Exhibit 99.2 Schedule 4
| Marketing ID | Seller | Loan ID | Borrower Last Name | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Resolved/Cured Date | Finding Status | Event Level | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| 6 | XX | XX | XX | Closed | 2026-07-22 04:28 | 2026-08-18 10:46 | 2026-08-18 10:46 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Resolved - Due
Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached for additional cure. Total of Lender Credit for Cure plus two principal reductions from the lender. Fee Cure Amount Appraisal $ 425.00 AMC $ 145.00 CDA $ 247.20 Cure Total $ 817.20 - Seller-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-A Lender Credit for Excess Charges of ($693.60), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.20) were applied to the total fee variance of ($817.20) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. There is no Valid COC provided in the file for the Appraisal fees changes - Due Diligence Vendor-07/XX/2026 Open-XX- Due Diligence Vendor-07/XX/2026 Open-XX- Due Diligence Vendor-07/XX/2026 Open-XX- Due Diligence Vendor-07/XX/2026 Open-XX- Due Diligence Vendor-07/XX/2026 Open-XX- Due Diligence Vendor-07/XX/2026 Open-XX- Due Diligence Vendor-07/XX/2026 |
Ready for Review-Document
Uploaded. Please see attached for additional cure. Total of Lender Credit for
Cure plus two principal reductions from the lender. Fee Cure Amount Appraisal $ 425.00 AMC $ 145.00 CDA $ 247.20 Cure Total $ 817.20 - Seller-08/XX/2026 |
Resolved-Resolved - Due
Diligence Vendor-08/XX/2026 |
XX | LA | Primary Residence | Purchase | NA | 10394811 | N/A | N/A | ||||
| 6 | XX | XX | XX | Closed | 2026-07-22 04:28 | 2026-08-18 10:46 | 2026-08-18 10:46 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Resolved - Due
Diligence Vendor-08/XX/2026 Ready for Review-Please see other condition. - Investor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-A Lender Credit for Excess Charges of ($693.60), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.20) were applied to the total fee variance of ($817.20) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. There is no Valid COC provided in the file for the Appraisal fees changes - Due Diligence Vendor-07/XX/2026 Open-XX- Due Diligence Vendor-07/XX/2026 Open-XX- Due Diligence Vendor-07/XX/2026 Open-XX- Due Diligence Vendor-07/XX/2026 Open-XX- Due Diligence Vendor-07/XX/2026 Open-XX- Due Diligence Vendor-07/XX/2026 Open-XX- Due Diligence Vendor-07/XX/2026 |
Resolved-Resolved - Due
Diligence Vendor-08/XX/2026 |
LA | Primary Residence | Purchase | NA | 10394812 | N/A | N/A | ||||||
| 6 | XX | XX | XX | Closed | 2026-07-22 02:01 | 2026-08-06 15:30 | 2026-08-06 15:30 | Resolved | 1 - Information | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Receive
explanation of alerts based on 06/XX/2026 fraud report. Resolved. - Due Diligence Vendor-08/XX/2026
Ready for Review-1. Listing Realtor & Buyer Agent, Seller Attorney Company & Escrow Company, Title Officer & Settlement Agent. (Potential Conflict of Interest - Two or more parties have similar names on the loan.) Scoring Analysis - XX(8-XX-26 XX XX report dated 6-XX-26 shows one finding under Scoring Analysis around business address. Unclear on finding as names noted (XX and XX) do not appear similar. XX report dated 6-XX-26 shows clear loan participants. Request made to remove finding. 2.Borrower(s) reported income is suspicious based on reported annual sales revenue from business search. (8-XX-26 XX XX report dated 6-XX-26 shows one alert noted below in #3. Product is XX which uses bank statements to calculate income and is acceptable. Request made to remove finding. 3. Subject address is invalid per United States Postal Service. - Due Diligence Vendor-07/XX/2026 (8-XX-26 XX) subject property is new construction and may not yet be recognized in USPS. Identified as low risk finding. Request made to remove finding. - Investor-08/XX/2026 Open-Fraud Report Shows Uncleared Alerts 1. Listing Realtor & Buyer Agent, Seller Attorney Company & Escrow Company, Title Officer & Settlement Agent. (Potential Conflict of Interest - Two or more parties have similar names on the loan.) Scoring Analysis - XX 2.Borrower(s) reported income is suspicious based on reported annual sales revenue from business search. 3. Subject address is invalid per United States Postal Service. - Due Diligence Vendor-07/XX/2026 |
Resolved-Receive
explanation of alerts based on 06/XX/2026 fraud report. Resolved. - Due Diligence
Vendor-08/XX/2026 |
LA | Primary Residence | Purchase | NA | 10393988 | N/A | N/A | ||||||
| 14 | XX | XX | XX | Closed | 2026-08-20 06:46 | 2026-08-27 13:00 | 2026-08-27 12:59 | Resolved | 1 - Information | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check
Completed and Cleared - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. - Buyer-08/XX/2026 Open-OFAC Check Not Completed and/or Cleared All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-08/XX/2026 |
Resolved-OFAC Check
Completed and Cleared - Due Diligence Vendor-08/XX/2026 |
XX | AR | Investment | Purchase | NA | 10919311 | N/A | N/A | |||||
| 14 | XX | XX | XX | Closed | 2026-08-20 06:46 | 2026-08-27 13:00 | 2026-08-27 12:59 | Resolved | 1 - Information | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested
Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/XX/2026
Ready for Review-Document Uploaded. - Buyer-08/XX/2026 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-08/XX/2026 |
Resolved-All Interested
Parties Checked against Exclusionary Lists - Due Diligence
Vendor-08/XX/2026 |
XX | AR | Investment | Purchase | NA | 10919312 | N/A | N/A | |||||
| 17 | XX | XX | XX | Closed | 2026-07-08 09:33 | 2026-09-02 08:02 | 2026-09-02 08:02 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Lender provided
1003, W2s for 2 years, Stock agreement, and VVOE, DTI is now 33.87%,
condition resolved. Income worksheet acceptable in lieu of 1008 - Due
Diligence Vendor-09/XX/2026 Resolved-Audited DTI of 33.87% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/XX/2026 Ready for Review-Section 1C of the 1003 shows the RSU income. Kindly re-review - Buyer-08/XX/2026 Counter-Lender provided updated 1003, but the 1003 does not include the RSU income. Also still need an updated 1008. Condition remains. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. - Buyer-08/XX/2026 Counter-Lender provided updated income documents to cure the DTI, however please provided updated 1008 and 1003 to reflect the correct income and DTI. condition remains. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Attached is an updated income worksheet with corrected rental income calculation for subject and additional RSU income, previously documented in file but not used. RSU documents previously provided in images but attached for convenience. - Buyer-07/XX/2026 Open-Audited DTI of 50.81% exceeds Guideline DTI of 50% Audit reflects difference in subject net rental income considered 75% as per Guidelines. However, Underwriter considered 100% from Lease agreement. - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
1003, W2s for 2 years, Stock agreement, and VVOE, DTI is now 33.87%,
condition resolved. Income worksheet acceptable in lieu of 1008 - Due
Diligence Vendor-09/XX/2026 Resolved-Audited DTI of 33.87% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/XX/2026 |
XX | AR | Investment | Purchase | NA | 10121122 | N/A | N/A | |||||
| 25 | XX | XX | XX | Closed | 2026-07-14 09:51 | 2026-08-18 14:03 | 2026-08-18 14:03 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History
Meets Guideline Requirements - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. - Buyer-08/XX/2026 Open-Housing History Does Not Meet Guideline Requirements Per lender guidelines, mortgage payment histories require a 12-month review to verify a 0x30 history; however, the borrower's current primary residence has only been reviewed for 9 months. Audit acknowledges that the borrower refinanced this primary residence in July 2025 to pay off a private mortgage originated in May 2025. This private mortgage remains unverified as the file lacks supporting documentation—such as a VOM, canceled checks with a copy of the Note to confirm the payment history or verify if no payments were required. - Due Diligence Vendor-07/XX/2026 |
Resolved-Housing History
Meets Guideline Requirements - Due Diligence Vendor-08/XX/2026 |
XX | IN | Investment | Purchase | NA | 10233139 | N/A | N/A | |||||
| 45 | XX | XX | XX | Closed | 2026-08-05 09:42 | 2026-08-13 15:23 | 2026-08-13 15:23 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Loan is
Construction to Permanent financing, lender advised NORTC not required. - Due
Diligence Vendor-08/XX/2026 Ready for Review-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Ready for Review-XX- Due Diligence Vendor-08/XX/2026 Ready for Review-The Property is New Construction. NORTC is not required. Kindly Overturn Finding. - Investor-08/XX/2026 Open-The loan disbursement date (2026-XX-24) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2026-XX-28). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The loan disbursement date (2026-XX-24) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2026-XX-28). Right to Cancel document is missing in the loan file, So using recession Calculator shown Disbursement date as 07/XX/2026, However Final CD reflects 07/XX/2026. - Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 |
Resolved-Loan is
Construction to Permanent financing, lender advised NORTC not required. - Due
Diligence Vendor-08/XX/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10640828 | N/A | N/A | ||||||
| 45 | XX | XX | XX | Closed | 2026-08-05 07:50 | 2026-08-13 15:20 | 2026-08-13 14:39 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-TILA: Notice of
Right to Cancel is provided - Due Diligence Vendor-08/XX/2026 Ready for Review-The Property is New Construction. NORTC is not required. Kindly Overturn Finding. - Buyer-08/XX/2026 Open-TILA: NORTC Missing for one or more borrowers/vested parties NORTC missing in loan package - Due Diligence Vendor-08/XX/2026 |
Resolved-TILA: Notice of
Right to Cancel is provided - Due Diligence Vendor-08/XX/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10638187 | N/A | N/A | ||||||
| 51 | XX | XX | XX | Closed | 2026-08-21 08:53 | 2026-09-02 12:40 | 2026-09-02 12:32 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-The Note is
Present - Due Diligence Vendor-09/XX/2026 Ready for Review-Section 1A.5 Vesting In LLC does not state a signature requirement for the note. It states the borrower must provide a Personal Guarantee. The borrower provided a personal guarantee. Corrections to the note should not be required. Kindly overturn finding. - Buyer-09/XX/2026 Open-The Note is Incomplete The Loan Approval reflects loan was approved with borrower as an individual. The Note was signed by the borrower only as a Managing Member of an LLC. The loan file contains a Guaranty Agreement; however, it was also executed by borrower only as a Managing Member and not as individual. - Due Diligence Vendor-08/XX/2026 |
Resolved-The Note is
Present - Due Diligence Vendor-09/XX/2026 |
NC | Investment | Purchase | NA | 10951332 | N/A | N/A | ||||||
| 63 | XX | XX | XX | Closed | 2026-08-19 09:42 | 2026-08-19 09:42 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10894761 | Investor Post-Close | No | |||||||
| 67 | XX | XX | XX | Closed | 2026-08-24 13:10 | 2026-09-03 10:52 | 2026-09-03 10:52 | Resolved | 1 - Information | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Removed from
asset calculation per lender request -
Due Diligence Vendor-09/XX/2026 Ready for Review-XX ending 5-XX-26 and 6-XX-26. Checking account with XX has one month but not needed to close. Kindly Overturn Finding. - Buyer-09/XX/2026 Open-Asset Record 1 Does Not Meet G/L Requirements Guidelines require the most recent 2 months of account statements; however, only one month provided. - Due Diligence Vendor-08/XX/2026 |
Resolved-Removed from asset
calculation per lender request - Due
Diligence Vendor-09/XX/2026 |
WI | Investment | Purchase | NA | 10987444 | N/A | N/A | ||||||
| 78 | XX | XX | XX | Closed | 2026-08-24 11:09 | 2026-09-14 10:40 | 2026-09-14 10:40 | Resolved | 1 - Information | Credit | Missing Doc | Missing evidence of sale of other property owned (REO) | Resolved-Received signed
Final Settlement statement for REO 3b. Resolved. - Due Diligence
Vendor-09/XX/2026 Ready for Review-Document Uploaded. - Investor-09/XX/2026 Counter-Since the Final HUD1 is not signed or dated, please additional evidence the lien is paid in full by supplying proceeds of the sale of the property or other closing documents- supplemental of credit report. condition remains. - Due Diligence Vendor-09/XX/2026 Ready for Review-The Alta Settlement statement does not have a signature line or certification line. Additionally, the preliminary watermark is removed. This is the final Alta Statement. Kindly overturn finding. - Investor-09/XX/2026 Counter-Settlement statement on page 5 of loan file is not signed or stamped as the final HUD. Provide executed or stamped Final HUD-1 for the property listed in position 3b on the application evidencing liens paid - Due Diligence Vendor-09/XX/2026 Ready for Review-Alta Settlement State for the sale of XX is on page 5 of 2121. Kindly overturn finding. - Investor-09/XX/2026 Open-Final Hud-1, Closing documents, or other evidence of sale from property listed in position 3b on the application evidencing liens paid was not provided. The Settlement Statement in file is not signed and/or certified. - Due Diligence Vendor-08/XX/2026 |
Resolved-Received signed
Final Settlement statement for REO 3b. Resolved. - Due Diligence
Vendor-09/XX/2026 |
XX | FL | Second Home | Purchase | NA | 10983440 | N/A | N/A | |||||
| 78 | XX | XX | XX | Closed | 2026-08-19 13:38 | 2026-09-08 12:46 | 2026-09-08 12:46 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2
Executed 4506-T Provided. condition resolved - Due Diligence
