverage in effect at or prior to disbursement. | Reviewer Comment (2026-10-06): Revised dec page provided verifying an updated effective date Seller Comment (2026-10-05): Attached updated [Redacted][Redact] Plan Dwelling Insurance Policy for [Redacted]. Policy [Redact] [Redacted] reflects an effective date of [Redacted], which confirms hazard insurance coverage was in effect prior to the [Redacted] disbursement date. Please Clear. |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10486678 | [Redact] | [Redact] | 37684423 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-30): (Rate Lock) [Redacted] |
10/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10486674 | [Redact] | [Redact] | 37684425 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-30): (Rate Lock) [Redacted] |
10/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10488284 | [Redact] | [Redact] | 37691589 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-07): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-02): (Rate Lock) [Redacted] |
10/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10488285 | [Redact] | [Redact] | 37691597 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-19): Waived on Rate Lock: Collateral cleared by Custodian |
10/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10464899 | [Redact] | 37716300 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Buyer Comment (2026-10-05): Initial and Final Grade B, accepted |
10/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10464947 | [Redact] | 37738424 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify any Homeowners Association Dues. Note: If there are no Homeowners Association Dues, a Letter of Explanation from the borrower is sufficient. | Reviewer Comment (2026-10-12): HOA verification provided. Exception cleared. Seller Comment (2026-10-08): NO HOA required |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10464947 | [Redact] | 37738425 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify any Homeowners Association Dues. Note: If there are no Homeowners Association Dues, a Letter of Explanation from the borrower is sufficient. | Reviewer Comment (2026-10-12): HOA verification provided. Exception cleared. Seller Comment (2026-10-08): no HOA REQUIRED |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10464928 | [Redact] | 37718496 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" Appraisal Disclosure to applicant within three (3) business days of application or determination of First Lien Status. | Buyer Comment (2026-10-05): Initial and Final Grade B, accepted |
10/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10464866 | [Redact] | 37718423 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Buyer Comment (2026-10-02): Initial and Final Grade B, accepted. |
10/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10464906 | [Redact] | 37718447 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Buyer Comment (2026-10-05): Initial and Final Grade B, accepted |
10/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10492526 | [Redact] | [Redact] | 37719356 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-09): (Rate Lock) [Redacted] |
10/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10492526 | [Redact] | [Redact] | 37743187 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification Appraisal delivered to borrower was not provided. | 10/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10492618 | [Redact] | [Redact] | 37719642 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-09): (Rate Lock) [Redacted] |
10/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10492618 | [Redact] | [Redact] | 37747648 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification Appraisal delivered to borrower was not provided. | 10/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10492618 | [Redact] | [Redact] | 37747690 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Commitment or Preliminary Title Policy is within [Redacted] or [Redacted] and does not reflect a coverage amount. | 10/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10492614 | [Redact] | [Redact] | 37719811 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-09): (Rate Lock) [Redacted] |
10/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10492614 | [Redact] | [Redact] | 37747876 | 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 (2026-10-06): Sufficient Cure Provided At Closing |
10/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10498203 | [Redact] | [Redact] | 37733120 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-14): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-10-12): (Rate Lock) [Redacted] |
10/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10498209 | [Redact] | [Redact] | 37733257 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-14): Waived on Rate Lock: Collateral cleared by Custodian |
10/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10498209 | [Redact] | [Redact] | 37763852 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification Appraisal delivered to borrower was not provided. | 10/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10399612 | [Redact] | 37735053 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The updated appraisal, dated [Redact], was sent on [Redact]. Default receipt date is [Redact], which is less than 3 business days prior to Note date ([Redact]). Neither compliant borrower's acknowledgment of receipt nor waiver of delivery timing requirements were provided. | Reviewer Comment (2026-08-10): Appraisal notice dated [Redact] provided, Exception cleared. Buyer Comment (2026-08-06): first page of doc [Redacted] shows it was delivered on [Redacted]. |
08/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Second Home | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10399612 | [Redact] | 37735054 | 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 initial Closing Disclosure received by borrower(s) at least 3 business days prior to closing. | Reviewer Comment (2026-08-12): [Redacted] received [Redacted] CD received 3 business days prior to consummation. Buyer Comment (2026-08-11): uploaded |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10399612 | [Redact] | 37735056 | 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 [Redact] exceeds tolerance of [Redact] plus [Redacted]% or [Redact][Redact] over legal limit. Insufficient or no cure was provided to the borrower. | Recording Fee was disclosed as [Redact] on the initial Loan Estimate but was disclosed as [Redact] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase. The cure provided at closing ([Redact]) is insufficient to address all tolerance violations. | Reviewer Comment (2026-08-18): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-17): uploaded |
08/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10399612 | [Redact] | 37735057 | 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 [Redact] exceeds tolerance of [Redact]. [Redact] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as [Redact] on the initial Loan Estimate but was disclosed as [Redact] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ([Redact]) is sufficient to address the violation but is insufficient to address all tolerance violations. | Reviewer Comment (2026-08-05): Cured at closing or within 60 days of consummation prior to TPR review |
08/05/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | [Redact] | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10399612 | [Redact] | 37735058 | 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 [Redact] exceeds tolerance of [Redact]. [Redact] over legal limit. Insufficient or no cure was provided to the borrower. | [Redact] Loan is locked on [Redact] and file is missing corresponding CD/LE within 3 days of the lock. Provide corresponding CD/LE. | Reviewer Comment (2026-08-18): [Redacted] Received Valid COC dated [Redacted] along with corresponding LE. Buyer Comment (2026-08-17): uploaded |
08/18/2026 | No | 1 | A | A | A | A | A | [Redact] | 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 | Non QM | Non QM | Yes | ||||||||||||||
| [Redact] | 10365507 | [Redact] | 37736490 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment (2026-08-19): EV1. |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10365507 | [Redact] | 37736492 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | The approval screen shot provided does not disclose the First Lien [Redacted] Version Date used. | Reviewer Comment (2026-08-19): Approval with first lien matrix provided, Exception cleared. Buyer Comment (2026-08-17): [Redacted] |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10399844 | [Redact] | 37736494 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Missing evidence that hazard insurance was in force on or before disbursement. Effective date of insurance is [Redacted], which is after the disbursement date ([Redacted]). | Reviewer Comment (2026-08-14): Hazard insurance policy provided, Exception cleared. Buyer Comment (2026-08-12): Uploaded |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10399924 | [Redact] | 37736497 | Credit | Guideline | Guideline Issue | Guideline | Ineligible borrower per guidelines. | The co-borrower is an ineligible borrower. DSCR guidelines for inexperienced investors do not allow first-time homebuyers or living rent free. | Reviewer Comment (2026-08-18): Received the updated 1003 with investor experience. Buyer Comment (2026-08-17): B1 is an experienced investor. Their Investment REO was omitted from the application in error. Attached is the property profile, revised 1003 adding the REO property. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10498252 | [Redact] | [Redact] | 37737313 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-14): Waived on Rate Lock: Collateral cleared by Custodian |
10/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10498252 | [Redact] | [Redact] | 37767449 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification Appraisal delivered to borrower was not provided. | 10/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10498262 | [Redact] | [Redact] | 37737479 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-14): Waived on Rate Lock: Collateral cleared by Custodian |
10/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10498262 | [Redact] | [Redact] | 37767370 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | The Verification Appraisal delivered to the borrower was not found in file. | 10/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10500384 | [Redact] | [Redact] | 37746833 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-10-19): Waived on Rate Lock: Collateral cleared by Custodian |
10/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10500384 | [Redact] | [Redact] | 37800118 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 10/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10401574 | [Redact] | 37774733 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-07-10): COGS provided, cleared. Buyer Comment (2026-07-09): please see attached. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401576 | [Redact] | 37774737 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not found in file. | Reviewer Comment (2026-07-07): HOI provided, cleared. Buyer Comment (2026-07-01): EOI uploaded |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401592 | [Redact] | 37774768 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [Redacted] is less than the guideline representative FICO score of [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DSCR on the loan is greater than the guideline minimum. |
Reserves: [Redacted] Guideline Requirement: [Redacted] The DSCR of [Redacted]greater than the minimum required DSCR of [Redacted]. |
Originator,[Redact] [Redact],Originator |
Reviewer Comment (2026-07-09): Client elects to waive with compensating factors. Buyer Comment (2026-07-08): loan exception memo uploaded |
07/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | ||||||||
| [Redact] | 10401592 | [Redact] | 37774774 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Guidelines require that judgments/collections, etc. with a combined value of $[Redacted] be satisfied/cleared. Evidence not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DSCR on the loan is greater than the guideline minimum. |
Reserves: [Redacted] Guideline Requirement: [Redacted] The DSCR of [Redacted]greater than the minimum required DSCR of [Redacted]. |
Originator,[Redact] [Redact],Originator |
Reviewer Comment (2026-07-17): Lender exception with compensating factors. Buyer Comment (2026-07-16): Uploaded Side letter Reviewer Comment (2026-07-15): Exception reflects contingent on borrower signing a side letter that puts those tax dollars into an escrow account. Letter not reflected in file. Buyer Comment (2026-07-14): Loan exception memo uploaded Reviewer Comment (2026-07-13): Documents provided only reflects release of $[Redacted] lien. The other documented amounts are not reflected. Buyer Comment (2026-07-13): Please see attached. |
07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | ||||||||
| [Redact] | 10401592 | [Redact] | 37774775 | Credit | Loan Package Documentation | Application / Processing | Flood | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. | Reviewer Comment (2026-07-13): PDI provided reflecting no damage, cleared. Buyer Comment (2026-07-13): Please see attached inspection report. |
07/13/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||||||||
| [Redact] | 10401600 | [Redact] | 37774823 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. | Note Date is [Redacted] and Hazard Insurance effective date is [Redacted] with an expiration date of [Redacted]. | Reviewer Comment (2026-07-09): Cleared. Buyer Comment (2026-07-08): please see attached and clear. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401603 | [Redact] | 37774833 | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB270 Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-07-14): EV2 exception set in error, there was no provision in the Note to state the Prepayment Penalty will not exceed the maximum permitted by applicable law. Setting new EV3 exception. |
07/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Rate/Term | B | A | A | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401611 | [Redact] | 37774852 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Total of pending judgments and liens is more than $[Redacted]. Evidence that all liens and judgments were paid off before closing is missing. | Reviewer Comment (2026-07-17): Dismissal provided, cleared. Buyer Comment (2026-07-16): Uploaded Dismissed judgment Reviewer Comment (2026-07-15): Provided documentation does not reflect case number reflected on background report Buyer Comment (2026-07-13): please see attached. |
07/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401612 | [Redact] | 37774860 | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB270 Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-07-14): EV2 exception set in error, there was no provision in the Note to state the Prepayment Penalty will not exceed the maximum permitted by applicable law. Setting new EV3 exception. |
07/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | A | B | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401612 | [Redact] | 37774861 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Guidelines require payment/satisfaction of judgments and liens greater than $[Redacted]. Need proof of payment/satisfaction. | Reviewer Comment (2026-07-22): Memo uploaded with name, title and date, cleared. Buyer Comment (2026-07-22): Memo uploaded with name, title and date Reviewer Comment (2026-07-22): Please add name, title and date of person completing the provided memo and will clear. Buyer Comment (2026-07-20): Uploaded memo Reviewer Comment (2026-07-17): Please provide bankruptcy documentation to reflect liens were included. Buyer Comment (2026-07-16): All judgments prior to the bankruptcy filing are uncollectable debts based on federal bankruptcy code: [Redacted] U.S.C. § 524 effect of discharge: After the debtor completes all required plan payments, eligible debts are discharged, and creditors may no longer attempt to collect those discharged obligations. Buyer Comment (2026-07-14): Chapter [Redacted] bankruptcy filed [Redacted] clears guarantor of all previous debt including judgments filed. |
07/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | A | B | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401613 | [Redact] | 37774864 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified assets in the amount of $[Redacted] are insufficient to meet the cash-to-close requirement of $[Redacted]. | Reviewer Comment (2026-07-08): Cleared. Reviewer Comment (2026-07-07): Uploaded document doesn't have the changing balance. Please provide a bank statement reflecting changing balance. Buyer Comment (2026-07-01): pt. [Redacted] Buyer Comment (2026-07-01): Please review attached |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401613 | [Redact] | 37774865 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Verified assets in the amount of $[Redacted] are insufficient to meet the reserve requirement of [Redacted] months. | Reviewer Comment (2026-07-08): Cleared. Buyer Comment (2026-07-07): Please review Reviewer Comment (2026-07-07): Uploaded document doesn't have the changing balance. Please provide a bank statement reflecting changing balance. Buyer Comment (2026-07-01): uploaded files for verification of funds, please review. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401613 | [Redact] | 37774866 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | The minimum FICO requirement for a purchase transaction at [Redacted]% LTV is [Redacted]. | Reviewer Comment (2026-07-08): Cleared. Buyer Comment (2026-07-08): No exception, within Guidelines: [Redacted] FICOs: >[Redacted] DSCR [Redacted]% increase in LTV, as the borrower has a [Redacted] DSCR with a [Redacted] FICO. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401613 | [Redact] | 37774868 | Credit | Asset | Asset Eligibility | Asset | Guideline Issue: Seller concessions exceeds the amount allowed per credit guidelines | The seller concessions exceed the [Redacted]% maximum allowed per guidelines. | Reviewer Comment (2026-07-10): Cleared. Buyer Comment (2026-07-08): Uploaded seller credit adjustment calc |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401615 | [Redact] | 37774877 | 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. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment (2026-07-22): Policy provided with sufficient coverage, cleared. Buyer Comment (2026-07-22): title policy uploaded Reviewer Comment (2026-07-17): The Title Guidelines do not reference that closing instructions are an acceptable document for evidence of provided policy amount. Buyer Comment (2026-07-17): The executed Closing Instructions, signed by the issuing agent, irrevocably bind the issuing agent to issue the lender's title policy in the amount specified in Section C. This satisfies the title coverage requirement pending issuance of the final policy, as a gap between closing and policy issuance is expected. The title requirements call for coverage equal to [Redacted]% of the Note amount, which is consistent with the coverage reflected in the Closing Instructions. Reviewer Comment (2026-07-09): Closing instructions document is not listed as an acceptable document in the general title guidelines. Buyer Comment (2026-07-08): Please see attached executed closing instructions letter, section C which indicates title coverage amount. |
07/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401615 | [Redact] | 37774879 | 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]. | Reviewer Comment (2026-07-08): Cleared. Buyer Comment (2026-07-07): please review Reviewer Comment (2026-07-07): Uploaded document doesn't have the changing balance. Please provide a bank statement reflecting changing balance. Buyer Comment (2026-07-01): Please review attached. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401615 | [Redact] | 37774880 | 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]. | Reviewer Comment (2026-07-08): Cleared. Buyer Comment (2026-07-07): please review |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401616 | [Redact] | 37774887 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-07-08): Cleared. Buyer Comment (2026-07-07): please review Reviewer Comment (2026-07-07): Uploaded document doesn't have the changing balance. Please provide a bank statement reflecting changing balance. Buyer Comment (2026-07-06): additional funds verification uploaded. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401616 | [Redact] | 37774888 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-07-08): Cleared. Buyer Comment (2026-07-07): please review Reviewer Comment (2026-07-07): Uploaded document doesn't have the changing balance. Please provide a bank statement reflecting changing balance. Buyer Comment (2026-07-01): Please review the attached. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401620 | [Redact] | 37774898 | 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. | Reviewer Comment (2026-07-22): Final title provided with sufficient coverage, cleared. Buyer Comment (2026-07-22): title policy uploaded Reviewer Comment (2026-07-17): The Title Guidelines do not reflect that closing instructions are acceptable for evidence of coverage. Buyer Comment (2026-07-17): The executed Closing Instructions, signed by the issuing agent, irrevocably bind the issuing agent to issue the lender's title policy in the amount specified in Section C. This satisfies the title coverage requirement pending issuance of the final policy, as a gap between closing and policy issuance is expected. The title requirements call for coverage equal to [Redacted]% of the Note amount, which is consistent with the coverage reflected in the Closing Instructions. Reviewer Comment (2026-07-09): Closing instructions document is not listed as an acceptable document in the general title guidelines. Buyer Comment (2026-07-08): Please see attached executed closing instructions, section C, which indicates coverage amount. |
07/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401620 | [Redact] | 37774899 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-07-08): Cleared. Buyer Comment (2026-07-07): Please review Reviewer Comment (2026-07-07): Uploaded document doesn't have the changing balance. Please provide a bank statement reflecting changing balance. Buyer Comment (2026-07-01): please see attached. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401620 | [Redact] | 37774901 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-07-08): Cleared. Reviewer Comment (2026-07-07): Uploaded document doesn't have the changing balance. Please provide a bank statement reflecting changing balance. Buyer Comment (2026-07-01): additional verification of funds uploaded. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401621 | [Redact] | 37774906 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Provide additional asset for reserve requirement. | Reviewer Comment (2026-07-08): Cleared. Buyer Comment (2026-07-07): please review Reviewer Comment (2026-07-07): Uploaded document doesn't have the changing balance. Please provide a bank statement reflecting changing balance. Buyer Comment (2026-07-01): additional verification of funds uploaded. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401621 | [Redact] | 37774909 | 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]. | Reviewer Comment (2026-07-08): Cleared. Reviewer Comment (2026-07-07): Uploaded document doesn't have the changing balance. Please provide a bank statement reflecting changing balance. Buyer Comment (2026-07-01): Please see attached. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401622 | [Redact] | 37774911 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Available for Closing of $[Redacted] is insufficient to cover Cash From Borrower $[Redacted] | Reviewer Comment (2026-07-08): Cleared. Buyer Comment (2026-07-07): please review Reviewer Comment (2026-07-07): Uploaded document doesn't have the changing balance. Please provide a bank statement reflecting changing balance. Buyer Comment (2026-07-01): please see attached. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401623 | [Redact] | 37774915 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | The total asset available for closing [Redacted] #[Redacted] of $[Redacted] is less than the cash from the borrower $[Redacted]. | Reviewer Comment (2026-07-08): Cleared. Buyer Comment (2026-07-07): please review Reviewer Comment (2026-07-07): Uploaded documents don't have the changing balance. Please provide a bank statement reflecting changing balance. Reviewer Comment (2026-07-07): Cleared error. Reviewer Comment (2026-07-07): Cleared. Buyer Comment (2026-07-01): Please see attached. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401623 | [Redact] | 37774916 | 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]. | Reviewer Comment (2026-07-08): Cleared. Buyer Comment (2026-07-07): please review Reviewer Comment (2026-07-07): Uploaded documents don't have the changing balance. Please provide a bank statement reflecting changing balance. Reviewer Comment (2026-07-07): Cleared error. Reviewer Comment (2026-07-07): Cleared. Buyer Comment (2026-07-01): additional verification of funds uploaded |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401626 | [Redact] | 37774926 | Credit | Credit | Credit Documentation | Credit | Background check is missing. | - | Reviewer Comment (2026-07-07): Cleared. Buyer Comment (2026-07-01): background report uploaded |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401626 | [Redact] | 37774930 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Verified reserves of [Redacted] months are less than the guideline requirement of [Redacted] months. | Reviewer Comment (2026-07-15): Additional assets and evidence of access to funds provided, cleared. Buyer Comment (2026-07-14): Operating Agreement: [Redacted] Reviewer Comment (2026-07-13): Operating Agreement or evidence to access funds is required for [Redacted] in order to use net proceeds from Cash-Out Refinance. Buyer Comment (2026-07-13): Please see attached for additional liquidity. Reviewer Comment (2026-07-09): The latest bank statement in file is dated [Redacted] and reflects a balance of $[Redacted]. Uploaded bank statement is dated [Redacted] and is not considered as the latest available balance. Buyer Comment (2026-07-08): Updated bank statements uploaded, covers PITIA, includes HUD for large depsoit sourcing x[Redact] |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401638 | [Redact] | 37774944 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Driver License/Verification of Identification are missing from the file. | Reviewer Comment (2026-07-07): Driver's license provided, cleared. Buyer Comment (2026-07-01): DL uploaded |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | C | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10401638 | [Redact] | 37774945 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Subject property is currently occupied by tenant, however there is no Lease agreement. | Reviewer Comment (2026-07-07): lease provided, cleared. Buyer Comment (2026-06-30): lease re-uploaded |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | C | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10401638 | [Redact] | 37774947 | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB270 Prepayment Penalty Test [Redacted] Investment | [Redacted]: Mortgage loan contains an impermissible prepayment penalty. | Prepayment Penalty Period ([Redacted]) > [Redacted] | Reviewer Comment (2026-07-17): Client elected change in testing. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10401638 | [Redact] | 37774948 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Subtitle 1 - 12-105(c)(4) Interest and Usury Prepayment Penalty (SB270; 2008) - Permissive Method | [Redacted] Subtitle [Redacted] Interest and [Redacted] Prepayment Penalty (Prior to [Redacted]): Alternate prepayment penalty testing methodology utilized under §[Redacted] allowing prepays over prescribed limits (greater than [Redacted] months or [Redacted] months' advanced interest on prepayment in excess of [Redacted] of original loan amount) to be treated as interest, with amounts under the limit not as interest. Alternate testing was deemed acceptable by [Redacted] outside counsel given the [Redacted] in the state law. | Reviewer Comment (2026-07-18): Client acknowledges EV-2 [Redacted] exceptions and elects to waive. |
07/18/2026 | No | 2 | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | C | B | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10401644 | [Redact] | 37774970 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | FICO score of [Redacted] does not meet guideline FICO score of [Redacted]. | Reviewer Comment (2026-07-09): Cleared Buyer Comment (2026-07-08): No exception, within Guidelines: [Redacted]-[Redacted]FICOs: >[Redacted]DSCR [Redacted]% increase in LTV, as the borrower has a [Redacted] DSCR with a [Redacted]FICO. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401651 | [Redact] | 37774983 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-07-10): RCE provided, cleared. Buyer Comment (2026-07-08): The coverage on EOI is $[Redacted], the Replacement cost is $[Redacted], see RCE |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401655 | [Redact] | 37774990 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The Hazard Insurance Policy effective date is after the closing date. | Reviewer Comment (2026-07-07): Cleared. Buyer Comment (2026-07-06): effective date is on/same as closing/disbursement date, please clear. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401658 | [Redact] | 37774996 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement - Real Estate Owned (REO) not provided | Subject is tenant occupied per appraisal. Lease agreement is required and not provided. | Reviewer Comment (2026-07-07): Lease provided, cleared. Buyer Comment (2026-06-30): lease uploaded |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401666 | [Redact] | 37775008 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | Provided Credit report dated [Redacted] is more than [Redacted] days from note date [Redacted]. | Reviewer Comment (2026-07-09): Guideline update provided, credit report allowed to be 120 days. Buyer Comment (2026-07-09): Per guidelines, it's 120 days not 90 |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401668 | [Redact] | 37775011 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | Provided Credit report dated [Redacted] is more than [Redacted] days from note date [Redacted]. | Reviewer Comment (2026-07-09): Guideline update provided, credit report allowed to be 120 days. Buyer Comment (2026-07-09): Per guidelines, it's 120 days not 90 |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401677 | [Redact] | 37775044 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | Reviewer Comment (2026-07-13): OFAC provided, cleared. Buyer Comment (2026-07-13): Please see attached. Reviewer Comment (2026-07-10): Both signed as Trustees OFAC required. Buyer Comment (2026-07-09): [Redacted] are not guarantors. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401677 | [Redact] | 37775045 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-20): Cleared. Reviewer Comment (2026-07-20): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Title Evidence: Commitment |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401677 | [Redact] | 37775046 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Transaction Error: Outstanding liens were not paid at closing. | Payoff of liens were not added on the closing statement. | Reviewer Comment (2026-07-20): Cleared. Buyer Comment (2026-07-17): Please see attached FInal Title Poicy showing no exception to these items. Reviewer Comment (2026-07-16): Provided documentation does not clear items #[Redacted] and # regarding judgments being reflected on title. Buyer Comment (2026-07-14): see additional docs Buyer Comment (2026-07-14): Please see attached. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401688 | [Redact] | 37775066 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-07-07): Cleared. Buyer Comment (2026-07-01): additional funds verification uploaded |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | B | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401688 | [Redact] | 37775067 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Please provide asset documentation for reserve requirement. | Reviewer Comment (2026-07-07): Cleared. Reviewer Comment (2026-07-07): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Buyer Comment (2026-07-01): additional funds verification uploaded |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401688 | [Redact] | 37775070 | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB270 Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-07-14): EV2 exception set in error, there was no provision in the Note to state the Prepayment Penalty will not exceed the maximum permitted by applicable law. Setting new EV3 exception. |
07/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401689 | [Redact] | 37775072 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Missing Final HUD-1 Not Subject to APL Testing (Business Purpose Loan) | Missing Final HUD-1: No document containing points and fees provided. Investment occupancy with business purpose cert in file. Loan is not subject to APL tests in scope requiring points and fees. | Final HUD-1 is missing from the file. | Reviewer Comment (2026-07-23): Cleared |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401689 | [Redact] | 37775073 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Additional assets are required to fulfill cash from borrower requirements. | Reviewer Comment (2026-07-16): Cleared. Reviewer Comment (2026-07-16): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Documented qualifying Assets for Closing of [Redacted] is less than Cash From Borrower $[Redacted]. Buyer Comment (2026-07-15): Uploaded M[Redacted] bank statement Reviewer Comment (2026-07-13): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Documented qualifying Assets for Closing of [Redacted] is less than Cash From Borrower $[Redacted]. Reviewer Comment (2026-07-07): Uploaded document doesn't have the changing balance. Please provide a bank statement reflecting changing balance. Buyer Comment (2026-07-01): Please see attached. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401689 | [Redact] | 37775075 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Additional assets are required to fulfill reserves requirements. | Reviewer Comment (2026-07-16): Cleared. Reviewer Comment (2026-07-16): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Buyer Comment (2026-07-15): Uploaded M[Redacted] bank statement Reviewer Comment (2026-07-07): Uploaded document doesn't have the changing balance. Please provide a bank statement reflecting changing balance. Buyer Comment (2026-07-01): additional funds verification uploaded. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401689 | [Redact] | 37775076 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD-1 is missing from the file. | Reviewer Comment (2026-07-16): Note reflects impounds being collected with monthly payment, cleared. Buyer Comment (2026-07-15): Please refer to section [Redacted] of the Note, which states that borrower will be making monthly impound payments. Reviewer Comment (2026-07-15): Please provide documentation that escrow account will be established. Buyer Comment (2026-07-13): Next tax due date isn't til [Redacted], therefore no impounds collected at closing. Borrower's first due date for loan is [Redacted] which will include impounds. Reviewer Comment (2026-07-13): HUD provided however, missing escrow for taxes. Buyer Comment (2026-07-10): Please see attached |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401690 | [Redact] | 37775081 | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB270 Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-07-14): EV2 exception set in error, there was no provision in the Note to state the Prepayment Penalty will not exceed the maximum permitted by applicable law. Setting new EV3 exception. |
07/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401696 | [Redact] | 37775096 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per guidelines, a cash out refinance that occurs >=[Redacted] days and <[Redacted] days requires the original purchase HUD and rehab budget/SOW to support the increase in value. | Reviewer Comment (2026-07-09): Cleared. Buyer Comment (2026-07-08): Uploaded SOW |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401697 | [Redact] | 37775100 | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB270 Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Prepayment Penalty Period ([Redacted]) > [Redacted] | Reviewer Comment (2026-07-14): EV2 exception set in error, there was no provision in the Note to state the Prepayment Penalty will not exceed the maximum permitted by applicable law. Setting new EV3 exception. |