Vendor-09/XX/2026 Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/XX/2026 Ready for Review-4506-C Attached to other condition - Buyer-09/XX/2026 Counter-Executed 4506-T Missing for Wage income, B1 reflects wage income of $5,591.66. Condition remains. - Due Diligence Vendor-08/XX/2026 Ready for Review-When the Documentation Style is a 12-Month Bank statement program, income is not being used. Request to overturn finding. Thanks., - Investor-08/XX/2026 Open-Borrower 2 Executed 4506-T Missing for Wage income - Due Diligence Vendor-08/XX/2026 Open-Borrower 2 Executed 4506-T Missing B2 Executed 4506-T Missing from the loan file. - Due Diligence Vendor-08/XX/2026 |
Resolved-Borrower 2
Executed 4506-T Provided. condition resolved - Due Diligence
Vendor-09/XX/2026 Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/XX/2026 |
FL | Second Home | Purchase | NA | 10900843 | N/A | N/A | ||||||
| 78 | XX | XX | XX | Closed | 2026-08-19 13:38 | 2026-09-08 12:45 | 2026-09-08 12:45 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1
Executed 4506-T Provided. condition resolved. - Due Diligence
Vendor-09/XX/2026 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Attached - Investor-09/XX/2026 Counter-Executed 4506-T Missing for Wage income, B2 reflects wage income of $$6,869.72. Condition remains. - Due Diligence Vendor-08/XX/2026 Ready for Review-When the Documentation Style is a 12-Month Bank statement program, income is not being used. Request to kindly overturn. Thanks. - Investor-08/XX/2026 Open-Borrower 1 Executed 4506-T Missing for Wage income - Due Diligence Vendor-08/XX/2026 Open-Borrower 1 Executed 4506-T Missing B1 Executed 4506-T Missing from the loan file. - Due Diligence Vendor-08/XX/2026 |
Resolved-Borrower 1
Executed 4506-T Provided. condition resolved. - Due Diligence
Vendor-09/XX/2026 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-09/XX/2026 |
XX | FL | Second Home | Purchase | NA | 10900842 | N/A | N/A | |||||
| 85 | XX | XX | XX | Closed | 2026-09-02 12:38 | 2026-09-02 12:38 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. This finding will be
rated a B for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2026 |
MI | Primary Residence | Purchase | NA | 11173497 | Investor Post-Close | No | |||||||
| 104 | XX | XX | XX | Closed | 2026-08-11 12:59 | 2026-09-10 11:56 | Waived | 2 - Non-Material | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Waived-Audited DSCR of
0.989 is below guideline minimum of 1 Lender provided approved exception
dated post consummation and all lender compensating factors have been
documented and validated. This finding
is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-09/XX/2026 Ready for Review-Document Uploaded. DSCR Exception attached. Thank you - Buyer-09/XX/2026 Open-Audited DSCR of 0.989 is below guideline minimum of 1 Debt Service Coverage Ratio of 0.989% is below guideline minimum of 1.00%. Lender's guidelines require the DSCR to be calculated using the lessor of the market rent or third party market rent for purchase transactions. - Due Diligence Vendor-08/XX/2026 |
Waived-Audited DSCR of
0.989 is below guideline minimum of 1 Lender provided approved exception
dated post consummation and all lender compensating factors have been
documented and validated. This finding
is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-09/XX/2026 |
XX | Reserves: 49k actual v $6900 required (14 months vs 6
months) FICO: 783 vs 720 required LTV 85% vs 80% guideline Lease just renewed on 7/2026 with notice on 5/2026 for almost 12 months at the current lease amount on long term tenant. |
WI | Investment | Purchase | NA | 10745416 | Originator Post-Close | No | |||||
| 104 | XX | XX | XX | Closed | 2026-08-11 12:28 | 2026-08-20 15:50 | 2026-08-20 15:50 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-CDs provided for
properties with liens. Housing history verified. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-08/XX/2026 Ready for Review-(XX, purchase) - Property 3c (XX) is lien free per 1003 and nothing additional is required. Property 3d (XX) is a purchase for loan #XX below and 12-month payment history doesn’t apply. Request made to overturn finding. - Buyer-08/XX/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing 12-month payment histories for REO 3c and 3d or evidence no payments are required. - Due Diligence Vendor-08/XX/2026 |
Resolved-CDs provided for
properties with liens. Housing history verified. - Due Diligence Vendor-08/XX/2026 |
XX | WI | Investment | Purchase | NA | 10744644 | N/A | N/A | |||||
| 105 | XX | XX | XX | Closed | 2026-08-11 11:43 | 2026-08-20 15:49 | 2026-08-20 15:49 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of
Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.
- Due Diligence Vendor-08/XX/2026 Resolved-CDs provided for properties with liens. Housing history verified. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-08/XX/2026 Ready for Review-(XX, purchase. Property 3c (XX) is lien free per 1003 and nothing additional is required. Property 3d (XX) is a purchase for loan #XX above and 12-month payment history doesn’t apply. Request made to overturn finding. - Buyer-08/XX/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing 12-month payment histories for REO 3c and 3d or evidence no payments required. - Due Diligence Vendor-08/XX/2026 |
Resolved-Verification of
Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.
- Due Diligence Vendor-08/XX/2026 Resolved-CDs provided for properties with liens. Housing history verified. - Due Diligence Vendor-08/XX/2026 |
XX | WI | Investment | Purchase | NA | 10743497 | N/A | N/A | |||||
| 106 | XX | XX | XX | Closed | 2026-08-10 13:55 | 2026-08-20 15:47 | 2026-08-20 15:47 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-CDs provided for
properties with liens. Housing history verified. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-08/XX/2026 Ready for Review-(XX cashout refinance). Property 3c (XX) is lien free per 1003 and nothing additional is required. Property 3d (XX) is a purchase for loan #XX above and 12-month payment history doesn’t apply. Property 3e XX) is a purchase for loan #XX above and 12-month payment history doesn’t apply. Request made to overturn finding. - Buyer-08/XX/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing 12-month housing payment histories for REO 3c, 3d and 3e or evidence no payments are due. - Due Diligence Vendor-08/XX/2026 |
Resolved-CDs provided for
properties with liens. Housing history verified. - Due Diligence Vendor-08/XX/2026 |
XX | WI | Investment | Refinance | Cash Out - Other | 10716904 | N/A | N/A | |||||
| 113 | XX | XX | XX | Closed | 2026-08-19 13:09 | 2026-08-19 13:09 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
CA | Primary Residence | Purchase | NA | 10900173 | Investor Post-Close | No | |||||||
| 118 | XX | XX | XX | Closed | 2026-08-20 11:35 | 2026-08-27 08:57 | 2026-08-27 08:56 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-RESPA: IEADS
Required is Provided. Resolved - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Signed IEADS uploaded for review. Thanks - Buyer-08/XX/2026 Open-RESPA: IEADS Required - Missing IEADS is missing in file. - Due Diligence Vendor-08/XX/2026 |
Resolved-RESPA: IEADS
Required is Provided. Resolved - Due Diligence Vendor-08/XX/2026 |
XX | GA | Primary Residence | Purchase | NA | 10926521 | N/A | N/A | |||||
| 118 | XX | XX | XX | Closed | 2026-08-19 10:32 | 2026-08-19 10:32 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
GA | Primary Residence | Purchase | NA | 10896800 | Investor Post-Close | No | |||||||
| 121 | XX | XX | XX | Closed | 2026-08-20 06:28 | 2026-08-20 06:29 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely | Acknowledged-ECOA Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely - Due Diligence Vendor-08/XX/2026 | Acknowledged-ECOA
Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely - Due
Diligence Vendor-08/XX/2026 |
FL | Second Home | Refinance | No Cash Out - Borrower Initiated | 10918975 | Investor Post-Close | No | |||||||
| 135 | XX | XX | XX | Closed | 2026-08-21 15:24 | 2026-08-21 15:24 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-08/XX/2026 |
TN | Primary Residence | Purchase | NA | 10961658 | Investor Post-Close | No | |||||||
| 138 | XX | XX | XX | Closed | 2026-09-08 13:04 | 2026-09-08 13:04 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2026 |
CO | Investment | Refinance | No Cash Out - Borrower Initiated | 11253320 | Investor Post-Close | No | |||||||
| 142 | XX | XX | XX | Closed | 2026-09-02 11:29 | 2026-09-02 11:29 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2026 |
NC | Second Home | Purchase | NA | 11170977 | Investor Post-Close | No | |||||||
| 150 | XX | XX | XX | Closed | 2026-08-24 07:09 | 2026-08-31 10:39 | Acknowledged | 2 - Non-Material | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H8 equal or after 7/5/2018 (non-material jurisdictions) | Acknowledged-Lender
requested finding be overturned. This
finding is non-material and will be rated a B for all agencies. - Due
Diligence Vendor-08/XX/2026 Ready for Review-Request for this finding to be overturned as this property is located in TX. Circuit Courts 2,5,7, 8,9,10 have not issued opinions and have remained silent. Either form is acceptable. Covered states: CT, NY, VT, DC, LA, MS, TX, Ill, WI, IN, AR, IA, MN, MO, NE, ND, SD, AL, AZ, CA, HI, ID, MT, NA, OR, WA, CO, KS, NM, OK, UT, WY - Buyer-08/XX/2026 Open-TILA: Incorrect NORTC model provided - H8 equal or after 7/XX/2018 (non-material jurisdictions) H-8 vs. H-9 used for Same Lender Refinance. B exception grade for circuits in which there is no ruling. - Due Diligence Vendor-08/XX/2026 |
Acknowledged-Lender
requested finding be overturned. This
finding is non-material and will be rated a B for all agencies. - Due
Diligence Vendor-08/XX/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 10979140 | Investor Post-Close | No | |||||||
| 168 | XX | XX | XX | Closed | 2026-08-19 14:13 | 2026-08-19 14:13 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
TN | Primary Residence | Refinance | Cash Out - Other | 10902229 | Investor Post-Close | No | |||||||
| 181 | XX | XX | XX | Closed | 2026-08-19 01:23 | 2026-09-02 10:37 | 2026-09-02 10:37 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-XX-Consent
documentation for borrower(s) provided. condition resolved - Due Diligence
Vendor-09/XX/2026 Resolved-XX-Consent documentation for borrower(s) provided. - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. - Buyer-08/XX/2026 Open-XX-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower - Due Diligence Vendor-08/XX/2026 |
Resolved-E-Consent
documentation for borrower(s) provided. condition resolved - Due Diligence
Vendor-09/XX/2026 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-09/XX/2026 |
XX | FL | Investment | Purchase | NA | 10886821 | N/A | N/A | |||||
| 190 | XX | XX | XX | Closed | 2026-08-19 13:38 | 2026-08-19 13:38 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
UT | Primary Residence | Refinance | Cash Out - Other | 10900853 | Investor Post-Close | No | |||||||
| 312 | XX | XX | XX | Closed | 2026-08-24 11:29 | 2026-08-31 10:54 | 2026-08-31 10:54 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Lender provided
the fully complete note. Condition
cleared - Due Diligence Vendor-08/XX/2026 Resolved-The Note is Present - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached Note. - Buyer-08/XX/2026 Open-The Note is Incomplete The complete note date and subject property address is missing in provided NOTE - The property address XX is missing Note date mentioned as XX - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
the fully complete note. Condition
cleared - Due Diligence Vendor-08/XX/2026 Resolved-The Note is Present - Due Diligence Vendor-08/XX/2026 |
XX | FL | Primary Residence | Purchase | NA | 10983737 | N/A | N/A | |||||
| 314 | XX | XX | XX | Closed | 2026-08-24 09:17 | 2026-08-27 10:42 | 2026-08-27 10:42 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached businese purpose cert. - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | FL | Investment | Purchase | NA | 10981326 | N/A | N/A | |||||
| 320 | XX | XX | XX | Closed | 2026-09-04 11:21 | 2026-09-29 12:32 | 2026-09-10 13:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Lender provided
the signed Business Purpose Affidavit.
condition resolved. - Due Diligence Vendor-09/XX/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please find Business Purpose attached - Buyer-09/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-09/XX/2026 |
Resolved-Lender provided
the signed Business Purpose Affidavit.
condition resolved. - Due Diligence Vendor-09/XX/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-09/XX/2026 |
XX | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 11225877 | N/A | N/A | |||||
| 322 | XX | XX | XX | Closed | 2026-08-20 07:04 | 2026-08-31 15:18 | 2026-08-31 15:18 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached Business Purpose - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | FL | Investment | Purchase | NA | 10919783 | N/A | N/A | |||||
| 324 | XX | XX | XX | Closed | 2026-08-21 11:20 | 2026-09-02 12:42 | 2026-09-02 12:42 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided
the Initial CD. condition resolved. - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please find CD attached - Buyer-09/XX/2026 Open-Initial Closing disclosure is missing from the loan file. - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
the Initial CD. condition resolved. - Due Diligence Vendor-09/XX/2026 |
XX | MS | Second Home | Purchase | NA | 10956184 | N/A | N/A | |||||
| 324 | XX | XX | XX | Closed | 2026-08-20 11:48 | 2026-08-31 12:12 | 2026-08-31 12:12 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided
the initial Closing disclosure. - Due Diligence Vendor-08/XX/2026 Resolved-XX- Due Diligence Vendor-08/XX/2026 Open-The Initial Closing Disclosure Received Date of (2026-XX-04) is not three business days before the consummation date of (2026-XX-04). Three business days before the consummation date is (20260731). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial closing disclosure is not available in file - Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
the initial Closing disclosure. - Due Diligence Vendor-08/XX/2026 |
MS | Second Home | Purchase | NA | 10927449 | N/A | N/A | ||||||
| 327 | XX | XX | XX | Closed | 2026-09-04 15:19 | 2026-09-10 13:44 | 2026-09-10 13:44 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Lender provided
the Business Purpose Affidavit.