07/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Rate/Term | B | A | A | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401699 | [Redact] | 37775108 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Exception Request Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. | Reviewer Comment (2026-07-07): Cleared. Reviewer Comment (2026-07-07): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Buyer Comment (2026-07-01): additional funds verification uploaded |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401704 | [Redact] | 37775123 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | Credit Report date is more than [Redacted] days prior to the note date. | Reviewer Comment (2026-07-09): Guideline update provided, credit report allowed to be 120 days. Buyer Comment (2026-07-09): Per guidelines, it's 120 days not 90 |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401705 | [Redact] | 37775125 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-07): Cleared. |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | B | A | D | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401705 | [Redact] | 37775126 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-07-07): Cleared. Buyer Comment (2026-07-01): Final title policy uploaded |
07/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | B | A | D | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401705 | [Redact] | 37775129 | Compliance | Compliance | Federal Compliance | TRID Defect | Missing Closing Disclosure: No Document Used For Fee Testing | Missing Final Closing Disclosure. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | Reviewer Comment (2026-07-10): Cleared. Buyer Comment (2026-07-09): HUD uploaded. we don't use CD as we are not governed by TRID |
07/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | B | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401710 | [Redact] | 37775141 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | FICO score of [Redacted] is less than the guideline-required FICO score of [Redacted] for an LTV of [Redacted]%. | Reviewer Comment (2026-07-14): Received underwriting policy for calculating the FICO score utilizing the highest mid score. Buyer Comment (2026-07-09): Underwriting used the higher of both sponsor's mid FICO scores resulting in [Redacted] -mid FICO used for final approved loan terms: FICO score of [Redacted] for an LTV of [Redacted]%. Reviewer Comment (2026-07-09): The guidelines we have say Minimum XXX-mid FICO score for each Guarantor. There is no other area that lists using the highest borrower score. If there are updated guidelines, please have them emailed to us. Buyer Comment (2026-07-08): No exception, within Guidelines: FICO used for underwriting is the higher of the [Redacted] guarantors which ends up being a [Redacted] mid FICO meeting credit score requirement for [Redacted] LTV |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401710 | [Redact] | 37775142 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Guarantor does not meet credit score requirement for [Redacted]% LTV ([Redacted]+). | Reviewer Comment (2026-07-09): Cleared. Buyer Comment (2026-07-08): No exception, within Guidelines: FICO used for underwriting is the higher of the [Redacted] guarantors which ends up being a [Redacted] mid FICO meeting credit score requirement for [Redacted]% LTV |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401711 | [Redact] | 37775146 | Credit | Collateral | Missing/Incorrect | Collateral | Missing document: Lease on leasehold property is not in file | Reviewer Comment (2026-07-23): Ground lease provided reflecting term past the maturity date, cleared. Buyer Comment (2026-07-22): please refer to page [Redacted] Reviewer Comment (2026-07-22): Missing page in upload that reflects "for the term of [Redacted] years". Buyer Comment (2026-07-17): Good to proceed as the ground lease will expire past our maturity date. The ground lease matures [Redacted], Page [Redacted] states the lease was made on [Redacted]th day of [Redacted] and page [Redacted] contains the lease terms which reads "for the term of [Redacted] years" Reviewer Comment (2026-07-13): Ground lease provided does not reflect lease terms that extend beyond the maturity date as required by the guidelines. Buyer Comment (2026-07-13): Updated guidelines emailed to [Redacted]. Reviewer Comment (2026-07-10): We do not have those guidelines. Please have the guidelines emailed to us as we cannot receive new guidelines or updates at the loan level rebuttal. Buyer Comment (2026-07-09): please see attached. Reviewer Comment (2026-07-09): Guidelines provided for this review state ground leases are ineligible, do not see where it is allowed under certain circumstances. If there are more recent guidelines available, please have them emailed to us. Buyer Comment (2026-07-07): Per guidelines, ground leases are eligible if common within the location and expire outside the maturity date. Reviewer Comment (2026-07-06): Ground lease ineligible per guidelines. Buyer Comment (2026-06-30): Lease and rentroll re-uploaded |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401712 | [Redact] | 37775150 | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB270 Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-07-14): EV2 exception set in error, there was no provision in the Note to state the Prepayment Penalty will not exceed the maximum permitted by applicable law. Setting new EV3 exception. |
07/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401725 | [Redact] | 37775186 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-07-07): Cleared. Buyer Comment (2026-07-01): additional funds verification uploaded |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401725 | [Redact] | 37775187 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-07-07): Cleared. Buyer Comment (2026-07-01): additional funds verification uploaded. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401725 | [Redact] | 37775190 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The loan file does not document the receipt of the rent and security deposit for the subject property. | Reviewer Comment (2026-07-09): Cleared. Buyer Comment (2026-07-08): Uploaded rent roll. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401726 | [Redact] | 37775191 | Credit | Missing Document | General | Missing Document | Missing Document: Ground Lease not provided | Reviewer Comment (2026-07-20): Cleared. Buyer Comment (2026-07-17): Ground Lease and HUD uploaded, redeemed at closing see line items [Redacted] on HUD Reviewer Comment (2026-07-13): Missing ground lease that states lease terms that extend beyond the maturity date. Buyer Comment (2026-07-13): Updated guidelines emailed to L[Redacted]. Reviewer Comment (2026-07-10): We do not have those guidelines. Please have the guidelines emailed to us as we cannot receive new guidelines or updates at the loan level rebuttal. Buyer Comment (2026-07-09): please see attached. Reviewer Comment (2026-07-09): Guidelines provided for this review state ground leases are ineligible, do not see where it is allowed under certain circumstances. If there are more recent guidelines available, please have them emailed to us. Buyer Comment (2026-07-07): Per guidelines ground leases are eligible if common within the location and expire outside the maturity date. Reviewer Comment (2026-07-06): Ground lease ineligible per guidelines. Buyer Comment (2026-06-30): leasehold agreement uploaded |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401726 | [Redact] | 37775194 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-07-20): Cleared. Buyer Comment (2026-07-20): please see attached. |
07/20/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||||||
| [Redact] | 10401726 | [Redact] | 37775195 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2026-07-20): Cleared. Buyer Comment (2026-07-20): please see attached |
07/20/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||||||
| [Redact] | 10401731 | [Redact] | 37775201 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Policy start date matches with loan disbursement date. | Reviewer Comment (2026-07-07): Cleared. Buyer Comment (2026-07-01): Please advise if there's anything we need to clear on this one. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401736 | [Redact] | 37775214 | 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], and Note date is [Redacted]. | Reviewer Comment (2026-07-07): Cleared. Buyer Comment (2026-07-01): Note date does not equal funding date which is [Redacted], please clear. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401736 | [Redact] | 37775215 | 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]. | Reviewer Comment (2026-07-22): Have print out day of closing, have [Redacted] months of bank statements and have statement to fill in gap. Sufficient funds to close documented. Buyer Comment (2026-07-21): The entire [Redacted] statement was provided to reconcile with the transaction history and balance statement prior to closing. *Please note the typo in the comment dated [Redacted] at [Redacted] pm should read the [Redacted] (not [Redacted]) statement balance of $[Redacted]. Reviewer Comment (2026-07-21): The bank statements provided appear to be cut off as the running balance on the corresponding statements is not visible. Buyer Comment (2026-07-20): Guidelines requires verification of funds within 90-days of closing and does not require day of closing fund verification. Processing and Underwriting used the [Redacted] $[Redacted] balance statement as liquidity validation prior to closing. As indicated by the bank statement analysis previously provided they had adequate funds prior to closing on [Redacted] after the $[Redacted] funds were wired by the borrower for closing. Reference the previously provided wire and [Redacted] statement balance of $[Redacted]. Reviewer Comment (2026-07-20): Trailing bank statement is dated [Redacted] . Note date [Redacted] . Ending balance for acc#[Redacted]as of [Redacted] reflects $[Redacted]. Exception remains open due insufficient funds to close. Buyer Comment (2026-07-17): Source of Closing Funds Buyer Comment (2026-07-17): Transaction History Meta Date Date/Time Stamp Verification Buyer Comment (2026-07-17): Transaction History [Redacted] Buyer Comment (2026-07-17): [Redacted] bank statement Buyer Comment (2026-07-17): Liquidity Analysis Memo Reviewer Comment (2026-07-17): The provided bank statement does not reflect the balances with the corresponding transactions in order to match the balance being used for closing/reserves and the date of that balance as the statement provided is post closing. Buyer Comment (2026-07-14): [Redacted] bank statement with transaction history and dates prior to [Redacted] close date to reconcile with the transaction history balance used prior to closing. Reviewer Comment (2026-07-13): Print out provided does not reflect all transaction history reflecting $[Redacted] balance. Buyer Comment (2026-07-13): Please see attached explanation. Reviewer Comment (2026-07-07): Trailing bank statement reflecting balance of $[Redacted] is not dated. Buyer Comment (2026-07-01): additional funds verification uploaded |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401736 | [Redact] | 37775217 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-07-22): Have print out day of closing, have [Redacted] months of bank statements and have statement to fill in gap. Sufficient funds documented. Reviewer Comment (2026-07-21): The bank statements provided appear to be cut off as the running balance on the corresponding statements is not visible. Buyer Comment (2026-07-20): [Redacted] account balance transaction statement Buyer Comment (2026-07-20): [Redacted] account balance statement Buyer Comment (2026-07-20): Liquidity Analysis Buyer Comment (2026-07-20): Guidelines requires verification of funds within 90-days of closing and does not require day of closing fund verification. Processing and Underwriting used the [Redacted] $[Redacted] balance statement as liquidity validation prior to closing. As indicated by the bank statement analysis previously provided they had adequate funds prior to closing on [Redacted] after the $[Redacted] funds were wired by the borrower for closing. Reference the previously provided wire and [Redacted] statement balance of $[Redacted]. Reviewer Comment (2026-07-20): Trailing bank statement is dated [Redacted]. Note date [Redacted]. Ending balance for acc#[Redacted] as of [Redacted] reflects $[Redacted]. Exception remains open due insufficient funds to close. Reviewer Comment (2026-07-17): The provided bank statement does not reflect the balances with the corresponding transactions in order to match the balance being used for closing/reserves and the date of that balance as the statement provided is post closing. Buyer Comment (2026-07-15): Uploaded [Redacted] statement Reviewer Comment (2026-07-07): Trailing bank statement reflecting balance of $[Redacted]is not dated. Buyer Comment (2026-07-01): additional funds verification uploaded, please clear. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401736 | [Redact] | 37775218 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Please provide evidence that the tax liens and judgments were satisfied. | Reviewer Comment (2026-07-17): Releases provided, cleared. Buyer Comment (2026-07-15): Uploaded lien releases |
07/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401739 | [Redact] | 37775232 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is missing in the file. | Reviewer Comment (2026-07-06): Cleared. Buyer Comment (2026-07-01): OA uploaded |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401741 | [Redact] | 37775236 | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB270 Prepayment Penalty Test [Redacted] Investment | [Redacted] : Mortgage loan contains an impermissible prepayment penalty. | Mortgage loan contains an impermissible prepayment penalty. | Reviewer Comment (2026-07-17): Client elected to change testing method. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10401741 | [Redact] | 37775238 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Subtitle 1 - 12-105(c)(4) Interest and Usury Prepayment Penalty (SB270; 2008) - Permissive Method | [Redacted] Subtitle 1 - 12-105(c)(4) Interest and Usury Prepayment Penalty (Prior to [Redacted]): Alternate prepayment penalty testing methodology utilized under §12-105(c)(4) allowing prepays over prescribed limits (greater than [Redacted] months or [Redacted] months' advanced interest on prepayment in excess of [Redacted] of original loan amount) to be treated as interest, with amounts under the limit not as interest. Alternate testing was deemed acceptable by [Redacted] outside counsel given the ambiguity in the state law. | Reviewer Comment (2026-07-18): Client acknowledges EV-2 [Redacted] exceptions and elects to waive. |
07/18/2026 | No | 2 | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10401743 | [Redact] | 37775239 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance coverage is insufficient by $[Redacted]. | Reviewer Comment (2026-07-10): RCE provided, cleared. Buyer Comment (2026-07-08): The coverage on EOI is $[Redacted] , the Replacement cost is $[Redacted] , see RCE |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401744 | [Redact] | 37775243 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of Non-US Citizen Status is missing in the file. | Reviewer Comment (2026-07-10): Permanent resident card provided, cleared. Buyer Comment (2026-07-09): please see attached |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401745 | [Redact] | 37775250 | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB270 Prepayment Penalty Test [Redacted] Investment | [Redacted]: Mortgage loan contains an impermissible prepayment penalty. | Maximum prepayment penalty allowed for [Redacted] is [Redacted] months. | Reviewer Comment (2026-07-17): Client elected to change testing method. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | A | A | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10401745 | [Redact] | 37775252 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Subtitle 1 - 12-105(c)(4) Interest and Usury Prepayment Penalty (SB270; 2008) - Permissive Method | [Redacted] Subtitle 1 - 12-105(c)(4) Interest and Usury Prepayment Penalty (Prior to [Redacted]): Alternate prepayment penalty testing methodology utilized under §12-105(c)(4) allowing prepays over prescribed limits (greater than [Redacted] months or [Redacted] months' advanced interest on prepayment in excess of [Redacted] of original loan amount) to be treated as interest, with amounts under the limit not as interest. Alternate testing was deemed acceptable by [Redacted] outside counsel given the ambiguity in the state law. | Reviewer Comment (2026-07-18): Client acknowledges EV-2 [Redacted] exceptions and elects to waive. |
07/18/2026 | No | 2 | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | A | A | C | B | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10401754 | [Redact] | 37775272 | Credit | Missing Document | General | Missing Document | Missing Document: Ground Lease not provided | Final title policy verifies subject property is leasehold. | Reviewer Comment (2026-07-22): Lease provided with renewal confirmation provided by [Redacted], cleared. Buyer Comment (2026-07-21): Ground Lease Uploaded. Renewal clause extending the ground lease for another [Redacted] years can be found on page [Redacted] of the ground lease Reviewer Comment (2026-07-21): Copy of the ground lease not provided in file. Buyer Comment (2026-07-17): Renewal clause extending the ground lease for another [Redacted] years can be found on page [Redacted] of the ground lease Buyer Comment (2026-07-17): Please see attached convo with title regarding automatic renewal, taking that into account expiration date of [Redacted]. Reviewer Comment (2026-07-13): Ground lease uploaded is incomplete and does not reflect lease terms. Buyer Comment (2026-07-13): Updated guidelines emailed to [Redacted]. Reviewer Comment (2026-07-10): We do not have those guidelines. Please have the guidelines emailed to us as we cannot receive new guidelines or updates at the loan level rebuttal. Buyer Comment (2026-07-09): please see attached. Reviewer Comment (2026-07-09): Guidelines provided for this review state ground leases are ineligible, do not see where it is allowed under certain circumstances. If there are more recent guidelines available, please have them emailed to us. Buyer Comment (2026-07-07): Per guidelines ground leases are eligible if common within the location and expire outside the maturity date. Reviewer Comment (2026-07-06): Ground lease ineligible per guides. Buyer Comment (2026-06-30): ground lease uploaded |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401758 | [Redact] | 37775283 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Reviewer Comment (2026-08-07): Client provided an attestation, they meet exclusion criteria as being a non-bank lender and not backed by, issued or sold through federal programs like FHA, VA or Fanny/Freddie and request the exception be cleared. |