Condition resolved. - Due Diligence Vendor-09/XX/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please find Business Purpose attached - Buyer-09/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-09/XX/2026 |
Resolved-Lender provided
the Business Purpose Affidavit.
Condition resolved. - Due Diligence Vendor-09/XX/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-09/XX/2026 |
XX | CA | Investment | Refinance | Cash Out - Other | 11231191 | N/A | N/A | |||||
| 330 | XX | XX | XX | Closed | 2026-09-02 12:14 | 2026-09-02 12:14 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2026 |
NY | Primary Residence | Purchase | NA | 11172748 | Investor Post-Close | No | |||||||
| 331 | XX | XX | XX | Closed | 2026-08-18 14:15 | 2026-08-31 11:15 | 2026-08-31 11:15 | Resolved | 1 - Information | Credit | Missing Doc | HO6 Insurance Policy is Missing | Resolved-Lender provided
the Master insurance policy showing walls in coverage. Condition cleared. - Due Diligence
Vendor-08/XX/2026 Resolved-XX-6 Insurance Policy is fully present - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Per our Processing - "The master policy (uploaded) states it has walls in coverage including betterments and improvements. We do not require a HO6 when walls in for betterments and improvements is covered. - Buyer-08/XX/2026 Open-Missing HO-6 Insurance Policy HO6 policy missing in file. - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
the Master insurance policy showing walls in coverage. Condition cleared. - Due Diligence
Vendor-08/XX/2026 Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-08/XX/2026 |
XX | NY | Investment | Refinance | Cash Out - Other | 10875699 | N/A | N/A | |||||
| 334 | XX | XX | XX | Closed | 2026-08-04 10:22 | 2026-10-29 11:03 | 2026-10-29 11:03 | Resolved | 1 - Information | Compliance | Mavent | HighCost: APR/FEES | Resolved-XX- Due Diligence
Vendor-10/XX/2026 Resolved-Resolved - Due Diligence Vendor-10/XX/2026 Resolved-XX- Due Diligence Vendor-09/XX/2026 Resolved-Received par rate. Condition cleared. - Due Diligence Vendor-08/XX/2026 Open-The loan fees ($43,392.97) exceed the (XX) (Note Amount >=$XX) fee limit, which is 5% of the Total Loan Amount ($XX), the difference is ($92.65). (12 CFR 1026.32). - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. The Compliance Ease report provided the information requested. I have attached a copy for your review. - Buyer-08/XX/2026 Counter-Hello, please provide discount point information including APOR used. Compliance will be re-evaluated. - Due Diligence Vendor-08/XX/2026 Ready for Review-The loan was evaluated determined not to be a Federal High-Cost Mortgage under HOEPA. We calculated total HOEPA points and fees of $25,106.17, which is below the applicable threshold of $43,275.32. The calculation properly excludes $18,286.80 in bona fide discount points as permitted under Regulation Z. As a result, the loan was determined not to be a High-Cost Mortgage. Because the loan is not a High-Cost Mortgage, the Federal Section 32 disclosure requirements are not applicable, and the absence of a Section 32 disclosure date does not constitute a violation. Our ComplianceEase report in the loan file specifically indicates that the High-Cost Mortgage disclosure timing test is N/A because the loan is not high cost. Additionally, the late charge provisions cited under 12 CFR 1026.34(a)(8) applies only to High-Cost Mortgages. Since the loan did not trigger HOEPA coverage, the High-Cost Mortgage late fee provisions is not applicable. Based on the foregoing, we respectfully request removal of the finding. - Buyer-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-The loan fees ($43,392.97) exceed the (XX) (Note Amount >=$XX) fee limit, which is 5% of the Total Loan Amount ($XX), the difference is ($92.45). (12 CFR 1026.32). - Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 |
Resolved- - Due Diligence Vendor-10/XX/2026 Resolved-Resolved - Due Diligence Vendor-10/XX/2026 Resolved-Received par rate. Condition cleared. - Due Diligence Vendor-08/XX/2026 |
XX | CA | Primary Residence | Purchase | NA | 10618432 | N/A | N/A | |||||
| 334 | XX | XX | XX | Closed | 2026-08-04 10:22 | 2026-10-29 11:02 | 2026-10-29 11:02 | Resolved | 1 - Information | Compliance | Predatory:Restrictions | Federal - Section 32 Disclosure Required (High Cost) | Resolved-XX- Due Diligence
Vendor-10/XX/2026 Resolved-Resolved - Due Diligence Vendor-10/XX/2026 Resolved-XX- Due Diligence Vendor-09/XX/2026 Resolved-Received par rate. Condition cleared. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. The Compliance Ease report provided the information requested. I have attached a copy for your review. - Investor-08/XX/2026 Counter-Hello, please provide discount point information including APOR used. Compliance will be re-evaluated. - Due Diligence Vendor-08/XX/2026 Ready for Review-The loan was evaluated determined not to be a Federal High-Cost Mortgage under HOEPA. We calculated total HOEPA points and fees of $25,106.17, which is below the applicable threshold of $43,275.32. The calculation properly excludes $18,286.80 in bona fide discount points as permitted under Regulation Z. As a result, the loan was determined not to be a High-Cost Mortgage. Because the loan is not a High-Cost Mortgage, the Federal Section 32 disclosure requirements are not applicable, and the absence of a Section 32 disclosure date does not constitute a violation. Our ComplianceEase report in the loan file specifically indicates that the High-Cost Mortgage disclosure timing test is N/A because the loan is not high cost. Additionally, the late charge provisions cited under 12 CFR 1026.34(a)(8) applies only to High-Cost Mortgages. Since the loan did not trigger HOEPA coverage, the High-Cost Mortgage late fee provisions is not applicable. Based on the foregoing, we respectfully request removal of the finding. - Investor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-This is a Federal High Cost Loan. Since the loan file does not contain a Section 32 Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section 32 disclosures at least 3 business days prior to consummation, in violation of Reg Z. (12 CFR 1026.31(c) and 1026.32(c)) - Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 |
Resolved- - Due Diligence Vendor-10/XX/2026 Resolved-Resolved - Due Diligence Vendor-10/XX/2026 Resolved-. - Due Diligence Vendor-09/XX/2026 Resolved-Received par rate. Condition cleared. - Due Diligence Vendor-08/XX/2026 |
XX | CA | Primary Residence | Purchase | NA | 10618431 | N/A | N/A | |||||
| 334 | XX | XX | XX | Closed | 2026-08-04 10:22 | 2026-10-29 11:02 | 2026-10-29 11:02 | Resolved | 1 - Information | Compliance | Predatory:LateFees | Federal - Maximum Late Fee (01/14) | Resolved-XX- Due Diligence
Vendor-10/XX/2026 Resolved-Resolved - Due Diligence Vendor-10/XX/2026 Resolved-XX- Due Diligence Vendor-09/XX/2026 Resolved-Received par rate. Condition cleared. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. The Compliance Ease report provided the information requested. I have attached a copy for your review. - Investor-08/XX/2026 Counter-Hello, please provide discount point information including APOR used. Compliance will be re-evaluated. - Due Diligence Vendor-08/XX/2026 Ready for Review-The loan was evaluated determined not to be a Federal High-Cost Mortgage under HOEPA. We calculated total HOEPA points and fees of $25,106.17, which is below the applicable threshold of $43,275.32. The calculation properly excludes $18,286.80 in bona fide discount points as permitted under Regulation Z. As a result, the loan was determined not to be a High-Cost Mortgage. Because the loan is not a High-Cost Mortgage, the Federal Section 32 disclosure requirements are not applicable, and the absence of a Section 32 disclosure date does not constitute a violation. Our ComplianceEase report in the loan file specifically indicates that the High-Cost Mortgage disclosure timing test is N/A because the loan is not high cost. Additionally, the late charge provisions cited under 12 CFR 1026.34(a)(8) applies only to High-Cost Mortgages. Since the loan did not trigger HOEPA coverage, the High-Cost Mortgage late fee provisions is not applicable. Based on the foregoing, we respectfully request removal of the finding. - Investor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-You submitted a late fee amount of ($292.73) and a (5.0%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (12 CFR 1026.34(a)(8)(i)) - Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 |
Resolved- - Due Diligence Vendor-10/XX/2026 Resolved-Resolved - Due Diligence Vendor-10/XX/2026 Resolved-. - Due Diligence Vendor-09/XX/2026 Resolved-Received par rate. Condition cleared. - Due Diligence Vendor-08/XX/2026 |
XX | CA | Primary Residence | Purchase | NA | 10618427 | N/A | N/A | |||||
| 334 | XX | XX | XX | Closed | 2026-08-10 07:52 | 2026-08-10 07:52 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-08/XX/2026 |
CA | Primary Residence | Purchase | NA | 10706872 | Investor Post-Close | No | |||||||
| 346 | XX | XX | XX | Closed | 2026-08-11 12:42 | 2026-08-27 09:48 | 2026-08-27 09:48 | Resolved | 1 - Information | Credit | Missing Doc | Asset 1 Missing | Resolved-Cash Out being
used for reserves. Resolved. - Due Diligence Vendor-08/XX/2026 Ready for Review-Per Underwriting Management, loan is a cash out and borrower received $22,622.94 at closing. this covers the reserves needed per the guides. Nothing additional is needed. Asset worksheet states $10k to give a cushion of what we were using from the proceeds of our transaction. - Investor-08/XX/2026 Counter-According to 1003, Asset Worksheet, and XX-worksheet shows in asset section- Checking Account CASH OUT PROCEEDS ************xxx $10,000.00. condition remains - Due Diligence Vendor-08/XX/2026 Ready for Review-Please provide additional details regarding this condition. Not sure of what is actually being asked here. - Investor-08/XX/2026 Open-Asset 1 Missing Asset proof is missing - Due Diligence Vendor-08/XX/2026 |
Resolved-Cash Out being
used for reserves. Resolved. - Due Diligence Vendor-08/XX/2026 |
OH | Primary Residence | Refinance | Cash Out - Other | 10744970 | N/A | N/A | ||||||
| 346 | XX | XX | XX | Closed | 2026-08-11 12:42 | 2026-08-27 09:48 | 2026-08-27 09:48 | Resolved | 1 - Information | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Cash Out being
used for reserves. Resolved. - Due Diligence Vendor-08/XX/2026 Ready for Review-Per Underwriting Management, loan is a cash out and borrower received $22,622.94 at closing. this covers the reserves needed per the guides. Nothing additional is needed. Asset worksheet states $10k to give a cushion of what we were using from the proceeds of our transaction. - Investor-08/XX/2026 Counter-According to 1003, Asset Worksheet, and XX-worksheet shows in asset section- Checking Account CASH OUT PROCEEDS ************xxx $10,000.00. there is no evidence of 10K. condition remains - Due Diligence Vendor-08/XX/2026 Ready for Review-Please provide additional details regarding this condition. Not sure of what is actually being asked here. - Buyer-08/XX/2026 Open-Asset Record 1 Does Not Meet G/L Requirements Asset proof is missing - Due Diligence Vendor-08/XX/2026 |
Resolved-Cash Out being
used for reserves. Resolved. - Due Diligence Vendor-08/XX/2026 |
OH | Primary Residence | Refinance | Cash Out - Other | 10744971 | N/A | N/A | ||||||
| 350 | XX | XX | XX | Closed | 2026-08-11 09:18 | 2026-08-24 10:23 | 2026-08-24 10:23 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall - Replacement Cost Provided | Resolved-Hazard Insurance
Coverage Amount of $501000 is equal to or greater than Total Amount of
Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence
Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached letter of explanation from the agent. - Buyer-08/XX/2026 Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XX Hazard Insurance Coverage Amount of $XX is less than the subject property loan amount and/or Replacement Cost Estimator is provided on appraisal page#132-132 but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XX Processor’s Certification - pg 508, for Replacement Cost Estimator. - Due Diligence Vendor-08/XX/2026 |
Resolved-Hazard Insurance
Coverage Amount of $XX is equal to or greater than Total Amount of Subject
Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence
Vendor-08/XX/2026 |
XX | SC | Investment | Purchase | NA | 10738646 | N/A | N/A | |||||
| 350 | XX | XX | XX | Closed | 2026-08-13 15:20 | 2026-08-13 15:20 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-08/XX/2026 |
SC | Investment | Purchase | NA | 10797947 | Investor Post-Close | No | |||||||
| 352 | XX | XX | XX | Closed | 2026-09-01 14:43 | 2026-09-01 14:43 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2026 |
SC | Primary Residence | Purchase | NA | 11152051 | Investor Post-Close | No | |||||||
| 357 | XX | XX | XX | Closed | 2026-08-21 07:22 | 2026-09-02 10:25 | 2026-09-02 10:25 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Lender provided
PCCD with cure amount of 305.00, which will be applied to loan and evidence
of delivery to borrowers. Condition resolved. - Due Diligence
Vendor-09/XX/2026 Resolved-Resolved - Due Diligence Vendor-09/XX/2026 Ready for Review-Please see uploaded cure package. Please also note, there was an additional $185.00 cure requested last week for the appraisal re-inspection fee not being disclosed within 3 days. That is the reason for the increase in total cure amount. Thanks. - Investor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($114.70) were applied to the total fee variance of ($120.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Valid COC not provided. - Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
PCCD with cure amount of 305.00, which will be applied to loan and evidence
of delivery to borrowers. Condition resolved. - Due Diligence
Vendor-09/XX/2026 Resolved-Resolved - Due Diligence Vendor-09/XX/2026 |
TX | Primary Residence | Purchase | NA | 10948532 | N/A | N/A | ||||||
| 357 | XX | XX | XX | Closed | 2026-08-21 07:22 | 2026-09-02 10:25 | 2026-09-02 10:25 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Lender provided
PCCD with cure amount of 305.00, which will be applied to loan and evidence
of delivery to borrowers. Condition resolved. - Due Diligence
Vendor-09/XX/2026 Resolved-Resolved - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please see uploaded cure package. Please also note, there was an additional $185.00 cure requested last week for the appraisal re-inspection fee not being disclosed within 3 days. That is the reason for the increase in total cure amount. Thanks - Buyer-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($114.70) were applied to the total fee variance of ($120.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Valid COC not provided. - Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
PCCD with cure amount of 305.00, which will be applied to loan and evidence
of delivery to borrowers. Condition resolved. - Due Diligence
Vendor-09/XX/2026 Resolved-Resolved - Due Diligence Vendor-09/XX/2026 |
XX | TX | Primary Residence | Purchase | NA | 10948531 | N/A | N/A | |||||
| 359 | XX | XX | XX | Closed | 2026-08-20 14:43 | 2026-09-02 09:13 | 2026-09-02 09:13 | Resolved | 1 - Information | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1