08/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401759 | [Redact] | 37775286 | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Coverage amount was not provided. | Flood insurance coverage amount was not provided. | Reviewer Comment (2026-07-06): Cleared. Buyer Comment (2026-07-01): flood insurance uploaded |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401759 | [Redact] | 37775287 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Evidence of borrowers' receipt of the Notice of Special Flood Hazard Disclosure was not provided. | Reviewer Comment (2026-08-07): Client provided an attestation, they meet exclusion criteria as being a non-bank lender and not backed by, issued or sold through federal programs like FHA, VA or Fanny/Freddie and request the exception be cleared. |
08/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401759 | [Redact] | 37775288 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. | The closing statement does not reflect escrows were collected as required by guidelines. | Reviewer Comment (2026-07-13): HUD provided reflecting tax collection, cleared. Buyer Comment (2026-07-10): please see attached. [Redacted]. Reviewer Comment (2026-07-10): Provided HUD does not reflect taxes collected for escrow. Buyer Comment (2026-07-09): Uploaded HUD tax impounds held |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401763 | [Redact] | 37775297 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating agreement is missing in file. | Reviewer Comment (2026-07-06): Cleared. Buyer Comment (2026-07-01): OA uploaded |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401679 | [Redact] | 37775309 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Address: [Redacted] | Flood Certificate for [Redacted] is missing | Reviewer Comment (2026-07-02): Received Buyer Comment (2026-07-02): Flood cert uploaded |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10401679 | [Redact] | 37775310 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | Credit Report date is more than [Redacted] days prior to the note. | Reviewer Comment (2026-07-09): Received updated guideline information, credit reports are good for 120 days. Buyer Comment (2026-07-09): Per guidelines, it's 120 days not 90 |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10401679 | [Redact] | 37775311 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted]is less than the note amount of $[Redacted]based on the Commitment in file. | Reviewer Comment (2026-07-02): Updated coverage provided, cleared. Buyer Comment (2026-07-02): title policy uploaded |
07/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10401740 | [Redact] | 37775316 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Address: [Redacted] | Flood Certificate is missing in file. | Reviewer Comment (2026-07-08): Flood cert provided, cleared. Buyer Comment (2026-07-07): please review Reviewer Comment (2026-07-02): Only received flood cert for [Redact], need for [Redact]. Buyer Comment (2026-06-30): Flood certs uploaded for [Redacted] and [Redacted] |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10401740 | [Redact] | 37775317 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Address: [Redacted] | Hazard Insurance Policy is missing in file | Reviewer Comment (2026-07-02): EOI provided, cleared. Buyer Comment (2026-06-30): EOI uploaded |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10401740 | [Redact] | 37775318 | Credit | Guideline | Guideline Issue | Guideline | Hazard Insurance Coverage Amount is insufficient per guidelines. | Original Loan Amount: ___; Estimated Cost New: ___; Lender Documented Insured Value: ___ | The provided hazard insurance has a shortfall of coverage of $[Redacted]. | Reviewer Comment (2026-07-24): Insurance provided with increased dwelling coverage, cleared. Buyer Comment (2026-07-23): Revised EOII for [Redacted] [Redact] reflecting $[Redacted] Reviewer Comment (2026-07-09): There is sufficient coverage for the property on [Redacted]. The appraisal reflects $[Redacted] replacement cost new, the hazard insurance shows $[Redacted] in coverage, no RPEstimators found in file. Buyer Comment (2026-07-08): Please review both EOIs for [Redacted] and [Redacted]. |
07/24/2026 | No | 1 | A | A | A | A | A | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| [Redact] | 10401748 | [Redact] | 37775322 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | - | Reviewer Comment (2026-07-02): Appraisal provided, cleared. Buyer Comment (2026-07-02): Appraisal uploaded is dated as of [Redacted], is the post disaster inspection still required? |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Rate/Term | D | A | D | A | D | A | N/A | No | |||||||||||||||
| [Redact] | 10401748 | [Redact] | 37775323 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | - | 1073 Appraisal Document missing in Loan File. | Reviewer Comment (2026-07-02): Appraisal provided, cleared. Buyer Comment (2026-07-02): appraisal uploaded |
07/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | Investment | Refinance - Rate/Term | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10401748 | [Redact] | 37775324 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | - | Secondary Valuation Document missing in Loan File. | Reviewer Comment (2026-07-02): CDA provided, cleared. Buyer Comment (2026-07-02): ARR uploaded |
07/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | Investment | Refinance - Rate/Term | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10401748 | [Redact] | 37775325 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Address: [Redacted] | Reviewer Comment (2026-07-02): Appraisal provided, cleared. Buyer Comment (2026-06-30): appraisal uploaded Buyer Comment (2026-06-30): Appraisal/ARR uploaded |
07/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | Investment | Refinance - Rate/Term | D | A | D | A | D | A | N/A | No | |||||||||||||||
| [Redact] | 10401748 | [Redact] | 37775326 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing Trust Agreement to verify guarantor has access to the Trust funds. | Reviewer Comment (2026-07-10): Cleared. Buyer Comment (2026-07-09): Didn't use the assets from the trust for this loan. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Rate/Term | D | A | D | A | D | A | N/A | No | |||||||||||||||
| [Redact] | 10401748 | [Redact] | 37775327 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing Trust Agreement to verify guarantor has access to the Trust funds. | Reviewer Comment (2026-07-10): Cleared. Buyer Comment (2026-07-09): Didn't use the assets from the trust for this loan. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Rate/Term | D | A | D | A | D | A | N/A | No | |||||||||||||||
| [Redact] | 10401768 | [Redact] | 37775336 | Credit | Collateral | Missing/Incorrect | Collateral | Missing document: Lease on leasehold property is not in file | Reviewer Comment (2026-07-22): Redemption reflected on HUD in file and final title in file reflecting fee simple, cleared. Buyer Comment (2026-07-17): Ground lease and HUD uploaded. The Ground Lease was redeemed at closing, associated fees shown on HUD line items [Redacted] |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401768 | [Redact] | 37775337 | Credit | Missing Document | General | Missing Document | Missing Document: Ground Lease not provided | Reviewer Comment (2026-07-22): Redemption reflected on HUD in file and final title in file reflecting fee simple, cleared Buyer Comment (2026-07-17): Ground lease and HUD uploaded. The Ground Lease was redeemed at closing, associated fees shown on HUD line items [Redacted] |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401772 | [Redact] | 37775340 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | Credit report is >[Redacted] days from the Note date. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Reserves: [Redacted] Guideline Requirement: [Redacted] |
Originator,[Redact] | Reviewer Comment (2026-07-20): Client elects to waive with compensating factors. Buyer Comment (2026-07-17): The exception memo was approved prior to closing. Reviewer Comment (2026-07-17): Please confirm if the exception for the credit report provided was approved pre or post closing. Buyer Comment (2026-07-16): Approved exception memo Reviewer Comment (2026-07-15): Credit report provided is post close. Buyer Comment (2026-07-14): Updated credit report uploaded, reflecting no deterioration in the FICO score. |
07/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||
| [Redact] | 10401774 | [Redact] | 37775342 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final title policy was not provided in file. | Reviewer Comment (2026-07-20): Cleared. |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401774 | [Redact] | 37775343 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The title policy amount of $[Redacted] is less than the note amount of $[Redacted] based on the commitment in file. | Reviewer Comment (2026-07-17): Policy provided, cleared. Buyer Comment (2026-07-17): please see attached. |
07/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401774 | [Redact] | 37775345 | Credit | Collateral | Missing/Incorrect | Collateral | Missing document: Lease on leasehold property is not in file | Reviewer Comment (2026-07-20): Cleared. Buyer Comment (2026-07-17): please see attached |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401774 | [Redact] | 37775346 | Credit | Missing Document | General | Missing Document | Missing Document: Ground Lease not provided | Reviewer Comment (2026-07-20): Cleared. Buyer Comment (2026-07-17): Ground lease expires [Redacted] which is after maturity date. Refer to page lease is dated [Redacted], page [Redacted] lease term [Redacted] years |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401780 | [Redact] | 37775363 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. | Reviewer Comment (2026-07-22): Renewal provided, cleared. Buyer Comment (2026-07-22): Renewal attached |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401780 | [Redact] | 37775365 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution for signing authority was not provided. | Reviewer Comment (2026-07-16): Written consent provided giving signing authority. Buyer Comment (2026-07-14): Please see attached. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401780 | [Redact] | 37775366 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. | Subject hazard insurance premium is missing from evidence of insurance. | Reviewer Comment (2026-07-22): Trailing document with listed premium provided, cleared. Reviewer Comment (2026-07-20): Trailing document does not reflect issuing company information. Please provide complete document. Buyer Comment (2026-07-17): [Redacted] Pack Loan we closed, annual allocation uploaded |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401780 | [Redact] | 37775367 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The loan file is missing an operating agreement/Bylaws for [Redacted] | Reviewer Comment (2026-07-17): Trust agreement provided, cleared. Buyer Comment (2026-07-16): Please see attached. Reviewer Comment (2026-07-16): Please provide the trust agreement for the [Redacted][Redacted]living trust. Buyer Comment (2026-07-14): please see attached. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401781 | [Redact] | 37775369 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. | Insurance Policy Expiration Date is less than [Redacted] days from the Note Date. | Reviewer Comment (2026-07-22): Renewal provided, cleared. Buyer Comment (2026-07-22): Renewal attached |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401781 | [Redact] | 37775371 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Missing an operating agreement and/or bylaws for [Redacted] | Reviewer Comment (2026-07-17): Trust agreement provided. Buyer Comment (2026-07-16): Please see attached. Reviewer Comment (2026-07-16): Please provide Trust documentation for [Redacted]. Buyer Comment (2026-07-14): Please see attached. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401781 | [Redact] | 37775372 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The loan file is missing a corporate resolution authorizing the signer to execute all documents on behalf of the entity. | Reviewer Comment (2026-07-16): Written consent provided, cleared. Buyer Comment (2026-07-14): Please see attached. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401782 | [Redact] | 37775373 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. | Policy is due within [Redacted] days; a new policy is required in the file. | Reviewer Comment (2026-07-22): Renewal provided, cleared. Buyer Comment (2026-07-22): Renewal attached |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401782 | [Redact] | 37775376 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The loan file is missing a corporate resolution authorizing the signer to execute all documents on behalf of the entity. | Reviewer Comment (2026-07-16): Written consent provided giving signing authority, cleared. Buyer Comment (2026-07-14): Please see attached. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401782 | [Redact] | 37775377 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. | Blanket coverage does not specify interior coverage. | Reviewer Comment (2026-07-22): Renewal provided, cleared. Buyer Comment (2026-07-22): Renewal attached, see exhibit with list of properties to see coverage amount Reviewer Comment (2026-07-20): No hazard policy uploaded. Buyer Comment (2026-07-17): Please see attached. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401782 | [Redact] | 37775378 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The credit application reflects an entity ([Redacted]) that is different than what is reflected on the Note. | Reviewer Comment (2026-07-21): Credit application for the business entity provided, cleared. Buyer Comment (2026-07-20): Application Reviewer Comment (2026-07-20): [Redacted] is not listed as any party to this transaction. The application provides disclosures of multiple kinds, like has there been a bankruptcy, foreclosure, felony, contingently liable for debts, Civil or criminal judgements. This information is required for the Borrower, Affiliated Entities and Each Owner. The application provided is invalid and that information is missing for the borrowing entity. Buyer Comment (2026-07-16): Uploaded Credit Application Explanation Memo |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401782 | [Redact] | 37775379 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The loan file is missing an operating agreement/Bylaws for [Redacted] | Reviewer Comment (2026-07-17): Trust agreement provided, cleared. Buyer Comment (2026-07-16): please see attached. Reviewer Comment (2026-07-16): Bylaws provided. Please provide trust agreement for [Redacted]. Buyer Comment (2026-07-14): Please see attached. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401783 | [Redact] | 37775380 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. | Insurance Policy Expiration Date is less than [Redacted] days of the Note Date. | Reviewer Comment (2026-07-22): Renewal provided, cleared. Buyer Comment (2026-07-22): Renewal attached |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401783 | [Redact] | 37775383 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The loan file is missing an operating agreement/Bylaws for [Redacted] | Reviewer Comment (2026-07-17): Trust agreement provided, cleared. Buyer Comment (2026-07-16): please see attached. Reviewer Comment (2026-07-16): Please provide the trust agreement for the [Redacted]. Buyer Comment (2026-07-14): Please see attached. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401783 | [Redact] | 37775384 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The loan file is missing a corporate resolution authorizing the signer to execute all documents on behalf of the entity. | Reviewer Comment (2026-07-16): Written consent provided, cleared. Buyer Comment (2026-07-14): Please see attached. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401785 | [Redact] | 37775392 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. | Insurance Policy Expiration Date is less than [Redacted] days of the Note Date and does not have automatic renewal. | Reviewer Comment (2026-07-22): Renewal provided, cleared. Buyer Comment (2026-07-22): Renewal attached |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401785 | [Redact] | 37775393 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution for signing authority was not provided. | Reviewer Comment (2026-07-16): Written consent provided giving signing authority. Buyer Comment (2026-07-14): Please see attached. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401785 | [Redact] | 37775394 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided | Bylaws for [Redacted]. were not provided to determine ownership of the borrowing entity. | Reviewer Comment (2026-07-17): Trust documentation provided, cleared. Buyer Comment (2026-07-16): please see attached. Reviewer Comment (2026-07-16): Bylaws provided, please provide trust agreement for [Redacted] living trust. Buyer Comment (2026-07-14): please see attached |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401785 | [Redact] | 37775395 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. | Subject hazard insurance premium is missing from evidence of insurance. | Reviewer Comment (2026-07-22): Renewal provided, cleared. Buyer Comment (2026-07-22): Renewal uploaded Reviewer Comment (2026-07-20): Trailing document does not reflect issuing company information. Please provide complete document. Buyer Comment (2026-07-17): Please see attached. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401785 | [Redact] | 37775397 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The borrowing entity ([Redacted]) on the credit application is not the same as the borrowing entity on the Note. | Reviewer Comment (2026-07-21): Credit application for the business entity provided, cleared. Buyer Comment (2026-07-20): Application Reviewer Comment (2026-07-20): [Redacted] is not listed as any party to this transaction. The application provides disclosures of multiple kinds, like has there been a bankruptcy, foreclosure, felony, contingently liable for debts, Civil or criminal judgements. This information is required for the Borrower, Affiliated Entities and Each Owner. The application provided is invalid and that information is missing for the borrowing entity. Buyer Comment (2026-07-16): Uploaded Credit Application Explanation Memo |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401788 | [Redact] | 37775419 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | HO-3 policy is missing in file. | Reviewer Comment (2026-07-20): cleared. Buyer Comment (2026-07-17): Please see attached. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401788 | [Redact] | 37775420 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. | Renew master policy is required as current policy is expiring on [Redacted]. | Reviewer Comment (2026-07-22): Renewal provided, cleared. Buyer Comment (2026-07-22): Renewal attached |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401788 | [Redact] | 37775422 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution is missing in file providing authority to the signor to execute all documents. | Reviewer Comment (2026-07-16): Corporate resolution provided providing signing authority. Buyer Comment (2026-07-14): please see attached. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401788 | [Redact] | 37775423 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The loan file is missing an operating agreement/Bylaws for [Redacted]. | Reviewer Comment (2026-07-16): Bylaws provided. Buyer Comment (2026-07-14): please see attached. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401788 | [Redact] | 37775424 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The credit application reflects an entity ([Redacted]) that is different than what is reflected on the Note. | Reviewer Comment (2026-07-21): Credit application for the business entity provided, cleared. Buyer Comment (2026-07-20): Application Reviewer Comment (2026-07-20): [Redacted] is not listed as any party to this transaction. The application provides disclosures of multiple kinds, like has there been a bankruptcy, foreclosure, felony, contingently liable for debts, Civil or criminal judgements. This information is required for the Borrower, Affiliated Entities and Each Owner. The application provided is invalid and that information is missing for the borrowing entity. Buyer Comment (2026-07-16): Uploaded Credit Application Memo |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401788 | [Redact] | 37775425 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | The loan file is missing a copy of the trust agreement for account ending in [Redacted] used for closing/reserves. | Reviewer Comment (2026-07-16): Trust agreement provided, cleared. Buyer Comment (2026-07-14): please see attached. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401789 | [Redact] | 37775430 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. | Insurance Policy Expiration Date is less than [Redacted] days from the Note Date. | Reviewer Comment (2026-07-22): Renewal provided, cleared. Buyer Comment (2026-07-22): Renewal attached |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401789 | [Redact] | 37775431 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The loan file is missing an operating agreement/[Redacted]. | Reviewer Comment (2026-07-16): Cleared. Buyer Comment (2026-07-14): please see attached. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401789 | [Redact] | 37775432 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The loan file is missing a corporate resolution authorizing the signer to execute all documents on behalf of the entity. | Reviewer Comment (2026-07-16): Cleared. Buyer Comment (2026-07-14): please see attached. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401789 | [Redact] | 37775433 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The credit application reflects an entity ([Redacted]) that is different than what is reflected on the Note. | Reviewer Comment (2026-07-21): Credit application for the business entity provided, cleared. Buyer Comment (2026-07-20): Application Reviewer Comment (2026-07-20): [Redacted] is not listed as any party to this transaction. The application provides disclosures of multiple kinds, like has there been a bankruptcy, foreclosure, felony, contingently liable for debts, Civil or criminal judgements. This information is required for the Borrower, Affiliated Entities and Each Owner. The application provided is invalid and that information is missing for the borrowing entity. Buyer Comment (2026-07-16): Uploaded Credit Application Memo |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401789 | [Redact] | 37775434 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | The loan file is missing the trust agreement for access to funds in accounts [Redacted]. | Reviewer Comment (2026-07-16): Cleared. Buyer Comment (2026-07-14): please see attached. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401789 | [Redact] | 37775435 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided | Reviewer Comment (2026-07-16): Cleared. Buyer Comment (2026-07-14): please see attached. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10401790 | [Redact] | 37775438 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. | Hazard Insurance will expire within [Redacted] days of Note date. | Reviewer Comment (2026-07-22): Renewal provided, cleared. Buyer Comment (2026-07-22): Renewal attached |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401790 | [Redact] | 37775439 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The loan file is missing an operating agreement/Bylaws for [Redacted]. | Reviewer Comment (2026-07-17): Trust documentation provided, cleared. Buyer Comment (2026-07-16): please see attached. Reviewer Comment (2026-07-16): Bylaws provided. Please provide trust agreement for the [Redacted]. Buyer Comment (2026-07-14): please see attached. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401790 | [Redact] | 37775440 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | A corporate resolution was not found in the file authorizing the signor ([Redacted]) to execute all documents on behalf of the entity. | Reviewer Comment (2026-07-16): Written consent with signing authority provided, cleared. Buyer Comment (2026-07-14): please see attached. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401792 | [Redact] | 37775448 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The loan file is missing a corporate resolution authorizing the signer to execute all documents on behalf of the entity. | Reviewer Comment (2026-07-16): Written consent provided for signing authority. Buyer Comment (2026-07-14): please see attached. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401792 | [Redact] | 37775451 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. | [Redacted] days of Note Date and does not have an automatic renewal. | Reviewer Comment (2026-07-22): Renewal provided, cleared. Buyer Comment (2026-07-22): Renewal attached |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401792 | [Redact] | 37775452 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The loan file is missing an operating agreement/Bylaws for [Redacted]. | Reviewer Comment (2026-07-17): Trust documentation provided, cleared. Buyer Comment (2026-07-16): please see attached. Reviewer Comment (2026-07-16): Bylaws provided. Please provide trust agreement for the [Redacted]. Buyer Comment (2026-07-14): please see attached. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401779 | [Redact] | 37775474 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Total Judgments over $[Redacted] must be satisfied/cleared at or before closing unless barred by the Statute of Limitations. Missing evidence judgments were cleared/satisfied or barred by the Statute of Limitations. | Reviewer Comment (2026-07-24): Memo provided with applicable information, cleared. Buyer Comment (2026-07-23): Uploaded memo with name, title, date Reviewer Comment (2026-07-23): Please add the title, name and date to the provided memo. Buyer Comment (2026-07-22): Judgment Memo |
07/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10401779 | [Redact] | 37775475 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The credit application in file does not reflect the borrowing entity ([Redacted]). | Reviewer Comment (2026-08-04): Initialed application with corrected entity provided, cleared. Buyer Comment (2026-08-03): Updated application Reviewer Comment (2026-07-28): No additional documentation provided. Buyer Comment (2026-07-27): Please disregard previous message. Buyer Comment (2026-07-27): Per [Redacted], the current application with guarantor's signature is sufficient to clear this exception. Reviewer Comment (2026-07-27): the entity is considered the borrower and an application is required for the borrower of the loan. Buyer Comment (2026-07-24): borrowing entities change, we do not require a new application, new applications required for additional/new guarantors to run credit. Please clear. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10401779 | [Redact] | 37775476 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | A lease agreement is missing in the file for [Redacted]. | Reviewer Comment (2026-07-22): Lease agreement provided, cleared. Buyer Comment (2026-07-21): please see attached. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10467801 | [Redact] | 37927899 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three [Redacted] business days of application. | Verification of earlier borrower receipt of the initial Loan Estimate was missing from the file. | Reviewer Comment (2026-09-09): [Redacted] received initial LE dated [Redacted] Buyer Comment (2026-09-08): Please see the attached [Redacted] LE. |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redact] | 10467802 | [Redact] | 37927901 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Reviewer Comment (2026-09-21): Client provided attestation there are no claims of damage prior to start of policy on [Redacted] and that property is currently covered with sufficient coverage. Exception cleared. Buyer Comment (2026-09-17): Please accept this comment as attestation that [Redacted] Servicing team has not been made aware of any claims that were made prior to [Redacted] when the insurance policy went into effect, we also do not place any lender forced insurance policies for a one-day gap. The policy is currently in force with adequate coverage. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10467802 | [Redact] | 37927902 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase agreement missing in the file | Reviewer Comment (2026-09-10): Purchase contract received. Buyer Comment (2026-09-08): Please see the attached purchase agreement. |
09/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Primary | Purchase | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10467803 | [Redact] | 37927906 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. | Reviewer Comment (2026-09-09): [Redacted] received proof of earlier electronic receipt. Buyer Comment (2026-09-08): Please see the attached internal screenshot showing that the LE dated [Redacted] was viewed/received by the borrower on [Redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redact] | 10467808 | [Redact] | 37927911 | 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. | Appraisal Fee was last disclosed as $[Redacted] on the Loan Estimate, but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made. | Reviewer Comment (2026-09-11): [Redacted] received a valid COC. Buyer Comment (2026-09-10): A 1007 was needed for the inclusion of rental income. Please review to clear this condition. Reviewer Comment (2026-09-10): [Redacted] the COC dated [Redacted].However, the reason is not mentioned as to why the Appraisal fee increased on LE dated [Redacted] for $[Redacted]. Kindly provide a valid COC or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-09-08): Please review [Redacted]/[Redacted]which confirms the increase in the appraisal fee was the result of the change in property type on [Redacted] |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | |||||||||
| [Redact] | 10467811 | [Redact] | 37927917 | 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 [Redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-09-11): [Redacted] received disclosure summary and rebuttal suffice Buyer Comment (2026-09-10): Please be advised the evidentiary document confirms acknowledgement of the [Redacted] CD. The [Redacted] CD does not contain any material changes that would require a new waiting period. |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redact] | 10467811 | [Redact] | 37927918 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Reviewer Comment (2026-09-11): [Redacted] received disclosure summary and rebuttal suffice Buyer Comment (2026-09-10): Please see the attached internal screenshot showing that the LE dated [Redacted] was viewed/received by the borrower on [Redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redact] | 10467816 | [Redact] | 37927925 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Loan file is missing HOA Verification for the above REO [Redacted]. Verified: Upon receipt of the missing HOA verification, additional conditions may apply. | Reviewer Comment (2026-09-14): HOA document received. Exception cleared. Buyer Comment (2026-09-14): Apologies, incorrect property was considered. Please see attached re-corrected docs as well as property report. Reviewer Comment (2026-09-11): Provided HOA document is for property [Redacted]. Please provide sufficient document for property [Redacted]. Exception remains. Buyer Comment (2026-09-11): See attached verification of no hoa dues and corrected docs Reviewer Comment (2026-09-11): The final loan application reflects $[Redacted] under the additional expenses section. Please provide documentation to support this amount. If there is no HOA dues for this property, please provide evidence. Exception remains. Buyer Comment (2026-09-10): There are no hoa dues |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10467818 | [Redact] | 37927934 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-09-04): Seller acknowledges exception, no change to grading. |
09/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10467820 | [Redact] | 37927937 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-09-04): Seller acknowledges exception, no change to grading. |
09/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10467823 | [Redact] | 37927940 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing Test | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. (Interim[Redacted]) | Reviewer Comment (2026-09-09): [Redacted] received proof of earlier receipt. Buyer Comment (2026-09-08): Please see attached confirming when the LE was viewed. Website FYI is the borrower viewing the document. |
09/09/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | No Defined Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redact] | 10467824 | [Redact] | 37927942 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-09-08): Seller acknowledges exception, no change to grading. |
09/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10467824 | [Redact] | 37927944 | 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 Certificate Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Tax Certificate Fee was last disclosed as $[Redacted] on the Loan Estimate, but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made. | Reviewer Comment (2026-09-11): Upon review, consumer within [Redacted]% tolerance requirement Buyer Comment (2026-09-10): Invalid. The tax cert fee was disclosed on initial LE dated [Redacted] |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | |||||||||
| [Redact] | 10467824 | [Redact] | 37927945 | 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 Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[Redacted] on the Loan Estimate, but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made. | Reviewer Comment (2026-09-11): [Redacted] received rebuttal and valid COC Buyer Comment (2026-09-10): Pg [Redacted] confirms the CIC for a CDA needed due to a CU score over [Redacted]. SSR report provided dated [Redacted] confirms CU score. Please cancel this exception. |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | |||||||||
| [Redact] | 10467825 | [Redact] | 37927948 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Buyer Comment (2026-09-08): seller accepts; no change to grading. |
09/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| [Redact] | 10467833 | [Redact] | 37927956 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-08-31): Seller acknowledges exception, no change to grading. |
08/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10467838 | [Redact] | 37927958 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-09-04): Seller acknowledges exception, no change to grading. |
09/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10467828 | [Redact] | 37927972 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. | 09/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | Good Faith Redisclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| [Redact] | 10467806 | [Redact] | 37927975 | 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. | [Redacted]% fee violation due to an addition of the Title-CPL fee. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[Redacted], a copy of the Refund Check, Proof of Delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made. | Reviewer Comment (2026-09-28): [Redacted] Received Corrected PCCD and LOE moving Title CPL fee to section C. Buyer Comment (2026-09-24): Please see attached, PCCD with fee moved. |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | |||||||||