Meets G/L Requirements - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Loan was qualified using personal assets XX, statements attached. - Buyer-08/XX/2026 Open-Asset Record 1 Does Not Meet G/L Requirements Business funds are being used for reserves, audit was unable to determine the percentage of ownership with one of the following: CPA letter or Business formation documents (e.g., operating agreement, partnership agreement, bylaws). SmartVest: 100% of business assets may be used on the SmartVest Product. Borrower must be at least 25% owner of the business . If ownership is less than 100%, must obtain written approval from all other business owners. - Due Diligence Vendor-08/XX/2026 |
Resolved-Asset Record 1
Meets G/L Requirements - Due Diligence Vendor-09/XX/2026 |
XX | OH | Investment | Refinance | No Cash Out - Borrower Initiated | 10933293 | N/A | N/A | |||||
| 359 | XX | XX | XX | Closed | 2026-08-18 10:04 | 2026-08-20 15:02 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount
of $XX is less than the Guideline Minimum Loan Amount of $100000 Lender
provided approved exception dated prior to consummation and all lender
compensating factors have been documented and validated. Finding is non-material, and loan will be
graded a B. - Due Diligence Vendor-08/XX/2026 |
Waived-Audited Loan Amount
of $XX is less than the Guideline Minimum Loan Amount of $100000 Lender
provided approved exception dated prior to consummation and all lender
compensating factors have been documented and validated. Finding is non-material, and loan will be
graded a B. - Due Diligence Vendor-08/XX/2026 |
DSCR 2.20 FICO 754 vs 720 min - 176 page verified from credit report PITI decreasing from $1,500 to $839.36 Perfect mortgage payment history going back to 2003 - as per Final CD page#103 the monthly PITIA is $842.64 | OH | Investment | Refinance | No Cash Out - Borrower Initiated | 10869291 | Originator Pre-Close | Yes | ||||||
| 363 | XX | XX | XX | Closed | 2026-08-18 12:27 | 2026-09-02 12:47 | 2026-09-02 12:47 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided. condition resolved. - Due Diligence
Vendor-09/XX/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please find Verification attached - Buyer-09/XX/2026 Counter-Received Business internet search. Dated verification of employment is required. Condition remains. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. 3rd party search. Also sec of state is uploaded and shows business in existence - Buyer-08/XX/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE for Borrower's business is missing - Due Diligence Vendor-08/XX/2026 |
Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided. condition resolved. - Due Diligence
Vendor-09/XX/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/XX/2026 |
XX | TX | Primary Residence | Refinance | Cash Out - Other | 10872831 | N/A | N/A | |||||
| 364 | XX | XX | XX | Closed | 2026-09-02 16:48 | 2026-09-02 17:05 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. This finding is
non-material and will be rated a B for all agencies - Due Diligence
Vendor-09/XX/2026 |
AK | Investment | Refinance | Cash Out - Other | 11180133 | Investor Post-Close | No | |||||||
| 365 | XX | XX | XX | Closed | 2026-08-19 13:16 | 2026-08-24 10:16 | 2026-08-24 10:16 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see uploaded Business Purpose - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit is missing in file. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | MD | Investment | Refinance | Cash Out - Other | 10900332 | N/A | N/A | |||||
| 374 | XX | XX | XX | Closed | 2026-08-04 07:55 | 2026-08-26 07:51 | 2026-08-26 07:51 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Received PCCD.
Resolved - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see uploaded PCCD with a correct disbursement date - Buyer-08/XX/2026 Open-The loan disbursement date (2026-XX-21) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2026-XX-21). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The loan disbursement date (2026-XX-21) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2026-XX-21). - Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 |
Resolved-Received PCCD.
Resolved - Due Diligence Vendor-08/XX/2026 |
XX | VA | Primary Residence | Refinance | Cash Out - Other | 10614435 | N/A | N/A | |||||
| 376 | XX | XX | XX | Closed | 2026-09-08 08:17 | 2026-09-08 08:22 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements FTHB program requires a housing history within the prior 3 years to be documented. Borrower lives rent free. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/XX/2026 | Waived-Housing History Does
Not Meet Guideline Requirements FTHB program requires a housing history
within the prior 3 years to be documented. Borrower lives rent free. Lender
provided approved exception dated prior to consummation and all lender
compensating factors have been documented and validated. - Due Diligence
Vendor-09/XX/2026 |
Reserves of $128K DTI = 11% LTV 80% vs 90% |
NY | Primary Residence | Purchase | NA | 11246106 | Originator Pre-Close | Yes | ||||||
| 376 | XX | XX | XX | Closed | 2026-09-02 09:35 | 2026-09-02 09:35 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2026 |
NY | Primary Residence | Purchase | NA | 11167794 | Investor Post-Close | No | |||||||
| 382 | XX | XX | XX | Closed | 2026-09-02 09:23 | 2026-09-02 09:23 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2026 |
GA | Primary Residence | Refinance | Cash Out - Other | 11167470 | Investor Post-Close | No | |||||||
| 385 | XX | XX | XX | Closed | 2026-08-18 11:28 | 2026-09-03 11:08 | 2026-09-03 11:08 | Resolved | 1 - Information | Credit | Missing Doc | Asset 3 Missing | Resolved-Lender provided
June statement, which was missing for Asset 3, May statement present in the
loan file. condition resolved. - Due Diligence Vendor-09/XX/2026 Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please find attached June statement with balances of $4,664.42 and 806.68 - Buyer-09/XX/2026 Counter-Review assets for XX and XX statement, we are missing 06/XX/26 statement showing balance for 4,664.42 for XX and $806.68 for XX. condition remains. - Due Diligence Vendor-09/XX/2026 Ready for Review-Per Underwriting: Please see the Stock/Retirement Stmt under Assets in the file. It is the XX account and on page 2 of 3 it reflects a balance of $4,664.42 for XX and $806.68 for XX which are the two acceptable assets on that statement. These two balances equal $5,471.10 for that XX account through 6/XX/26 and we are using 50% of that on the asset worksheet. - Buyer-09/XX/2026 Open-Asset 3 Missing XX with account balance - $2,735.00 Missing - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
June statement, which was missing for Asset 3, May statement present in the
loan file. condition resolved. - Due Diligence Vendor-09/XX/2026 Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-09/XX/2026 |
XX | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10871374 | N/A | N/A | |||||
| 386 | XX | XX | XX | Closed | 2026-08-19 10:27 | 2026-08-26 13:53 | 2026-08-26 13:53 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached business purpose cert. - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit is missing in file. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | VA | Investment | Refinance | Cash Out - Other | 10896723 | N/A | N/A | |||||
| 390 | XX | XX | XX | Closed | 2026-09-02 10:50 | 2026-09-03 14:15 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-09/XX/2026 |
Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-09/XX/2026 |
MD | Primary Residence | Purchase | NA | 11169905 | Investor Post-Close | No | |||||||
| 401 | XX | XX | XX | Closed | 2026-09-01 12:54 | 2026-09-01 12:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2026 |
FL | Primary Residence | Purchase | NA | 11149723 | Investor Post-Close | No | |||||||
| 402 | XX | XX | XX | Closed | 2026-08-21 04:08 | 2026-08-31 10:47 | 2026-08-31 10:47 | Resolved | 1 - Information | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Lender provided
missing bank statement. Condition cleared. - Due Diligence Vendor-08/XX/2026
Ready for Review-Document Uploaded. Please see attached bank statement. - Buyer-08/XX/2026 Open-One month of the XX Business Bank Statement ending March 31, 2026 (Acct. ending 5783) is missing. - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
missing bank statement. Condition cleared. - Due Diligence
Vendor-08/XX/2026 |
XX | TX | Primary Residence | Purchase | NA | 10943996 | N/A | N/A | |||||
| 402 | XX | XX | XX | Closed | 2026-08-20 11:27 | 2026-08-31 10:47 | 2026-08-31 10:47 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided
missing bank statement. Condition cleared. - Due Diligence Vendor-08/XX/2026
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached bank statement. - Buyer-08/XX/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements One month of the XX Business Bank Statement ending March 31, 2026 (Acct. ending XX) is missing. - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
missing bank statement. Condition cleared. - Due Diligence Vendor-08/XX/2026
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/XX/2026 |
XX | TX | Primary Residence | Purchase | NA | 10926235 | N/A | N/A | |||||
| 410 | XX | XX | XX | Closed | 2026-08-18 15:40 | 2026-08-18 15:40 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
FL | Primary Residence | Purchase | NA | 10877314 | Investor Post-Close | No | |||||||
| 414 | XX | XX | XX | Closed | 2026-08-21 14:03 | 2026-08-31 15:15 | 2026-08-31 15:15 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please fund attached Business purpose - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit is missing in file. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | WA | Investment | Purchase | NA | 10960308 | N/A | N/A | |||||
| 417 | XX | XX | XX | Closed | 2026-09-03 11:17 | 2026-09-10 13:07 | 2026-09-10 13:07 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided
documentation that the initial CD was sent electronically. Condition cleared. - Due Diligence
Vendor-09/XX/2026 Resolved-Resolved - Due Diligence Vendor-09/XX/2026 Ready for Review-CD dated 8.14 was sent to the borrower electronically (not USPS). Please see uploaded screenshot from our system and XX showing "Sent" - Investor-09/XX/2026 Open-The Initial Closing Disclosure was provided on (2026-XX-14) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2026-XX-18). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2026-XX-18), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX), for consummation to occur on (2026-XX-18). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 08/XX/2026 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 08/XX/2026. No Cure. - Due Diligence Vendor-09/XX/2026 Open-XX- Due Diligence Vendor-09/XX/2026 |
Resolved-Lender provided
documentation that the initial CD was sent electronically. Condition cleared. - Due Diligence
Vendor-09/XX/2026 Resolved-Resolved - Due Diligence Vendor-09/XX/2026 |
CA | Investment | Refinance | Cash Out - Other | 11199140 | N/A | N/A | ||||||
| 417 | XX | XX | XX | Closed | 2026-09-03 11:17 | 2026-09-10 13:07 | 2026-09-10 13:07 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date (Investment Property Warnings) | Resolved-Lender provided
documentation that the initial CD was sent electronically. Condition cleared. - Due Diligence
Vendor-09/XX/2026 Resolved-Resolved - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. CD dated 8.14 was sent to the borrower electronically (not USPS). Please see uploaded screenshot from our system and XX showing "Sent" - Buyer-09/XX/2026 Open-The Initial Closing Disclosure was provided on (2026-XX-14) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2026-XX-18). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2026-XX-18), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX), for consummation to occur on (2026-XX-18). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 08/XX/2026 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 08/XX/2026. No Cure. - Due Diligence Vendor-09/XX/2026 Open-XX- Due Diligence Vendor-09/XX/2026 |
Resolved-Lender provided
documentation that the initial CD was sent electronically. Condition cleared. - Due Diligence
Vendor-09/XX/2026 Resolved-Resolved - Due Diligence Vendor-09/XX/2026 |
XX | CA | Investment | Refinance | Cash Out - Other | 11199139 | N/A | N/A | |||||
| 417 | XX | XX | XX | Closed | 2026-09-03 12:25 | 2026-09-03 12:29 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of $XX is greater than the Guideline Maximum Loan Amount of $1000000 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/XX/2026 | Waived-Audited Loan Amount
of $XX is greater than the Guideline Maximum Loan Amount of $1000000 Lender
provided approved exception dated prior to consummation and all lender
compensating factors have been documented and validated. - Due Diligence
Vendor-09/XX/2026 |
Reserves Required $113,100 vs actual verified $152,772 0X30X12 on all mortgages FICO 728 vs. 720 required Experienced Investor 9-year history of self-employment |
CA | Investment | Refinance | Cash Out - Other | 11200565 | Originator Pre-Close | Yes | ||||||
| 419 | XX | XX | XX | Closed | 2026-09-03 09:48 | 2026-09-03 09:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2026 |
NC | Investment | Purchase | NA | 11196095 | Investor Post-Close | No | |||||||
| 424 | XX | XX | XX | Closed | 2026-07-24 07:19 | 2026-08-20 15:05 | 2026-08-20 15:05 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Hazard Insurance
Coverage Amount of $XX is equal to or greater than Total Amount of Subject
Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence
Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see uploaded Homeowner Insurance policy with highlighted replacement cost verbiage. The uploaded current HO policy has extended replacement cost which is equivalent to H-05 policy. Please clear this condition. Thanks. - Buyer-08/XX/2026 Counter-Received documentation stating HO-5 policies are now accepted, will confirm. However, policy in file does not reflect HO-5 on form. Condition remains. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. hoi policy - Buyer-08/XX/2026 Open-Hazard Insurance Coverage Amount of $XX is less than Total Amount of Subject Lien(s) of $XX - Due Diligence Vendor-07/XX/2026 |
Resolved-Hazard Insurance
Coverage Amount of $XX is equal to or greater than Total Amount of Subject
Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence
Vendor-08/XX/2026 |
XX | AZ | Primary Residence | Refinance | Cash Out - Other | 10446977 | N/A | N/A | |||||
| 425 | XX | XX | XX | Closed | 2026-08-10 14:02 | 2026-09-01 11:26 | 2026-09-01 11:26 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Document
Uploaded. Verification of LLC in active status received - Due Diligence
Vendor-09/XX/2026 Counter-Reviewed lender's response regarding age of document; however, evidence of good standing needs to be dated within 120 days of the Note. Finding remains - Due Diligence Vendor-08/XX/2026 Ready for Review-Per Underwriting Management, there is no requirement for the evidence of LLC in good standing to be within 90 days. - Buyer-08/XX/2026 Open-Evidence of Good Standing in file is dated 03-XX-2026 and note is dated 07-XX-2026. Document age of days exceeds guidelines. - Due Diligence Vendor-08/XX/2026 Ready for Review-Per Underwriter There is no 90-day age document for this, no timeline required. Cert of good standing confirms it was effective as of 3/17 which is sufficient to clear this condition - Buyer-08/XX/2026 Open-Evidence of Good Standing in file is dated 03-XX-2026 and note is dated 07-XX-2026. Document age of days exceeds guidelines. - Due Diligence Vendor-08/XX/2026 |
Resolved-Document Uploaded.