| [Redact] | 10467810 | [Redact] | 37927977 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Buyer Comment (2026-09-24): seller accepts; no change to grading. |
09/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| [Redact] | 10467817 | [Redact] | 37927998 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-09-23): Seller acknowledges exception, no change to grading. |
09/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10467817 | [Redact] | 37927999 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Reviewer Comment (2026-09-23): Seller acknowledges exception, no change to grading. |
09/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10467819 | [Redact] | 37928004 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. | 09/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | Good Faith Redisclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| [Redact] | 10467819 | [Redact] | 37928005 | 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 [Redacted]business days prior to closing. | Verification of earlier borrower receipt of the initial Closing Disclosure was missing from the file. | Reviewer Comment (2026-09-25): [Redacted] received disclosure summary for initial CD. Buyer Comment (2026-09-24): Please see the attached evidentiary document. |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redact] | 10467819 | [Redact] | 37928006 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. | Reviewer Comment (2026-09-25): [Redacted] received disclosure tracking for revised LE. Buyer Comment (2026-09-24): Please see the attached evidentiary document. |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redact] | 10467821 | [Redact] | 37928010 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]6. | Reviewer Comment (2026-09-23): Seller acknowledges exception, no change to grading. |
09/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10467829 | [Redact] | 37928015 | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB 1894 | [Redacted] Predatory Lending Database Program ([Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment (2026-09-28): Certificate of Compliance provided, exception cleared. Buyer Comment (2026-09-24): See attached prfed cert |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10467837 | [Redact] | 37928028 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The borrower's Verbal Verification of Employment (VVOE) incorrectly lists the employer phone number as [Redacted]. Please provide documentation to support for review. | Reviewer Comment (2026-09-28): Client provided VVOE document with updated phone number, exception cleared. Buyer Comment (2026-09-24): Please see the attached corrected verbal verification of employment. |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10467837 | [Redact] | 37928029 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to Qualified Mortgage (QM) failure. This exception will be cleared when all Qualified Mortgage (QM) related exceptions are cleared. | Reviewer Comment (2026-09-28): Client provided VVOE document with updated phone number, exception cleared. Buyer Comment (2026-09-24): Please see the attached corrected verbal verification of employment. |
09/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | 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 | |||||||||
| [Redact] | 10467837 | [Redact] | 37928030 | 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. | Reviewer Comment (2026-09-28): Client provided VVOE document with updated phone number, exception cleared. Buyer Comment (2026-09-24): Please see the attached corrected verbal verification of employment. |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10467839 | [Redact] | 37928032 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | The file is missing the fully executed Final Closing Statement for the sale of [Redacted] to verify the total net equity received and that all liens are paid and closed. Please provide for review. | Reviewer Comment (2026-09-25): Settlement statement was provided to confirm proceeds from sale. Exception cleared. Buyer Comment (2026-09-24): Please see attached confirmation of the sale of non-subject property [Redacted]. |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10467840 | [Redact] | 37928037 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. | Reviewer Comment (2026-09-29): [Redacted] Received Disclosure summary showing LE viewed by borrower on [Redacted]. Buyer Comment (2026-09-28): Please see attached confirming when the LE was viewed. Website FYI is the borrower viewing the document. Reviewer Comment (2026-09-25): [Redacted] Received Disclosure summary for LE dated [Redacted]; however, also required evidence that borrower received LE dated [Redacted] days prior to closing date. Buyer Comment (2026-09-24): Please see attached confirming when the LE was viewed. Website FYI is the borrower viewing the document. |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redact] | 10467842 | [Redact] | 37928046 | 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. | Lender Credit was last disclosed as $[Redacted]on the Loan Estimate, but was disclosed as $[Redacted]on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[Redacted], a copy of the Refund Check, Proof of Delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made. | Reviewer Comment (2026-09-25): [Redacted] received valid COC dated [Redacted] Buyer Comment (2026-09-24): Please see the pricing changes, the lender credit disappeared because the DTI increased above [Redacted]%, and this was a result of the receipt of appraisal which outlined the monthly PUD payment. |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | |||||||||
| [Redact] | 10467842 | [Redact] | 37928048 | 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 Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was last disclosed as $[Redacted] on the Loan Estimate, but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[Redacted], a copy of the Refund Check, Proof of Delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made. | Reviewer Comment (2026-09-25): [Redacted] received valid COC dated [Redacted] Buyer Comment (2026-09-24): Please see the attached CDA cic's. The CDA fee increased due to receipt of the SSR report on [Redacted] which exceeded [Redacted] which requires a CDA. |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | |||||||||
| [Redact] | 10467843 | [Redact] | 37928050 | 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 Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was last disclosed as $[Redacted] on the CD issued [Redacted], but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a Post-Close Closing Disclosure disclosing the tolerance violation of $[Redacted], a copy of the Refund Check, Proof of Delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made. | Reviewer Comment (2026-09-28): Evidence of rush fee was provided for the appraisal. Exception cleared. Buyer Comment (2026-09-28): Please see the attached CIC for the rush fee request on [Redacted]. Reviewer Comment (2026-09-28): [Redacted] No New Document received for increased fee. Please provide documentation of the reason for the increase in the appraisal review fee What information was received that required the increase in the fee and when was that information received or Cure is required. Buyer Comment (2026-09-24): Please refer to page [Redacted]/[Redacted] when the SSR report came back with a [Redacted] CU Score on [Redacted], the [Redacted] CD disclosed the $[Redacted] fee to the borrower within the required timeframe and did not increase on the final CD. |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | |||||||||
| [Redact] | 10467843 | [Redact] | 37928053 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | The file is missing the fully executed Final Closing Statement for the sale of departure residence to verify the total net equity received and that all liens are paid and closed. Please provide for review. | Reviewer Comment (2026-09-28): Final Closing Statement has been provided and net equity confirmed. Exception cleared. Buyer Comment (2026-09-24): Please see the attached final ALTA for the sale of the non-subject property. |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10467844 | [Redact] | 37928055 | Compliance | Compliance | State Compliance | Misc. State Level | [Redact] Counseling Agencies Disclosure Not in File | [Redacted] [Redacted] - No evidence of required counseling disclosure language per [Redacted] [Redacted]. | Buyer Comment (2026-09-24): Seller acknowledges the exception, no change to grading. |
09/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10467845 | [Redact] | 37928058 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. | Reviewer Comment (2026-09-29): [Redacted] received proof of earlier electronic receipt. Buyer Comment (2026-09-28): Please see the attached verification of both loan estimates. The outstanding date is the date the LE was printed/disclosed, and the website FYi is the date the borrower acknowledged. One has a most recent status of cancelled due to creation of the second LE package which superseded the first. Reviewer Comment (2026-09-25): [Redacted] received a copy of the system screenshot and evidence that the LE was received on [Redacted]. However, please clarify the documentation provided. The screenshots do not clearly indicate which LE they correspond to, as there are two LEs in the loan file dated [Redacted] with cash-to-close amounts of $[Redacted] and $[Redacted]. Please confirm which LE the provided proof of receipt to supports. Buyer Comment (2026-09-24): Please see the screen shot attached confirming the [Redacted] LE was received and acknowledged by the borrower on [Redacted] |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redact] | 10467845 | [Redact] | 37928059 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. | Reviewer Comment (2026-09-29): [Redacted] received proof of earlier electronic receipt. Buyer Comment (2026-09-28): Please see the attached verification of both loan estimates. The outstanding date is the date the LE was printed/disclosed, and the website FYi is the date the borrower acknowledged. One has a most recent status of cancelled due to creation of the second LE package which superseded the first. Reviewer Comment (2026-09-25): [Redacted] received a copy of the system screenshot and evidence that the LE was received on [Redacted]. However, please clarify the documentation provided. The screenshots do not clearly indicate which LE they correspond to, as there are two LEs in the loan file dated [Redacted] with cash-to-close amounts of $[Redacted] and $[Redacted] . Please confirm which LE the provided proof of receipt to supports. Buyer Comment (2026-09-24): Please see the screen shot attached confirming the [Redacted] LE was received and acknowledged by the borrower on [Redacted] |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redact] | 10467845 | [Redact] | 37928061 | 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 $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The change in circumstance for the addition of the Second Appraisal Fee on the Loan Estimate issued on [Redacted], did not identify the increase in the fee. Please provide a valid Change of Circumstance for this change, or provide a post-close Closing Disclosure disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation to the borrower disclosing the changes made. | Reviewer Comment (2026-09-29): [Redacted] received appraisal ordered document with additional information for a valid Changed circumstance. Buyer Comment (2026-09-28): Please see the attached, the appraisal rush fee was requested by broker on [Redacted]. Reviewer Comment (2026-09-25): [Redacted] received a LOX as part of the rebuttal response; however, the document is not legible for review. Please provide a legible copy of the document so that we can reevaluate and re-baseline this exception. Buyer Comment (2026-09-24): The $[Redacted] second appraisal fee was required based upon the product type |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | |||||||||
| [Redact] | 10467845 | [Redact] | 37928062 | 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. | The change in circumstance for the increase in the Appraisal Fee on the Loan Estimate issued on [Redacted], did not identify the increase in the fee. Please provide a valid Change of Circumstance for this change, or provide a post-close Closing Disclosure disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of Delivery, and a copy of the letter of explanation to the borrower disclosing the changes made. | Reviewer Comment (2026-09-29): [Redacted] received appraisal ordered document with additional information for a valid Changed circumstance. Buyer Comment (2026-09-28): Please see the attached, the appraisal rush fee was requested by broker on [Redacted]. Reviewer Comment (2026-09-25): [Redacted] received a LOX as part of the rebuttal response; however, the document is not legible for review. Please provide a legible copy of the document so that we can reevaluate and re-baseline this exception. Buyer Comment (2026-09-24): Please see the screen shot attached from [Redacted]s internal underwriting system that confirms the CIC for the appraisal fee was the result of a rush, that was requested and approved by the borrower |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | |||||||||
| [Redact] | 10467845 | [Redact] | 37928063 | 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. | The Change in Circumstance indicates the increase in the discount points was due to the appraised value. The appraised value of $[Redacted] is greater than the sales price. Please provide clarification for the reason for the increase in points or provide a post-close Closing Disclosure disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation to the borrower disclosing the changes made. | Reviewer Comment (2026-09-29): [Redacted] received copy of system snip with additional information for a valid Changed circumstance. Buyer Comment (2026-09-28): Please see the attached CIC's. The DTI increased due to failed 1007 attempts which prevented the primary pitia from being excluded. Due to that debt being included DTI > [Redacted], which caused points to increase. Reviewer Comment (2026-09-25): [Redacted] received rebuttal comment. However, the fee was further increase of $[Redacted] from $[Redacted] on last LE dated [Redacted] and provided corresponding COC does not give sufficient information on reason for the fee increase. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-09-24): Please review [Redacted] /[Redacted] wihch confirms the the change in loan amount caused on [Redacted] from $[Redacted]to $[Redacted] cause the change in discount points |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | |||||||||
| [Redact] | 10408964 | [Redact] | 37955796 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. | Reviewer Comment (2026-09-14): Seller acknowledges exception, no change to grading. |
08/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | Good Faith Redisclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| [Redact] | 10408980 | [Redact] | 37955821 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three [Redacted] business days of application. | [Redacted] initial Loan Estimate is not within [Redacted] days of [Redacted] application date.. | Reviewer Comment (2026-08-18): [Redacted] received initial LE Buyer Comment (2026-08-17): Please see the attached initial LE. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| [Redact] | 10408988 | [Redact] | 37955830 | 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. | Title - Closing Fee increased on loan estimate issued [Redacted]with no valid change evident. | Reviewer Comment (2026-08-18): [Redacted] received PCCD and LOE Buyer Comment (2026-08-17): Please see the attached redisclosure package. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | |||||||||
| [Redact] | 10408988 | [Redact] | 37955831 | 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. | Fee increased on loan estimate issued [Redacted] with no valid change evident. | Reviewer Comment (2026-08-18): [Redacted] received rebuttal and valid COC Buyer Comment (2026-08-17): The [Redacted] loan estimate is not a locked loan estimate, the first locked loan estimate is the [Redacted], and that one should be used as a baseline. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | |||||||||
| [Redact] | 10408989 | [Redact] | 37955835 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [Redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Informational Level [Redacted] exception, nothing additional required. | Reviewer Comment (2026-08-14): Seller acknowledges exception, no change to grading. |
08/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10408990 | [Redact] | 37955839 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | The transmittal summary provided does not match loan terms. | Reviewer Comment (2026-09-01): Received 1008 Document. Exception Cleared. Buyer Comment (2026-09-01): Please see the corrected 1008 attached showing the DTI Reviewer Comment (2026-08-24): Transaction will not disclose P&I for primary residence because borrower rents however, DTI is incorrect at [Redacted]/[Redacted]% Exception remains Buyer Comment (2026-08-24): The DTI will not be present on the 1008 as this is not run through an AUS. This is for all loans set up as non-qm. The Subject property pp&I is factored into 'All other monthly payments' Reviewer Comment (2026-08-21): The final 1008 provided does not disclose the P&I for subject transaction or the DTI. Please provide 1008 used for approval. Exception remains for additional information. Buyer Comment (2026-08-18): The information on the 1008 is a match to the terms on final CD. Please provide clarification on what specifically does not match or cancel the exception. Thank you |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10409005 | [Redact] | 37955850 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Missing the final signed/dated Closing Disclosure for the sale of [Redacted] with at least $[Redacted]in proceeds | Reviewer Comment (2026-08-19): Received Closing Statement. Exception Cleared Buyer Comment (2026-08-18): Please see attached, settlement statement as requested. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10409005 | [Redact] | 37955851 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Missing the final signed/dated Closing Disclosure for the sale of [Redacted] with at least $[Redacted] in proceeds | Reviewer Comment (2026-08-19): Received Closing Statement. Exception Cleared. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10409005 | [Redact] | 37955852 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan is an ATR Risk due to missing required documentation for Reserves | Reviewer Comment (2026-08-21): Client provided final closing statement to support funds received from sale of REO. Exception cleared. Buyer Comment (2026-08-18): Please see attached, settlement statement as requested. |