Verification of LLC in active status received - Due Diligence
Vendor-09/XX/2026 |
XX | TX | Investment | Refinance | Cash Out - Other | 10717077 | N/A | N/A | |||||
| 425 | XX | XX | XX | Closed | 2026-08-11 17:43 | 2026-09-01 11:25 | 2026-08-20 15:21 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached Business Purpose - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | TX | Investment | Refinance | Cash Out - Other | 10749749 | N/A | N/A | |||||
| 427 | XX | XX | XX | Closed | 2026-09-02 06:19 | 2026-09-02 06:19 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2026 |
NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 11163577 | Investor Post-Close | No | |||||||
| 433 | XX | XX | XX | Closed | 2026-09-03 08:07 | 2026-09-10 14:23 | 2026-09-10 14:23 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided
E-consent trail for the initial CD.
Condition resolved. - Due Diligence Vendor-09/XX/2026 Resolved-Resolved - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please find attached CD audit trail - Buyer-09/XX/2026 Open-The Initial Closing Disclosure was provided on (2026-XX-17) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2026-XX-20). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2026-XX-20), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20260813), for consummation to occur on (2026-XX-20). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Missing evidence of all vested owners in receipt of initial Closing Disclosure 3 business days prior to consummation as required on all rescindable transactions. The initial Closing Disclosure is dated 08/XX/2026 and the date of consummation is 08/XX/2026. Initial CD was not acknowledged by the non-borrowing spouse/title holder. When factoring mailbox rule/presumed receipt, the timing requirement to consummation is not met. No Cure. NOTE: If initial CD was e-signed by non-borrowing spouse/title holder, Lender to provide E-Consent as well. - Due Diligence Vendor-09/XX/2026 Open-XX- Due Diligence Vendor-09/XX/2026 |
Resolved-Lender provided
E-consent trail for the initial CD.
Condition resolved. - Due Diligence Vendor-09/XX/2026 Resolved-Resolved - Due Diligence Vendor-09/XX/2026 |
XX | OH | Primary Residence | Refinance | Cash Out - Other | 11194034 | N/A | N/A | |||||
| 436 | XX | XX | XX | Closed | 2026-09-01 12:10 | 2026-09-08 12:50 | 2026-09-08 12:50 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2
Executed 4506-T Provided. condition resolved. - Due Diligence
Vendor-09/XX/2026 Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please find attached 4506 forms - Buyer-09/XX/2026 Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-09/XX/2026 |
Resolved-Borrower 2
Executed 4506-T Provided. condition resolved. - Due Diligence
Vendor-09/XX/2026 Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/XX/2026 |
XX | GA | Investment | Purchase | NA | 11148650 | N/A | N/A | |||||
| 436 | XX | XX | XX | Closed | 2026-09-01 12:10 | 2026-09-08 12:50 | 2026-09-08 12:50 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1
Executed 4506-T Provided. condition resolved. - Due Diligence
Vendor-09/XX/2026 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please find attached 4506 forms - Buyer-09/XX/2026 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-09/XX/2026 |
Resolved-Borrower 1
Executed 4506-T Provided. condition resolved. - Due Diligence
Vendor-09/XX/2026 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-09/XX/2026 |
XX | GA | Investment | Purchase | NA | 11148649 | N/A | N/A | |||||
| 437 | XX | XX | XX | Closed | 2026-08-18 15:25 | 2026-08-18 15:25 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
MA | Primary Residence | Purchase | NA | 10877060 | Investor Post-Close | No | |||||||
| 440 | XX | XX | XX | Closed | 2026-08-11 12:24 | 2026-08-20 15:01 | 2026-08-20 15:01 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Missing | Resolved-Signed final Note
provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see uploaded Note - Buyer-08/XX/2026 Open-The Note is Missing The Note document is missing - Due Diligence Vendor-08/XX/2026 |
Resolved-Signed final Note
provided - Due Diligence Vendor-08/XX/2026 |
XX | KY | Investment | Purchase | NA | 10744530 | N/A | N/A | |||||
| 440 | XX | XX | XX | Closed | 2026-08-11 12:19 | 2026-08-11 12:19 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
KY | Investment | Purchase | NA | 10744438 | Investor Post-Close | No | |||||||
| 444 | XX | XX | XX | Closed | 2026-08-20 07:11 | 2026-09-03 10:16 | 2026-09-03 10:16 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please find attached Business purpose - Buyer-09/XX/2026 Counter-Reviewed Lender's response indicating the document is not needed if loan closed in an individual's name and not in an entity name. Business purpose loans are required for all loans closed as business purpose. Finding remains - Due Diligence Vendor-08/XX/2026 Ready for Review-Per Management IF 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. - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-09/XX/2026 |
XX | NJ | Investment | Purchase | NA | 10919979 | N/A | N/A | |||||
| 446 | XX | XX | XX | Closed | 2026-08-12 11:20 | 2026-08-17 10:11 | 2026-08-17 10:11 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached business purpose cert. - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | FL | Investment | Purchase | NA | 10767959 | N/A | N/A | |||||
| 447 | XX | XX | XX | Closed | 2026-08-11 15:13 | 2026-08-13 16:11 | 2026-08-13 16:11 | Resolved | 1 - Information | Credit | Missing Doc | Missing Rental Income Documentation for REO | Resolved-Lender provided
the missing property tax document - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached tax for XX . - Buyer-08/XX/2026 Open-Missing Rental Income Documentation for REO listed on the application. Tax information document is missing for property- XX - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
the missing property tax document - Due Diligence Vendor-08/XX/2026 |
XX | IA | Primary Residence | Purchase | NA | 10748523 | N/A | N/A | |||||
| 453 | XX | XX | XX | Closed | 2026-09-04 09:12 | 2026-09-04 09:12 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2026 |
NY | Investment | Refinance | No Cash Out - Borrower Initiated | 11221033 | Investor Post-Close | No | |||||||
| 455 | XX | XX | XX | Closed | 2026-09-01 11:13 | 2026-09-02 14:15 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Secondary valuation supports the Primary Valuation, secondary product within tolerance. - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. Secondary valuation
supports the Primary Valuation, secondary product within tolerance. - Due
Diligence Vendor-09/XX/2026 |
MI | Primary Residence | Refinance | Cash Out - Other | 11146903 | Investor Post-Close | No | |||||||
| 458 | XX | XX | XX | Closed | 2026-09-01 08:46 | 2026-09-02 13:18 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. secondary product within tolerance - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. secondary product within
tolerance - Due Diligence Vendor-09/XX/2026 |
NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 11140989 | Investor Post-Close | No | |||||||
| 461 | XX | XX | XX | Closed | 2026-08-26 09:37 | 2026-10-28 09:26 | 2026-08-31 15:16 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached business purpose - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | TN | Investment | Purchase | NA | 11036769 | N/A | N/A | |||||
| 464 | XX | XX | XX | Closed | 2026-08-19 11:09 | 2026-08-26 13:15 | 2026-08-26 13:15 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached Business Purpose - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit is Missing in file. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | MI | Investment | Purchase | NA | 10897579 | N/A | N/A | |||||
| 470 | XX | XX | XX | Closed | 2026-08-04 13:30 | 2026-08-26 07:39 | 2026-08-26 07:39 | Resolved | 1 - Information | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-XX-6 Insurance
Policy Effective Date of 07-XX-2026 is prior to or equal to the Note Date of
07-XX-2026. Resolved. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached policy with effective date 07-XX-2026 - Buyer-08/XX/2026 Counter-Received email confirming policy effective date change and new policy. New policy info required, please provide declaration page. Condition remains. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached HOI Confirmation of effective date of 07/27 - Buyer-08/XX/2026 Open-XX-6 Insurance Policy Effective Date of 07-XX-2026 is after the Note Date of 07-XX-2026 Need valid HO-6 Insurance Policy - Effective Date of policy 07-XX-2026 is after the Note Date of 07-XX-2026 - Due Diligence Vendor-08/XX/2026 |
Resolved-HO-6 Insurance
Policy Effective Date of 07-XX-2026 is prior to or equal to the Note Date of
07-XX-2026. Resolved. - Due Diligence Vendor-08/XX/2026 |
XX | IL | Primary Residence | Purchase | NA | 10623080 | N/A | N/A | |||||
| 474 | XX | XX | XX | Closed | 2026-08-19 08:52 | 2026-09-02 09:20 | 2026-09-02 09:20 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please see attached business purpose cert. - Buyer-09/XX/2026 Counter-Business purpose cert was not attached to condition. Please re-upload. - Due Diligence Vendor-08/XX/2026 Ready for Review-Please see attached business purpose cert. - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose and Occupancy Affidavit is not available - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-09/XX/2026 |
XX | OH | Investment | Purchase | NA | 10893202 | N/A | N/A | |||||
| 474 | XX | XX | XX | Closed | 2026-08-20 13:28 | 2026-08-27 10:47 | 2026-08-27 10:47 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Documentation for
outstanding VOM histories received. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see the attached note and bank statements which are in the file to document the payment history for property XX. Also please see the attached note for the purchase of property XX which closed on 8/XX/2026 so there have been no required payments on that loan at this time. - Buyer-08/XX/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. 1003 application indicates REO properties #3d and #3e with new mortgages with the lender. Copies of the Notes and payment histories for these properties are missing. - Due Diligence Vendor-08/XX/2026 |
Resolved-Documentation for
outstanding VOM histories received. - Due Diligence Vendor-08/XX/2026 |
XX | OH | Investment | Purchase | NA | 10930208 | N/A | N/A | |||||
| 476 | XX | XX | XX | Closed | 2026-08-19 13:23 | 2026-08-31 15:17 | 2026-08-31 15:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached business purpose for both borrowers - Buyer-08/XX/2026 Counter-Received Business Purpose Affidavit for B2; however, the Business Purpose Affidavit for B1 is still missing. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find Business purpose attached - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit document is missing. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | PA | Investment | Refinance | Cash Out - Other | 10900479 | N/A | N/A | |||||
| 478 | XX | XX | XX | Closed | 2026-08-07 11:00 | 2026-08-18 11:05 | 2026-08-18 11:05 | Resolved | 1 - Information | Credit | Missing Doc | Final HUD/Settlement Statement Not Provided | Resolved-Received signed
closing statement showing $XX borrower wire, $XX wire receipt confirmation,
and $XX note from Original Purchase. Resolved. - Due Diligence
Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached signed closing statement showing $XX borrower wire, $XX wire receipt confirmation, and $XX note from Original Purchase transaction of the subject property. - Buyer-08/XX/2026 Counter-Requesting the HUD-1/settlement statement from the purchase of the subject property showing that the debt was incurred for the purchase of the subject property. - Due Diligence Vendor-08/XX/2026 Ready for Review-Please clarify what is missing. The $XX debt is listed on page 3 of the disbursment ledger. Standard settlement statement are not used in the state of NY. - Buyer-08/XX/2026 Counter-The final HUD/Settlement Statement is missing. Provide the final HUD/Settlement statement from the purchase of the subject property showing the debt being paid with the subject loan was acquired at the time of purchase. Condition remains. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached disbursement ledger from the closing attorney. - Buyer-08/XX/2026 Open-The final HUD/Settlement Statement is missing. Provide the final HUD/Settlement statement from the purchase of the subject property showing the debt being paid with the subject loan was acquired at the time of purchase. If the debt was acquired after the purchase, the subject loan should be considered a cash-out refinance. - Due Diligence Vendor-08/XX/2026 |
Resolved-Received signed
closing statement showing $XX borrower wire, $XX wire receipt confirmation,
and $XX note from Original Purchase. Resolved. - Due Diligence
Vendor-08/XX/2026 |
XX | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10688719 | N/A | N/A | |||||
| 482 | XX | XX | XX | Closed | 2026-09-02 11:41 | 2026-09-02 11:41 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2026 |
AZ | Investment | Refinance | Cash Out - Other | 11171318 | Investor Post-Close | No | |||||||
| 486 | XX | XX | XX | Closed | 2026-08-04 15:11 | 2026-08-12 11:15 | 2026-08-12 11:15 | Resolved | 1 - Information | Compliance | Mavent | License: Loan Originator | Resolved-Confirmed per
NMLS XX works for the company effective 07/2007 to present. Resolved. - Due
Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please provide clarification as this is showing as XX works for the company. - Buyer-08/XX/2026 Open-A relationship between XX (NMLS ID: XX) and the company (Company NMLS ID: XX) does not exist in the NMLS Consumer Access as of 2026-XX-24. Arelationshipbetween XX (NMLSID:XX)andthecompany(CompanyNMLSID:XX) doesnotexistintheNMLSConsumerAccessasof2026-XX-24 - Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 |
Resolved-Confirmed per NMLS
XX works for the company effective 07/2007 to present. Resolved. - Due
Diligence Vendor-08/XX/2026 |
XX | NY | Primary Residence | Purchase | NA | 10625014 | N/A | N/A | |||||
| 490 | XX | XX | XX | Closed | 2026-08-04 14:23 | 2026-08-21 12:14 | 2026-08-21 12:14 | Resolved | 1 - Information | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Lender provided
bank statements for April and May with XX, which was used for qualifying.