08/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redact] | 10409005 | [Redact] | 37955854 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The loan is an ATR Risk due to missing required documentation for Reserves | Reviewer Comment (2026-08-21): Client provided final closing statement to support funds received from sale of REO. Exception cleared. Buyer Comment (2026-08-18): Please see attached, settlement statement as requested. |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10409012 | [Redact] | 37955863 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. | 10/20/2026 | No | 2 | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | Good Faith Redisclosure | A | B | A | A | A | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| [Redact] | 10409015 | [Redact] | 37955866 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Condo Master Policy was not found in file. | Reviewer Comment (2026-08-19): Received Master Policy. Exception Cleared. Buyer Comment (2026-08-18): Please see the attached master hoi. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10409015 | [Redact] | 37955867 | Credit | Guideline | Guideline Issue | Guideline | Hazard Insurance Policy expires within 45 days of the Note Date or is already expired. | The Condo policy for the subject property expired [Redacted]. Provide the current policy in place at the time of closing. | Reviewer Comment (2026-08-19): Received Master Policy. Exception Cleared. Buyer Comment (2026-08-18): This HOI policy is not required as the condo policy which was recently uploaded covers betterments and improvements, so HO-6 policy is not required. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10409018 | [Redact] | 37955871 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Buyer Comment (2026-08-18): Seller acknowledges exception, no change in grading |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| [Redact] | 10409021 | [Redact] | 37955876 | 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. | Reviewer Comment (2026-08-14): Seller acknowledges exception, no change to grading. |
08/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10409021 | [Redact] | 37955879 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on 0[Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. | .Flood insurance was included as "other" | Reviewer Comment (2026-09-14): Seller acknowledges exception, no change to grading. |
08/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | Good Faith Redisclosure | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redact] | 10409026 | [Redact] | 37955885 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. | Reviewer Comment (2026-08-20): [Redacted] Received disclosure summary showing LE received by borrower on [Redacted]. Buyer Comment (2026-08-19): Please see the screen shot attached from our internal underwriting system confirming receipt of the final LE. Please note the '[Redacted]' denotes that it was received electronically |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10409026 | [Redact] | 37955886 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Buyer Comment (2026-08-19): Seller acknowledges exception, no change in grading |
08/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10409031 | [Redact] | 37955889 | Compliance | Compliance | State Compliance | Misc. State Level | [Redact] Consumer Credit Code (First Lien Refinance Notice Not Provided) | [Redacted] Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | Buyer Comment (2026-08-19): Seller acknowledges exception, no change to grading. |
08/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10409031 | [Redact] | 37955890 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of [Redacted]% and based on 1026.43(e) of [Redacted]% moderately exceed the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Loan was approved at [Redacted]% exceeding guideline maximum. | Reviewer Comment (2026-08-19): DTI [Redacted] updated as per guidelines. Exception cleared. Buyer Comment (2026-08-19): Please be advised DTI max for this product, occupancy, and property type is [Redacted]. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10409031 | [Redact] | 37955892 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to DTI. | Reviewer Comment (2026-08-19): DTI [Redacted] updated as per guidelines. Exception cleared. Buyer Comment (2026-08-19): Please be advised DTI max for this product, occupancy, and property type is [Redacted]. |
08/19/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redact] | 10409031 | [Redact] | 37955894 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Loan was approved at [Redacted]% exceeding guideline maximum. | Reviewer Comment (2026-08-19): DTI [Redacted] updated as per guidelines. Exception cleared. Buyer Comment (2026-08-19): Please be advised DTI max for this product, occupancy, and property type is [Redacted]. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10409031 | [Redact] | 37955895 | 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 DTI. | Reviewer Comment (2026-08-19): DTI [Redacted]% updated as per guidelines. Exception cleared. Buyer Comment (2026-08-19): Please be advised DTI max for this product, occupancy, and property type is [Redacted]%. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10409044 | [Redact] | 37955902 | 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. | Lender credit was last disclosed as $[Redacted]on the Loan Estimate, but was disclosed as $[Redacted]on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made. | Reviewer Comment (2026-08-19): [Redacted] received system snip with additional information and supporting COC was also available in the loan file for the pricing changed. Buyer Comment (2026-08-18): Please see the attached pricing which corresponds to the CIC dated [Redacted] on the redisclosure history form. We received the appraisal which was lower than the purchase price which adjusted LTV LLPAs. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | 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 | |||||||||
| [Redact] | 10409045 | [Redact] | 37955904 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Reviewer Comment (2026-08-20): Effective & Expiration date consider from Master Insurance policy. Exception cleared. Buyer Comment (2026-08-20): Please see attached confirmation there were no claims made between disbursement and effective date. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redact] | 10409045 | [Redact] | 37955905 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-08-19): Seller acknowledges exception, no change to grading. |
08/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10409045 | [Redact] | 37955908 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. | Reviewer Comment (2026-09-14): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | Good Faith Redisclosure | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| [Redact] | 10409048 | [Redact] | 37955913 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-08-17): Seller acknowledges the exception, no change to grading. |
08/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10409050 | [Redact] | 37955916 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | Reviewer Comment (2026-08-19): Upon further review, it is determined that the policy provided and client's attestation there are no claims is sufficient. Exception cleared. Buyer Comment (2026-08-17): We can confirm the effective dtate was the day after disbursement. There were no claims made on the property in the coverage gap, per the servicing notes. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10409052 | [Redact] | 37955922 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10409052 | [Redact] | 37955925 | 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. | [Redacted]% fee violation due to an increase in the recording fee(s). No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made. | Reviewer Comment (2026-08-25): [Redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing. Buyer Comment (2026-08-25): Please see attached confirmation of [Redacted] drop off. Reviewer Comment (2026-08-25): [Redacted] received PCCD, LOE, Refund Check and Proof of Mailing. [Redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2026-08-24): Please see the attached package mailed to the borrower. |
08/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | 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 | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10409055 | [Redact] | 37955932 | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB 1894 | [Redacted] Predatory Lending Database Program ([Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment (2026-08-21): Disclosure provided. Exception cleared. Buyer Comment (2026-08-19): Please see attached, cert of comp as requested. |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10409055 | [Redact] | 37955934 | 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 Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-20): [Redact] received valid rebuttal comment with additional information lieu of valid changed circumstance. Buyer Comment (2026-08-20): Please refer to page 840/855 DOC ID 0296 of the loan images showing the CU score of 2.9 on [Redact] that required a CDA, the fee was disclosed on the [Redact] LE within 3 days of knowledge of the fee. Reviewer Comment (2026-08-20): [Redacted] received snip of LOS to show the CDA was required on loan but there is no reason provided as to why the fee was required. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment (2026-08-19): Please see attached, the CIC for the increase in the appraisal fee. This was disclosed to the borrower on the [Redacted] CD. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | |||||||||
| [Redact] | 10409056 | [Redact] | 37955943 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Please provide the fully executed Business Narrative for [Redacted] for both borrower's.. There is one that appears to be for this entity in file, but it is missing the client and business name. | Reviewer Comment (2026-08-14): Received Business Narratives. Exception Cleared. Buyer Comment (2026-08-14): Please see attached, business narrative as requested. |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10409056 | [Redact] | 37955944 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all other QM related exceptions are cleared. | Reviewer Comment (2026-08-14): Received Business Narratives. Exception Cleared. Buyer Comment (2026-08-14): Please see attached, business narrative as requested. |
08/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | 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 | |||||||||
| [Redact] | 10409056 | [Redact] | 37955945 | 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. | Reviewer Comment (2026-08-14): Received Business Narratives. Exception Cleared. Buyer Comment (2026-08-14): Please see attached, business narrative as requested. |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10409060 | [Redact] | 37955956 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing the taxes documentation for this property, please provide for review. | Reviewer Comment (2026-08-18): Received Tax certificate. Exception Cleared Buyer Comment (2026-08-18): Please see the attached tax verification. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10409064 | [Redact] | 37955964 | 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. | Transfer Tax was last disclosed as $[Redacted] on the Loan Estimate but was disclosed as $[Redacted]on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made. | Reviewer Comment (2026-08-21): [Redact] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-19): Please see the cure redisclosure pkg attached |
08/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10409064 | [Redact] | 37955965 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. | Reviewer Comment (2026-09-14): Seller acknowledges exception, no change to grading. |
08/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | Good Faith Redisclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10409074 | [Redact] | 37955984 | 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. | Lender credit was last disclosed as $[Redacted]on the Loan Estimate, but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment (2026-08-20): [Redact] reviewed rebuttal comment and as per CoC no cure is required. Buyer Comment (2026-08-18): Please refer to page 298/686 DOC ID 0251 to confirm there were pricing changes on [Redact] that affected the lender credits due to the appraisal coming back lower than expected. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redact] | 10409074 | [Redact] | 37955985 | 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 Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was last disclosed as $[Redacted] on the Loan Estimate, but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment (2026-08-25): [Redact] received PCCD, LOE, Copy of Refund Check and Proof of Mailing. Buyer Comment (2026-08-25): Please see attached confirmation of [Redact] drop off. Reviewer Comment (2026-08-25): [Redact] received PCCD, LOE, Refund Check and Proof of Mailing. [Redact] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2026-08-24): Please see attached package mailed to the borrower. |
08/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | 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 | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| [Redact] | 10409075 | [Redact] | 37955989 | 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. | Lender credit was last disclosed as $[Redacted]on the Loan Estimate but was disclosed as $[Redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close Closing Disclosure disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment (2026-08-19): [Redact] received valid COC document Buyer Comment (2026-08-18): Please see the attached evidence supporting the valid cic that was posted to the redisclosure changed history form dated [Redact]. Receipt of the appraisal changed the LTV which changed pricing. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | |||||||||
| [Redact] | 10409076 | [Redact] | 37955993 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Buyer Comment (2026-08-18): Seller acknowledges exception, no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| [Redact] | 10409081 | [Redact] | 37956003 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | Proof of receipt of the [Redacted] Loan Estimate was not provided | Reviewer Comment (2026-08-20): [Redact] received borrower receipt for revised LE. Buyer Comment (2026-08-19): Please see the attached LE verification. The website FYi is the date/time the borrower acknowledged receipt, and the outstanding status is the date/time the document was disclosed. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10409082 | [Redact] | 37956010 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment (2026-08-18): Title Final received. Exception cleared. Buyer Comment (2026-08-18): Please see the attached final title. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [Redact] | 10409082 | [Redact] | 37956013 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or [Redact]) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the [Redacted], or [Redacted]) | Missing evidence of title to determine prior loan originator. | Buyer Comment (2026-08-18): seller accepts; no change to grading. |
08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| [Redact] | 10378959 | [Redact] | 37993184 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of [Redact] of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redact] is in excess of the investor allowable maximum of [Redact] of the Federal Total Loan Amount. Points and Fees total [Redact] on a Federal Total Loan Amount of [Redact] vs. an investor allowable total of [Redact] (an overage of [Redact] or [Redact]). | Buyer Comment (2026-05-14): FNMA 3% rule does not apply to non qm |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10378959 | [Redact] | 37993185 | 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 Credit Report Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. [Redact] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as [Redact] on Loan Estimate but disclosed as [Redact] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-05-27): [Redact] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-26): PCCD attached again for review Buyer Comment (2026-05-26): see LOE Reviewer Comment (2026-05-22): [Redact] received LOE to borrower, Copy of Refund Check, proof of mailing, Corrected CD. FedEx tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2026-05-21): see cure PCCD, check and label Reviewer Comment (2026-05-15): [Redact] receivedLOE to borrower, proof of mailing, Corrected CD. Missing Copy of Refund Check. Buyer Comment (2026-05-14): see the PCCD attached |
05/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10378959 | [Redact] | 37993186 | 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 Flood Certification (Life Of Loan). Fee Amount of [Redact] exceeds tolerance of [Redact]. [Redact] over legal limit. Insufficient or no cure was provided to the borrower. | Flood Certification (Life Of Loan) fee was not disclosed on initial Loan Estimate but disclosed as [Redact] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-05-27): [Redact] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-26): see newest upload on the other condition Reviewer Comment (2026-05-22): [Redact] received LOE to borrower, Copy of Refund Check, proof of mailing, Corrected CD. FedEx tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2026-05-21): see cure PCCD, check and label Reviewer Comment (2026-05-15): [Redact] receivedLOE to borrower, proof of mailing, Corrected CD. Missing Copy of Refund Check. Buyer Comment (2026-05-14): see PCCD attached |
05/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | 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 | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10378959 | [Redact] | 37993187 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [Redact] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller's Closing Disclosure was not provided. | Reviewer Comment (2026-05-18): [Redact] received closing statement Buyer Comment (2026-05-14): please see attached |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10378959 | [Redact] | 37993189 | Compliance | Compliance | Miscellaneous Compliance | RESPA | Missing Affiliated Business Arrangement Disclosure and fee(s) were paid to affiliate. | - | Final Closing Disclosure shows fees shows fees paid to an affiliate of lender or broker and an Affiliated Business Arrangement Disclosure was not in the file. | Buyer Comment (2026-05-14): we do not have this document |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10378948 | [Redact] | 37993206 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Note in file is not executed. | Reviewer Comment (2026-04-15): Executed Note and riders provided Buyer Comment (2026-04-15): Executed note |
04/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10378948 | [Redact] | 37993208 | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). | Security instrument is not fully executed. | Reviewer Comment (2026-04-16): Received fully executed Security instrument in trailing docs. Buyer Comment (2026-04-15): see attached |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10378948 | [Redact] | 37993209 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guaranty Agreement in file is not signed by the guarantors. | Reviewer Comment (2026-04-15): Executed Guaranty Agreement provided Buyer Comment (2026-04-15): see attached |
04/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10378948 | [Redact] | 37993210 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | PUD Rider is not executed. | Reviewer Comment (2026-04-15): Executed Note and riders provided Buyer Comment (2026-04-15): PUD Buyer Comment (2026-04-15): PUD Rider attached |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10378948 | [Redact] | 37993211 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | 1-4 Family Rider is not executed. | Reviewer Comment (2026-04-15): Executed Note and riders provided Buyer Comment (2026-04-15): see attached |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10378948 | [Redact] | 37993212 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Entity documents authorizing the guarantors to execute loan documents on behalf of the entity were not provided. | Reviewer Comment (2026-04-15): Executed Guaranty Agreement provided Buyer Comment (2026-04-15): see attached |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10378947 | [Redact] | 37993215 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provided Lease Agreement is incomplete, page numbers 1,4, and 5 are missing. | Reviewer Comment (2026-04-14): Provided complete lease agreement. Exception cleared. Buyer Comment (2026-04-08): complete lease |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10431236 | [Redact] | 37999899 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Missing electronic consent. | Reviewer Comment (2026-07-13): E-Signed Consent agreement provided, Exception cleared. Buyer Comment (2026-07-09): uploaded |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10431236 | [Redact] | 37999901 | 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. | Appraisal report dated [Redact], is missing evidence of receipt to borrower (3) business days prior to consummation. | Reviewer Comment (2026-07-13): Appraisal Delivery provided for both primary and secondary appraisals, Exception cleared. Buyer Comment (2026-07-09): uploaded |
07/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10431236 | [Redact] | 37999903 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or [Redact]) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-07-13): H8 vs H9 recission not required on this transaction as the lender [Redact] does not hold the loan being paid off. Exception cleared. Buyer Comment (2026-07-09): The H8 vs H9 rescission form is not required on this transaction. [Redact] does not currently hold the mortgage being paid off. [Redact] sold the loan in [Redact]. [Redact] is not [Redact] servicer. |
07/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | B | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10333391 | [Redact] | 37999904 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-07-21): Title final provided with updated loan policy amount, Exception cleared. Buyer Comment (2026-07-20): Uploaded |
07/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10333391 | [Redact] | 37999905 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-21): Title final provided with updated loan policy amount, Exception cleared. |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10399746 | [Redact] | 37999906 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Reviewer Comment (2026-08-25): Loan Estimate associated as alternative rate lock document, Exception cleared. Buyer Comment (2026-08-24): Loan estimate uploaded for other condition shows that the loan was locked. |
08/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10399746 | [Redact] | 37999908 | 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 initial Closing Disclosure received by borrower(s) at least 3 business days prior to closing. | Reviewer Comment (2026-08-11): [Redact] received initial CD. Buyer Comment (2026-08-11): Uploaded |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10399746 | [Redact] | 37999909 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to [Redact] may be required. | Missing Loan Estimate issued within 3 business days of application date. | Reviewer Comment (2026-08-25): [Redact] received LEs Buyer Comment (2026-08-24): Uploaded |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10399746 | [Redact] | 37999911 | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | Unable to determine if the borrower received Settlement Service Provider List due to missing information. | Settlement Service Provider List is missing | Reviewer Comment (2026-08-25): received the SSPL |
08/25/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| [Redact] | 10399746 | [Redact] | 37999912 | 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 [Redact] exceeds tolerance of [Redact] plus 10% or [Redact]. [Redact] over legal limit. Insufficient or no cure was provided to the borrower. | Settlement Service Provider List is missing | Reviewer Comment (2026-08-25): received the SSPL Buyer Comment (2026-08-25): Uploaded |
08/25/2026 | No | 1 | A | A | A | A | A | [Redact] | 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 | Non QM | Non QM | No | ||||||||||||||
| [Redact] | 10399746 | [Redact] | 37999913 | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Provide Settlement service provider list disclosure. | Reviewer Comment (2026-08-25): received the SSPL |
08/25/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| [Redact] | 10399954 | [Redact] | 37999915 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI verified through audit is 45.52582%, which exceeds the 45% guideline for loans with 90% LTV. Per 1008, the loan was approved with a DTI of 45.129%. An approved lender exception was not provided. | Reviewer Comment (2026-08-20): Received confirmation of authorized user status. Buyer Comment (2026-08-20): Uploaded Buyer Comment (2026-08-20): [Redact] CARD x[Redact] liability with [Redact] monthly payment can be excluded from DTI as it is an authorized user account. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10399954 | [Redact] | 37999916 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to DTI exceeding guideline, resulting in a loan designation discrepancy. | Reviewer Comment (2026-08-20): Received confirmation of authorized user status. |
08/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10399954 | [Redact] | 37999917 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to DTI exceeding guideline. | Reviewer Comment (2026-08-20): Received confirmation of authorized user status. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10399954 | [Redact] | 37999919 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 45.52582% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to DTI exceeding guideline. | Reviewer Comment (2026-08-20): Received confirmation of authorized user status. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10399954 | [Redact] | 37999920 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Missing signed gift letter for gift funds of [Redact]. | Reviewer Comment (2026-08-10): Received the gift letter Buyer Comment (2026-08-07): Uploaded |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10399954 | [Redact] | 37999921 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing documentation verifying borrower's rent-free housing status prior to subject purchase. | Reviewer Comment (2026-08-10): Received the rent free letter. Buyer Comment (2026-08-10): Uploaded |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10399970 | [Redact] | 37999923 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require 12 or more Months | Ability to Repay (Dodd-Frank 2014): Guidelines require 12 or more consecutive months bank statements. | Reviewer Comment (2026-08-13): EV1. |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10399970 | [Redact] | 37999924 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Missing disclosure issued within 3 business days of application date. | Reviewer Comment (2026-08-13): List of Homeowner Counseling Organizations provided, Exception cleared. Buyer Comment (2026-08-11): Uploaded |
08/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10399970 | [Redact] | 37999925 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | The initial Loan Estimate was issued on [Redact], which is more than 3 business days after the application date ([Redact]). | Reviewer Comment (2026-08-12): [Redact] received [Redact] initial LE within 3 business days of application. Buyer Comment (2026-08-11): Uploaded |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10399970 | [Redact] | 37999926 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Seven Day Waiting Period | TILA-RESPA Integrated Disclosure: Loan Estimate was not delivered or placed in the mail to the borrower at least seven (7) business days prior to closing. | The only Loan Estimate provided for review was issued on [Redact], which is less than 7 business days prior to closing. | Reviewer Comment (2026-08-12): [Redact] received initial LE. Buyer Comment (2026-08-11): Uploaded |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10399970 | [Redact] | 37999927 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | The initial Loan Estimate was issued on [Redact], which is more than 3 business days past the application date of [Redact]. Neither a separate disclosure nor an earlier Loan Estimate is not provided. | Reviewer Comment (2026-08-12): [Redact] received [Redact] initial LE within 3 business days of application. Buyer Comment (2026-08-11): Uploaded |
08/12/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10399970 | [Redact] | 37999928 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment (2026-08-13): EV1. |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10399970 | [Redact] | 37999929 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing documentation verifying borrower's rent-free living status prior to subject purchase. | Reviewer Comment (2026-08-13): Letter of Explanation provided for rent free property, Exception cleared. Buyer Comment (2026-08-12): Uploaded |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10399970 | [Redact] | 37999930 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Missing fully executed gift letter for funds in the amount of [Redact]. | Reviewer Comment (2026-08-13): Gift Letter provided, Exception cleared. Buyer Comment (2026-08-11): Uploaded |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10399970 | [Redact] | 37999931 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to missing gift letter, resulting in a loan designation discrepancy. | Reviewer Comment (2026-08-13): Gift Letter provided, Exception cleared. |
08/13/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10399970 | [Redact] | 37999932 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing gift letter. | Reviewer Comment (2026-08-13): Gift Letter provided, Exception cleared. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10399970 | [Redact] | 37999933 | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. | The seller's final Closing Disclosure contained fees not reflected on the consumer's Closing Disclosure. | Reviewer Comment (2026-08-13): EV1. |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10399657 | [Redact] | 37999934 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Provide Account statement - personal for account #[Redact]. (Month - [Redact]) | Reviewer Comment (2026-08-19): Received the bank statement. Buyer Comment (2026-08-18): uploaded |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10399657 | [Redact] | 37999936 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Provide Account statement - personal for account #[Redact]. (Month - [Redact]) | Reviewer Comment (2026-08-19): Received the bank statement. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10399657 | [Redact] | 37999940 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | Provide Account statement - personal for account #[Redact]. (Month - [Redact]) | Reviewer Comment (2026-08-19): Received the bank statement. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10399657 | [Redact] | 37999941 | 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. | Provide appraisal delivery for preliminary appraisal dated [Redact]. | Reviewer Comment (2026-08-25): Received the corrected delivery confirmation. Buyer Comment (2026-08-24): later dated appraisal no valuation change. |
08/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10399657 | [Redact] | 37999942 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redact] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated E-Consent is [Redact], which was after the date of the initial Loan Estimate provided electronically issued [Redact]. | Reviewer Comment (2026-08-11): [Redact] received earliest e-consent. Buyer Comment (2026-08-11): uploaded |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10399657 | [Redact] | 37999943 | 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 [Redact] exceeds tolerance of [Redact]. [Redact] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee increased on [Redact] Closing Disclosure. The E-Consent was provided [Redact], after the Closing Disclosure. | Reviewer Comment (2026-08-11): [Redact] received a valid COC. Buyer Comment (2026-08-11): COC in file doc ID [Redact] |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | Non QM | Non QM | No | |||||||||
| [Redact] | 10399657 | [Redact] | 37999944 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Account statement - personal missing for account #[Redact]. (Month - [Redact]) | Reviewer Comment (2026-08-19): Received the bank statement. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10399657 | [Redact] | 37999945 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal Report was signed [Redact]. | Reviewer Comment (2026-08-25): Received the corrected delivery confirmation. |
08/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10399841 | [Redact] | 37999948 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Reviewer Comment (2026-08-19): Homeownership Counseling List provided, Exception cleared. Buyer Comment (2026-08-18): uploaded |
08/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10399841 | [Redact] | 37999949 | 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 initial Closing Disclosure received by borrower(s) at least 3 business days prior to closing. | Reviewer Comment (2026-08-19): Received the initial CD. Buyer Comment (2026-08-18): uploaded |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10431304 | [Redact] | 37999955 | 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 Document Preparation Fee. Fee Amount of [Redact] exceeds tolerance of [Redact]. [Redact] over legal limit. Insufficient or no cure was provided to the borrower. | Document Preparation Fee was added to the LE dated [Redact] with no valid change evident. | Reviewer Comment (2026-09-08): Received the attestation and coc, cleared per CHD. Reviewer Comment (2026-09-04): [Redact] received the rebuttal comment; however, it appears that the document preparation fee was not disclosed on the initial LE and was subsequently added on the revised LE dated [Redact]. Provide a valid COC for the fee was added or Cure is required to borrower. Buyer Comment (2026-09-03): doc prep fee cited is [Redact] on the initial LE. it is [Redact] on the final CD. this is acceptable. |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | Non QM | Non QM | No | |||||||||
| [Redact] | 10431304 | [Redact] | 37999956 | 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 [Redact] exceeds tolerance of [Redact] plus 10% or [Redact]. [Redact] over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by [Redact] due to an increase of [Redact] for Title - Courier / Express Mail / Messenger Fee, [Redact] for Title - Loan Tie-In Fee, [Redact] for Title Processing Fee, [Redact] for Title Service Charges, and a decrease of [Redact] for Recording Fee Total on the Loan Estimate dated [Redact] with no valid change evident. | Reviewer Comment (2026-09-08): Received the attestation and coc, cleared per CHD. Reviewer Comment (2026-09-04): [Redact] received the rebuttal comment; however, title - Courier fee [Redact], title - Loan tie in fee [Redact], title - processing fee [Redact] and title - file buffer fee [Redact] added on the revised LE dated [Redact] without valid COC. This is causing testing to reflect the fees are exceeds over 10% tolerance. Provide valid COC for the fee was added or Cure is required to borrower. Buyer Comment (2026-09-03): none of the fees cited in this condition increased from the initial LE [Redact] to the final CD [Redact] |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | 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 | Non QM | Non QM | No |