condition resolved. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. The bank statements for April & May 2026 for acct #XX are attached. - Buyer-08/XX/2026 Counter-Lender provided bank statements for 05/23 to 06/XX/26 with XX for deposit of 102,001.56 and 04/XX/26 to 05/XX/2026 for deposit of 544812.10. XX was used to qualify the borrower. Even with the income spreadsheet included shows 01-Jun-2026 30-Jun-2026 $ 139,616.20 and 2 01-May-2026 31-May-2026 $ 139,793.42, which XX was used. condition remains. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. The two statements in question are attached and match account number wise and to the income worksheet . - Buyer-08/XX/2026 Counter-Missing bank-statement reflecting May 2026 deposits of $139,793.42 and April 2026 of $190,186.47. Bank statement provided reflects a different account number that UW used per worksheet. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. may and april 2026 bank statements - Buyer-08/XX/2026 Open-Evidence to verify Bank statement Income for the month of (May/2026 And April/2026) is missing - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
bank statements for April and May with XX, which was used for qualifying.
condition resolved. - Due Diligence Vendor-08/XX/2026 |
XX | NV | Investment | Refinance | No Cash Out - Borrower Initiated | 10624078 | N/A | N/A | |||||
| 493 | XX | XX | XX | Closed | 2026-08-20 00:53 | 2026-09-03 11:12 | 2026-09-03 11:12 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Lender provided
updated Driver license for B1. condition resolved. - Due Diligence
Vendor-09/XX/2026 Resolved-Borrower photo ID expiration date is 07-XX-2027 and note is dated 08-XX-2026. - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please find attached drivers license - Buyer-09/XX/2026 Open-Borrower photo ID expiration date is 07-XX-2026 and note is dated 08-XX-2026. Borrower 1 Photo ID is expired - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
updated Driver license for B1. condition resolved. - Due Diligence
Vendor-09/XX/2026 Resolved-Borrower photo ID expiration date is 07-XX-2027 and note is dated 08-XX-2026. - Due Diligence Vendor-09/XX/2026 |
XX | FL | Primary Residence | Purchase | NA | 10914272 | N/A | N/A | |||||
| 496 | XX | XX | XX | Closed | 2026-08-04 12:17 | 2026-08-04 12:17 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
NY | Primary Residence | Purchase | NA | 10621191 | Investor Post-Close | No | |||||||
| 503 | XX | XX | XX | Closed | 2026-08-18 06:13 | 2026-08-24 10:18 | 2026-08-24 10:18 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is
not Missing - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see uploaded title report - Buyer-08/XX/2026 Open-Title Document is missing Title Report Missing - Due Diligence Vendor-08/XX/2026 |
Resolved-Title Document is
not Missing - Due Diligence Vendor-08/XX/2026 |
XX | LA | Investment | Purchase | NA | 10864182 | N/A | N/A | |||||
| 503 | XX | XX | XX | Closed | 2026-08-18 07:07 | 2026-08-20 14:28 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 715 is less than Guideline FICO of 720. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/XX/2026 | Waived-Audited FICO of 715
is less than Guideline FICO of 720. Lender provided approved exception dated
prior to consummation and all lender compensating factors have been
documented and validated. - Due Diligence Vendor-08/XX/2026 |
DSCR 1.16 vs 1.0 guideline $34k in reserves (10 months subject) vs $20,670 required (verified Qualifying Total Reserves Number of Months 15.18). Seasoned investor with 11 mortgages in the credit history all paid as agreed, no lates on any tradeline on credit. (Verified from credit report - 1859 page.) |
LA | Investment | Purchase | NA | 10865007 | Originator Pre-Close | Yes | ||||||
| 505 | XX | XX | XX | Closed | 2026-09-02 19:06 | 2026-09-02 19:06 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of 07/XX/2026is after the Primary Appraisal Delivery Date of 07/XX/2026 - Due Diligence Vendor-09/XX/2026 | Acknowledged-ECOA
Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA:
Most Recent Primary Appraisal Date of 07/XX/2026is after the Primary
Appraisal Delivery Date of 07/XX/2026 - Due Diligence Vendor-09/XX/2026 |
NV | Investment | Purchase | NA | 11183622 | Investor Post-Close | No | |||||||
| 513 | XX | XX | XX | Closed | 2026-08-05 13:39 | 2026-08-12 11:38 | 2026-08-12 11:38 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Questionnaire | Resolved-Condo
Questionnaire received. Resolved. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached Condo Questionnaire - Buyer-08/XX/2026 Open- The Condo Questionnaire is missing from the loan file. Additional conditions may apply. The Condo Questionnaire is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-08/XX/2026 |
Resolved-Condo
Questionnaire received. Resolved. - Due Diligence Vendor-08/XX/2026 |
XX | HI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10646685 | N/A | N/A | |||||
| 518 | XX | XX | XX | Closed | 2026-08-12 11:30 | 2026-08-17 09:14 | 2026-08-17 09:14 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see uploaded Business Purpose - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | CA | Investment | Refinance | Cash Out - Other | 10768347 | N/A | N/A | |||||
| 522 | XX | XX | XX | Closed | 2026-08-04 15:22 | 2026-08-04 15:24 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of 07/XX/2026 is after the Primary Appraisal Delivery Date of 07/XX/2026. - Due Diligence Vendor-08/XX/2026 | IL | Primary Residence | Purchase | NA | 10625270 | Investor Post-Close | No | ||||||||
| 527 | XX | XX | XX | Closed | 2026-08-20 11:05 | 2026-08-31 15:20 | 2026-08-31 15:20 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached Business purpose for both borrowers - Buyer-08/XX/2026 Counter-Received Business Purpose Affidavit for B2 but document signed by B1 still missing. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find Business purpose attached - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit as required. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | MI | Investment | Refinance | Cash Out - Other | 10925754 | N/A | N/A | |||||
| 529 | XX | XX | XX | Closed | 2026-08-24 07:57 | 2026-08-31 10:48 | 2026-08-31 10:48 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached business purpose certificate. - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | CA | Investment | Purchase | NA | 10979816 | N/A | N/A | |||||
| 532 | XX | XX | XX | Closed | 2026-08-18 15:46 | 2026-09-08 12:37 | 2026-09-08 12:37 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall - Replacement Cost Provided | Resolved-Lender provided
RCE showing sufficient coverage. condition resolved - Due Diligence
Vendor-09/XX/2026 Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please find attached RCE with coverage greater than or equal to the coverage listed on the HOI Policy - Buyer-09/XX/2026 Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XX - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
RCE showing sufficient coverage. condition resolved - Due Diligence
Vendor-09/XX/2026 Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-09/XX/2026 |
XX | CA | Primary Residence | Purchase | NA | 10877410 | N/A | N/A | |||||
| 535 | XX | XX | XX | Closed | 2026-08-04 13:37 | 2026-08-12 11:35 | 2026-08-12 11:35 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Borrower photo ID
expiration date is 07-XX-2030 and note is dated 07-XX-2026. - Due Diligence
Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached Identification with valid expiration date - Buyer-08/XX/2026 Open-Borrower photo ID expiration date is 07-XX-2025 and note is dated 07-XX-2026. - Due Diligence Vendor-08/XX/2026 |
Resolved-Borrower photo ID
expiration date is 07-XX-2030 and note is dated 07-XX-2026. - Due Diligence
Vendor-08/XX/2026 |
XX | CA | Primary Residence | Refinance | Cash Out - Other | 10623193 | N/A | N/A | |||||
| 535 | XX | XX | XX | Closed | 2026-08-04 13:37 | 2026-08-12 11:35 | 2026-08-12 11:35 | Resolved | 1 - Information | Credit | Closing | Borrower 2 Photo ID is expired | Resolved-Borrower 2 photo
ID expiration date is 09-XX-2030 and note is dated 07-XX-2026. - Due
Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached ID with valid expiration date - Buyer-08/XX/2026 Open-Borrower 2 photo ID expiration date is 09-XX-2025 and note is dated 07-XX-2026. - Due Diligence Vendor-08/XX/2026 |
Resolved-Borrower 2 photo
ID expiration date is 09-XX-2030 and note is dated 07-XX-2026. - Due
Diligence Vendor-08/XX/2026 |
XX | CA | Primary Residence | Refinance | Cash Out - Other | 10623194 | N/A | N/A | |||||
| 536 | XX | XX | XX | Closed | 2026-09-01 15:43 | 2026-09-01 15:43 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2026 |
MI | Primary Residence | Purchase | NA | 11153136 | Investor Post-Close | No | |||||||
| 552 | XX | XX | XX | Closed | 2026-08-11 13:38 | 2026-08-11 13:38 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
AZ | Primary Residence | Purchase | NA | 10746144 | Originator Post-Close | No | |||||||
| 554 | XX | XX | XX | Closed | 2026-08-12 13:40 | 2026-10-28 08:38 | 2026-08-17 09:12 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached Business Purpose Affidavit - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | MI | Investment | Purchase | NA | 10771601 | N/A | N/A | |||||
| 558 | XX | XX | XX | Closed | 2026-08-19 08:23 | 2026-10-28 05:56 | 2026-08-31 10:43 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified
Assets for Reserves Post-Close of $62377.73 is equal to or greater than Total
Required Reserve Amount of $37164.18 - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached wire receipt for the gift funds. - Seller-08/XX/2026 Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $37164.18 Missing evidence of receipt of gift funds for $322,000. - Due Diligence Vendor-08/XX/2026 |
Ready for Review-Document
Uploaded. Please see attached wire receipt for the gift funds. -
Seller-08/XX/2026 |
Resolved-Total Qualified
Assets for Reserves Post-Close of $XX is equal to or greater than Total
Required Reserve Amount of $XX - Due Diligence Vendor-08/XX/2026 |
XX | GA | Investment | Purchase | NA | 10892593 | N/A | N/A | ||||
| 558 | XX | XX | XX | Closed | 2026-08-19 08:23 | 2026-10-28 05:56 | 2026-08-31 10:43 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Sufficient asset
documentation provided. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached wire receipt for the gift funds. - Investor-08/XX/2026 Open-Insufficient asset documentation in file - assets do not cover closing costs. Missing evidence of receipt of gift funds for $322,000. - Due Diligence Vendor-08/XX/2026 |
Resolved-Sufficient asset
documentation provided. - Due Diligence Vendor-08/XX/2026 |
XX | GA | Investment | Purchase | NA | 10892594 | N/A | N/A | |||||
| 558 | XX | XX | XX | Closed | 2026-08-20 13:12 | 2026-08-31 10:46 | 2026-08-31 10:46 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Evidence of gift
funds received and sufficient reserves verified. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached wire receipt for the gift funds. - Buyer-08/XX/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves of 0 months are less than Guideline Required Reserves of 6 months - Due Diligence Vendor-08/XX/2026 |
Resolved-Evidence of gift
funds received and sufficient reserves verified. - Due Diligence Vendor-08/XX/2026 |
XX | GA | Investment | Purchase | NA | 10929711 | N/A | N/A | |||||
| 558 | XX | XX | XX | Closed | 2026-08-19 09:43 | 2026-08-26 14:09 | 2026-08-26 14:09 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached business purpose cert. - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit is missing in file. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | GA | Investment | Purchase | NA | 10894765 | N/A | N/A | |||||
| 558 | XX | XX | XX | Closed | 2026-08-18 12:51 | 2026-08-18 12:51 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
GA | Investment | Purchase | NA | 10873450 | Investor Post-Close | No | |||||||
| 561 | XX | XX | XX | Closed | 2026-08-04 14:22 | 2026-10-29 11:46 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
FL | Primary Residence | Purchase | NA | 10624068 | Investor Post-Close | No | |||||||
| 566 | XX | XX | XX | Closed | 2026-09-04 13:39 | 2026-09-10 14:12 | 2026-09-10 14:12 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Lender provided
the Business Purpose Affidavit.
Condition Resolved. - Due Diligence Vendor-09/XX/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please see attached business purpose cert. - Buyer-09/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-09/XX/2026 |
Resolved-Lender provided
the Business Purpose Affidavit.
Condition Resolved. - Due Diligence Vendor-09/XX/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-09/XX/2026 |
XX | FL | Investment | Purchase | NA | 11229383 | N/A | N/A | |||||
| 568 | XX | XX | XX | Closed | 2026-08-11 09:47 | 2026-08-11 09:47 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
MI | Primary Residence | Refinance | Cash Out - Other | 10739403 | Originator Pre-Close | Yes | |||||||
| 573 | XX | XX | XX | Closed | 2026-08-17 08:52 | 2026-08-17 08:52 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 10846666 | Investor Post-Close | No | |||||||
| 581 | XX | XX | XX | Closed | 2026-09-04 14:29 | 2026-10-28 09:23 | 2026-09-10 13:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Lender provided
the Business Purpose Affidavit.
Condition resolved. - Due Diligence Vendor-09/XX/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please find Business Purpose attached - Buyer-09/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-09/XX/2026 |
Resolved-Lender provided
the Business Purpose Affidavit.
Condition resolved. - Due Diligence Vendor-09/XX/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-09/XX/2026 |
XX | FL | Investment | Purchase | NA | 11230374 | N/A | N/A | |||||
| 582 | XX | XX | XX | Closed | 2026-08-06 12:48 | 2026-08-26 08:04 | 2026-08-26 08:04 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance
Effective Date of 07-XX-2026 is prior to or equal to the Disbursement Date of
07-XX-2026 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence
Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached policy. - Buyer-08/XX/2026 Open-Hazard Insurance Effective Date of 07-XX-2026 is after the Disbursement Date of 07-XX-2026 - Due Diligence Vendor-08/XX/2026 |
Resolved-Hazard Insurance
Effective Date of 07-XX-2026 is prior to or equal to the Disbursement Date of
07-XX-2026 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence
Vendor-08/XX/2026 |
XX | WA | Primary Residence | Purchase | NA | 10669719 | N/A | N/A | |||||
| 583 | XX | XX | XX | Closed | 2026-08-18 12:08 | 2026-10-27 14:03 | 2026-09-03 12:14 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Lender provided
Settlement Statement for property being sold with proceeds of $XX with LOX
from the Title company that they don't stamp Final or have it signed or dated
by the borrowers. condition resolved. - Due Diligence Vendor-09/XX/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $XX is equal to or greater than Total Required Reserve Amount of $XX - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please see attached seller CD, settlement statement and explanation from title. - Investor-09/XX/2026 Open-Total Qualified Assets for Reserves Post-Close of $XX is less than Total Required Reserve Amount of $XX Proceeds from Real Estate Property is $XX as per lender document pg#554 and as per seller CD shows is shows $XX as per pg#500. The shortage is caused due to difference between lender document and seller CD. - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
Settlement Statement for property being sold with proceeds of $XX with LOX
from the Title company that they don't stamp Final or have it signed or dated
by the borrowers. condition resolved. - Due Diligence Vendor-09/XX/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $XX is equal to or greater than Total Required Reserve Amount of $51403.68 - Due Diligence Vendor-09/XX/2026 |
XX | CA | Primary Residence | Purchase | NA | 10872288 | N/A | N/A | |||||
| 583 | XX | XX | XX | Closed | 2026-08-18 12:17 | 2026-10-27 14:03 | 2026-10-27 14:03 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk -
Current Income or Current Assets were considered - Due Diligence
Vendor-10/XX/2026 Resolved-Lender provided Settlement Statement for property being sold with proceeds of $XX with LOX from the Title company that they don't stamp Final or have it signed or dated by the borrowers. condition resolved. - Due Diligence Vendor-09/XX/2026 Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender provided Settlement Statement for property being sold with proceeds of $XX with LOX from the Title company that they don't stamp Final or have it signed or dated by the borrowers. condition resolved. - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please see attached seller CD, settlement statement and explanation from title. - Buyer-09/XX/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Proceeds from Real Estate Property is $XX as per lender document pg#554 and as per seller CD shows is shows $XX as per pg#500. The shortage is caused due to difference between lender document and seller CD. - Due Diligence Vendor-08/XX/2026 |
Resolved-ATR Risk - Current
Income or Current Assets were considered - Due Diligence Vendor-10/XX/2026
Resolved-Lender provided Settlement Statement for property being sold with proceeds of $XX with LOX from the Title company that they don't stamp Final or have it signed or dated by the borrowers. condition resolved. - Due Diligence Vendor-09/XX/2026 Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender provided Settlement Statement for property being sold with proceeds of $XX with LOX from the Title company that they don't stamp Final or have it signed or dated by the borrowers. condition resolved. - Due Diligence Vendor-09/XX/2026 |
XX | CA | Primary Residence | Purchase | NA | 10872487 | N/A | N/A | |||||
| 583 | XX | XX | XX | Closed | 2026-08-18 08:40 | 2026-09-03 12:14 | 2026-09-03 12:14 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Lender provided
Settlement Statement for property being sold with proceeds of $XX with LOX
from the Title company that they don't stamp Final or have it signed or dated
by the borrowers. condition resolved. - Due Diligence Vendor-09/XX/2026 Resolved-Audited Reserves of 6.35 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please see attached seller CD, settlement statement and explanation from title. - Investor-09/XX/2026 Open-Audited Reserves of 5.61 month(s) are less than Guideline Required Reserves of 6 month(s) Proceeds from Real Estate Property is $XX as per lender document pg#554 and as per seller CD shows is shows $XX as per pg#500. The shortage is caused due to difference between lender document and seller CD. - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
Settlement Statement for property being sold with proceeds of $XX with LOX
from the Title company that they don't stamp Final or have it signed or dated
by the borrowers. condition resolved. - Due Diligence Vendor-09/XX/2026 Resolved-Audited Reserves of 6.35 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-09/XX/2026 |
XX | CA | Primary Residence | Purchase | NA | 10866634 | N/A | N/A | |||||
| 584 | XX | XX | XX | Closed | 2026-08-12 17:01 | 2026-08-17 10:22 | 2026-08-17 10:22 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached business purpose cert. - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | PA | Investment | Purchase | NA | 10776433 | N/A | N/A | |||||
| 588 | XX | XX | XX | Closed | 2026-08-06 10:42 | 2026-08-21 09:02 | 2026-08-21 09:02 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Received COC and
audit trail. Condition cleared. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached 07-XX COC, CD and proof of delivery. - Investor-08/XX/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($3,857.00). The actual total fee amount shows a credit amount of ($1,263.09). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender Credits Decreased but no Valid COC in file - Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 |
Resolved-Received COC and
audit trail. Condition cleared. - Due Diligence Vendor-08/XX/2026 |
XX | NH | Primary Residence | Purchase | NA | 10667258 | N/A | N/A | |||||
| 588 | XX | XX | XX | Closed | 2026-08-06 10:42 | 2026-08-21 09:02 | 2026-08-21 09:02 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Received COC and
audit trail. Condition cleared. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached 07-XX COC, CD and proof of delivery. - Investor-08/XX/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($3,857.00). The Last CD shows a total lender credit amount of ($1,263.09). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender Credits Decreased but no Valid COC in file - Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 |
Resolved-Received COC and
audit trail. Condition cleared. - Due Diligence Vendor-08/XX/2026 |
XX | NH | Primary Residence | Purchase | NA | 10667257 | N/A | N/A | |||||
| 588 | XX | XX | XX | Closed | 2026-08-04 18:47 | 2026-08-13 15:57 | 2026-08-13 15:57 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Lender provided
the credit report - Due Diligence Vendor-08/XX/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-08/XX/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Credit report missing - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
the credit report - Due Diligence Vendor-08/XX/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-08/XX/2026 |
NH | Primary Residence | Purchase | NA | 10627787 | N/A | N/A | ||||||
| 588 | XX | XX | XX | Closed | 2026-08-04 14:52 | 2026-08-13 15:57 | 2026-08-13 15:57 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Lender provided
the credit report - Due Diligence Vendor-08/XX/2026 Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached credit report. - Investor-08/XX/2026 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
the credit report - Due Diligence Vendor-08/XX/2026 Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-08/XX/2026 |
XX | NH | Primary Residence | Purchase | NA | 10624634 | N/A | N/A | |||||
| 588 | XX | XX | XX | Closed | 2026-08-04 14:52 | 2026-08-13 15:56 | 2026-08-13 15:56 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Lender provided
the credit report - Due Diligence Vendor-08/XX/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached credit report. - Buyer-08/XX/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
the credit report - Due Diligence Vendor-08/XX/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-08/XX/2026 |
XX | NH | Primary Residence | Purchase | NA | 10624633 | N/A | N/A | |||||
| 595 | XX | XX | XX | Closed | 2026-08-13 09:27 | 2026-08-14 13:01 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Provided valuation reports are within tolerance. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. Provided valuation
reports are within tolerance. - Due Diligence Vendor-08/XX/2026 |
FL | Investment | Purchase | NA | 10788009 | Investor Post-Close | No | |||||||
| 602 | XX | XX | XX | Closed | 2026-08-19 11:12 | 2026-08-24 10:13 | 2026-08-24 10:13 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see uploaded Business Purpose - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit is Missing in file. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | MO | Investment | Purchase | NA | 10897618 | N/A | N/A | |||||
| 619 | XX | XX | XX | Closed | 2026-08-13 14:49 | 2026-08-13 14:49 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-08/XX/2026 |
CO | Primary Residence | Refinance | Cash Out - Other | 10796538 | Investor Post-Close | No | |||||||
| 625 | XX | XX | XX | Closed | 2026-08-06 15:42 | 2026-08-26 15:00 | 2026-08-26 15:00 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Final CD for
subject property reflects transaction is cash-out but was originally captured
as requiring cash from the borrower. Cash-out sufficient for reserves,
finding resolved. - Due Diligence Vendor-08/XX/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $106424.03 is equal to or greater than Total Required Reserve Amount of $45617.34 - Due Diligence Vendor-08/XX/2026 Ready for Review-Per Underwriting, our published guidance does state... Cash proceeds from the transaction may be used for reserves - Investor-08/XX/2026 Counter-Per guidelines, cash in hand is not an acceptable source of assets. Provide documentation supporting the $35,000 cash utilized in determining the reserves available. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see asset worksheet as the borrower received CASH in hand to cover the noted shortage - Buyer-08/XX/2026 Open-Total Qualified Assets for Reserves Post-Close of $20811.46 is less than Total Required Reserve Amount of $45617.34 Assets of 106,424.03 are not sufficient for funds to close $85,612.57 and reserves of $45,617.34. Assets are short by $24,805.87. - Due Diligence Vendor-08/XX/2026 |
Resolved-Final CD for
subject property reflects transaction is cash-out but was originally captured
as requiring cash from the borrower. Cash-out sufficient for reserves,
finding resolved. - Due Diligence Vendor-08/XX/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $106424.03 is equal to or greater than Total Required Reserve Amount of $45617.34 - Due Diligence Vendor-08/XX/2026 |
XX | CA | Investment | Refinance | Cash Out - Other | 10673815 | N/A | N/A | |||||
| 625 | XX | XX | XX | Closed | 2026-08-06 15:51 | 2026-08-26 14:59 | 2026-08-26 14:59 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Final CD for
subject property reflects transaction is cash-out but was originally captured
as requiring cash from the borrower. Cash-out sufficient for reserves,
finding resolved. - Due Diligence Vendor-08/XX/2026 Resolved-Audited Reserves of 14 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-08/XX/2026 Ready for Review-Per Underwriting, Our published guidance does state... Cash proceeds from the transaction may be used for reserves - Buyer-08/XX/2026 Counter-Per guidelines, cash in hand is not an acceptable source of assets. Provide documentation supporting the $35,000 cash utilized in determining the reserves available. - Due Diligence Vendor-08/XX/2026 Ready for Review-Per guidelines, cash in hand is not an acceptable source of assets. Provide documentation supporting the $35,000 cash utilized in determining the reserves available. - Due Diligence Vendor-08/XX/2026 Ready for Review-Please see asset worksheet as the borrower received CASH in hand to cover the noted shortage - Investor-08/XX/2026 Open-Audited Reserves of 2.74 month(s) are less than Guideline Required Reserves of 6 month(s) Assets of 106,424.03 are not sufficient for funds to close $85,612.57 and reserves of $45,617.34. Assets are short by $24,805.87. - Due Diligence Vendor-08/XX/2026 |
Resolved-Final CD for
subject property reflects transaction is cash-out but was originally captured
as requiring cash from the borrower. Cash-out sufficient for reserves,
finding resolved. - Due Diligence Vendor-08/XX/2026 Resolved-Audited Reserves of 14 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-08/XX/2026 |
XX | CA | Investment | Refinance | Cash Out - Other | 10673954 | N/A | N/A | |||||
| 625 | XX | XX | XX | Closed | 2026-08-06 15:25 | 2026-08-17 09:02 | 2026-08-17 09:02 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is
not Missing - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached title - Seller-08/XX/2026 Open-Title Document is missing - Due Diligence Vendor-08/XX/2026 |
Ready for Review-Document
Uploaded. Please find attached title - Seller-08/XX/2026 |
Resolved-Title Document is
not Missing - Due Diligence Vendor-08/XX/2026 |
XX | CA | Investment | Refinance | Cash Out - Other | 10673594 | N/A | N/A | ||||
| 626 | XX | XX | XX | Closed | 2026-08-11 14:29 | 2026-08-11 15:05 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 10747201 | Investor Post-Close | No | |||||||
| 634 | XX | XX | XX | Closed | 2026-08-24 09:08 | 2026-08-24 09:10 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
CO | Primary Residence | Purchase | NA | 10981119 | Investor Post-Close | No | |||||||
| 640 | XX | XX | XX | Closed | 2026-08-18 12:58 | 2026-08-19 05:17 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledge - Due Diligence Vendor-08/XX/2026 | TX | Primary Residence | Purchase | NA | 10873630 | Investor Post-Close | No | ||||||||
| 641 | XX | XX | XX | Closed | 2026-08-11 12:36 | 2026-08-11 12:36 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 10744872 | Investor Post-Close | No | |||||||
| 645 | XX | XX | XX | Closed | 2026-08-12 11:39 | 2026-08-17 09:16 | 2026-08-17 09:16 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see uploaded Business Purpose - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | NY | Investment | Purchase | NA | 10768634 | N/A | N/A | |||||
| 651 | XX | XX | XX | Closed | 2026-08-04 11:39 | 2026-08-21 12:01 | 2026-08-21 12:01 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided
HOI and property taxes for 3b (XX). condition resolved - Due Diligence
Vendor-08/XX/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached HOI & Taxes - Buyer-08/XX/2026 Counter-Requesting the mortgage statements proof of hazard insurance and property taxes for both liens on (XX). - Due Diligence Vendor-08/XX/2026 Ready for Review-per Underwriter, Income was provided along with income worksheet supporting the income used on this file coming from SE bank statement calculation for XX. No rental income was used for qualification. please clear - Buyer-08/XX/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements REO Financed Property(XX) document is Missing - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
HOI and property taxes for 3b (XX). condition resolved - Due Diligence
Vendor-08/XX/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/XX/2026 |
XX | AZ | Investment | Refinance | Cash Out - Other | 10620309 | N/A | N/A | |||||
| 654 | XX | XX | XX | Closed | 2026-09-02 14:15 | 2026-09-03 14:29 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2026 |
NY | Primary Residence | Purchase | NA | 11176240 | Investor Post-Close | No | |||||||
| 658 | XX | XX | XX | Closed | 2026-08-06 14:14 | 2026-09-10 13:35 | 2026-09-10 13:35 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/XX/2026 Ready for Review-XX- Due Diligence Vendor-09/XX/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please find attached verification docs for XX - Investor-09/XX/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Unable to Verify the VOE for self employed as per the Final 1003 1C for XX - Due Diligence Vendor-08/XX/2026 |
Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/XX/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/XX/2026 |
XX | CO | Second Home | Purchase | NA | 10671767 | N/A | N/A | |||||
| 658 | XX | XX | XX | Closed | 2026-08-06 14:04 | 2026-08-20 15:19 | 2026-08-20 15:19 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Condo
questionnaire provided showing monthly assessments of $1654.29 - Due
Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached condo questionnaire as per Underwriter Special assessment of $1,654.29/mo has been added to PITI. Condo questionnaire reflects a special assessment with two payments per year of $9,925.71 each. Using 19,851.42/12 = $1,654.29/mo. - Investor-08/XX/2026 Open-As per the 1008 we have other amount however unable to confirm the supporting documents. - Due Diligence Vendor-08/XX/2026 |
Resolved-Condo
questionnaire provided showing monthly assessments of $1654.29 - Due
Diligence Vendor-08/XX/2026 |
XX | CO | Second Home | Purchase | NA | 10671195 | N/A | N/A | |||||
| 658 | XX | XX | XX | Closed | 2026-08-06 14:11 | 2026-08-20 15:19 | 2026-08-20 15:19 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk -
Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence
Vendor-08/XX/2026 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Special assessment of $1,654.29/mo has been added to PITI. Condo questionnaire reflects a special assessment with two payments per year of $9,925.71 each. Using 19,851.42/12 = $1,654.29/mo. - Investor-08/XX/2026 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Supporting document missing to verify the other payment as per the 1008. - Due Diligence Vendor-08/XX/2026 |
Resolved-ATR Risk - Monthly
HOI, Taxes, Assessment payments meet requirements - Due Diligence
Vendor-08/XX/2026 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-08/XX/2026 |
XX | CO | Second Home | Purchase | NA | 10671656 | N/A | N/A | |||||
| 660 | XX | XX | XX | Closed | 2026-08-24 11:43 | 2026-09-03 10:25 | 2026-09-03 10:25 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please see attached business purpose cert. - Buyer-09/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit is missing in file. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-09/XX/2026 |
XX | IL | Investment | Purchase | NA | 10984025 | N/A | N/A | |||||
| 661 | XX | XX | XX | Closed | 2026-08-18 10:08 | 2026-08-18 10:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
CA | Primary Residence | Purchase | NA | 10869649 | Investor Post-Close | No | |||||||
| 663 | XX | XX | XX | Closed | 2026-09-02 14:01 | 2026-09-29 13:15 | 2026-09-10 12:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Lender provided
the Business Purpose Affidavit.
Condition cleared. - Due Diligence Vendor-09/XX/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please see uploaded Business Purpose - Buyer-09/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-09/XX/2026 |
Resolved-Lender provided
the Business Purpose Affidavit.
Condition cleared. - Due Diligence Vendor-09/XX/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-09/XX/2026 |
XX | GA | Investment | Refinance | Cash Out - Other | 11175933 | N/A | N/A | |||||
| 663 | XX | XX | XX | Closed | 2026-09-01 08:11 | 2026-09-01 08:24 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XX is less than the Guideline Minimum Loan Amount of $100000. However, We have - Due Diligence Vendor-09/XX/2026 | Waived-Audited Loan Amount
of $XX is less than the Guideline Minimum Loan Amount of $100000. However, We
have - Due Diligence
Vendor-09/XX/2026 |
1. Credit Score 753 product minimum 680. Verified 2. 1.50 DSCR product minimum 1.00. Verified 3. Reserves from own funds, required 6 months $5,568.00 additional reserves $9,789.00 own funds. Verified |
GA | Investment | Refinance | Cash Out - Other | 11140315 | Originator Pre-Close | Yes | ||||||
| 669 | XX | XX | XX | Closed | 2026-09-01 14:14 | 2026-09-02 15:25 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. S&P value equals B,
secondary product within tolerance - Due Diligence Vendor-09/XX/2026 |
NC | Second Home | Purchase | NA | 11151530 | Investor Post-Close | No | |||||||
| 672 | XX | XX | XX | Closed | 2026-09-01 14:00 | 2026-09-01 14:00 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 11151140 | Investor Post-Close | No | |||||||
| 673 | XX | XX | XX | Closed | 2026-08-10 11:37 | 2026-08-17 09:34 | 2026-08-17 09:34 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-The Note is
Present - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see uploaded a complete Note - Buyer-08/XX/2026 Open-The Note is Incomplete The Note is partial - Due Diligence Vendor-08/XX/2026 |
Resolved-The Note is
Present - Due Diligence Vendor-08/XX/2026 |
XX | TX | Primary Residence | Purchase | NA | 10713067 | N/A | N/A | |||||
| 682 | XX | XX | XX | Closed | 2026-08-12 10:40 | 2026-08-21 09:49 | 2026-08-21 09:49 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Signed Prepayment
Addendum to Note received. - Due
Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached the executed Prepayment rider - Buyer-08/XX/2026 Open-The Note is Incomplete The prepayment addendum to the Note is not signed. - Due Diligence Vendor-08/XX/2026 |
Resolved-Signed Prepayment
Addendum to Note received. - Due
Diligence Vendor-08/XX/2026 |
XX | NY | Investment | Purchase | NA | 10766910 | N/A | N/A | |||||
| 682 | XX | XX | XX | Closed | 2026-08-12 10:49 | 2026-08-17 09:11 | 2026-08-17 09:11 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. please find attached Business Purpose Affidavit - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | NY | Investment | Purchase | NA | 10767124 | N/A | N/A | |||||
| 683 | XX | XX | XX | Closed | 2026-08-28 15:05 | 2026-09-03 10:31 | 2026-09-03 10:31 | Resolved | 1 - Information | Credit | Missing Doc | Final HUD/Settlement Statement Not Provided | Resolved-Final HUD
received. - Due Diligence
Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please see uploaded Settlement Statement for property XX - Buyer-09/XX/2026 Open-The final HUD/Settlement Statement is missing. Audit could not locate the final CD/closing statement for new purchased property located on XX as disclosed on the final 1003. - Due Diligence Vendor-08/XX/2026 |
Resolved-Final HUD
received. - Due Diligence
Vendor-09/XX/2026 |
XX | IL | Investment | Purchase | NA | 11098151 | N/A | N/A | |||||
| 689 | XX | XX | XX | Closed | 2026-08-20 12:10 | 2026-08-26 14:02 | 2026-08-26 14:02 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see uploaded Business Purpose - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit is missing in file. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | MD | Investment | Purchase | NA | 10928082 | N/A | N/A | |||||
| 691 | XX | XX | XX | Closed | 2026-08-18 09:29 | 2026-08-26 08:21 | 2026-08-26 08:21 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance
Policy is fully present - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached dec page with premium and paid in full invoice. - Buyer-08/XX/2026 Open-Hazard Insurance Policy Partially Provided The hazard insurance policy provided is partial, and the premium amount is not reflected in the policy document. - Due Diligence Vendor-08/XX/2026 |
Resolved-Hazard Insurance
Policy is fully present - Due Diligence Vendor-08/XX/2026 |
XX | ID | Investment | Refinance | Cash Out - Other | 10867570 | N/A | N/A | |||||
| 693 | XX | XX | XX | Closed | 2026-08-19 14:53 | 2026-10-28 08:19 | 2026-08-26 13:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. please find attached business purpose - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit document is missing. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | PA | Investment | Refinance | No Cash Out - Borrower Initiated | 10904978 | N/A | N/A | |||||
| 695 | XX | XX | XX | Closed | 2026-08-19 11:32 | 2026-08-19 11:32 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-08/XX/2026 |
MT | Second Home | Purchase | NA | 10897986 | Investor Post-Close | No | |||||||
| 700 | XX | XX | XX | Closed | 2026-09-03 14:35 | 2026-10-29 11:47 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Open-S&P value equals
B, secondary product within tolerance. This finding will be rated a B for
S&P. All other agencies will be rated as A. S&P RA Only - Value grade
equals B, secondary product within tolerance. - Due Diligence Vendor-09/XX/2026 |
SC | Primary Residence | Purchase | NA | 11204808 | Investor Post-Close | No | ||||||||
| 701 | XX | XX | XX | Closed | 2026-08-20 15:36 | 2026-08-25 11:11 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. Provided valuation
reports are within tolerance - Due Diligence Vendor-08/XX/2026 Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Provided valuation reports are within tolerance - Due Diligence Vendor-08/XX/2026 |
Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. Provided valuation
reports are within tolerance - Due Diligence Vendor-08/XX/2026 Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Provided valuation reports are within tolerance - Due Diligence Vendor-08/XX/2026 |
NJ | Investment | Refinance | Cash Out - Other | 10936259 | Investor Post-Close | No | |||||||
| 703 | XX | XX | XX | Closed | 2026-08-17 23:28 | 2026-09-02 10:28 | 2026-09-02 10:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower
Identification - Borrower 1 provided. condition resolved. - Due Diligence
Vendor-09/XX/2026 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please see attached ID. - Buyer-08/XX/2026 Open-Missing Borrower Identification - Borrower 1. Provided ID proof on Page# 327 is not clearly visible so need B1 valid ID. - Due Diligence Vendor-08/XX/2026 |
Resolved-Borrower
Identification - Borrower 1 provided. condition resolved. - Due Diligence
Vendor-09/XX/2026 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-09/XX/2026 |
XX | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10858431 | N/A | N/A | |||||
| 703 | XX | XX | XX | Closed | 2026-08-19 06:57 | 2026-08-19 06:59 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10891305 | Investor Post-Close | No | |||||||
| 708 | XX | XX | XX | Closed | 2026-08-06 12:52 | 2026-08-11 11:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Secondary valuation within tolerance. - Due Diligence Vendor-08/XX/2026 |
Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Secondary valuation within tolerance. - Due Diligence Vendor-08/XX/2026 |
UT | Primary Residence | Purchase | NA | 10669792 | Investor Post-Close | No | |||||||
| 709 | XX | XX | XX | Closed | 2026-07-28 16:42 | 2026-09-03 10:34 | 2026-09-03 10:33 | Resolved | 1 - Information | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset Record 3
Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-09/XX/2026
Ready for Review-Document Uploaded. Please find signed CD attached - Investor-09/XX/2026 Counter-Received copy of final CD for the refinance of additional investment property that is the source of the $110,000 listed on the 1003; however, final CD is unexecuted. Please provide executed copy of document. Finding remains - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find CD attached. - Investor-08/XX/2026 Counter-CD received for subject property. Please provide final CD for the refinance of additional investment property that is the source of the $110,000 listed on the 1003. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached CD - Buyer-08/XX/2026 Counter-Provide an executed final closing disclosure from refinance to verify minimum net proceeds for cash to close. - Due Diligence Vendor-08/XX/2026 Ready for Review-What specifically is needed? CD from prior sale? - Investor-08/XX/2026 Open-Asset Record 3 Does Not Meet G/L Requirements Missing an executed final closing disclosure from refinance to verify minimum net proceeds for cash to close. - Due Diligence Vendor-07/XX/2026 |
Resolved-Asset Record 3
Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-09/XX/2026 |
XX | NH | Investment | Purchase | NA | 10501285 | N/A | N/A | |||||
| 709 | XX | XX | XX | Closed | 2026-07-28 16:22 | 2026-08-03 08:18 | 2026-08-03 08:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. business purpose - Investor-07/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-07/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | NH | Investment | Purchase | NA | 10500766 | N/A | N/A | |||||
| 711 | XX | XX | XX | Closed | 2026-08-12 09:24 | 2026-08-17 08:58 | 2026-08-17 08:58 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit received. - Due Diligence
Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached Business Purpose - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit received. - Due Diligence
Vendor-08/XX/2026 |
XX | OR | Investment | Refinance | Cash Out - Other | 10764578 | N/A | N/A | |||||
| 713 | XX | XX | XX | Closed | 2026-08-14 02:52 | 2026-08-18 10:53 | 2026-08-18 10:53 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received Final
Seller's Disclosure for REO 3a on the final 1003. - Due Diligence
Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see uploaded CD for the sale property - Investor-08/XX/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Required the FINAL HUD1 SETTLEMENT STATMENT OR CD for the pending sale property in order to validate the pending sale amount - Due Diligence Vendor-08/XX/2026 |
Resolved-Received Final
Seller's Disclosure for REO 3a on the final 1003. - Due Diligence
Vendor-08/XX/2026 |
XX | FL | Primary Residence | Purchase | NA | 10810462 | N/A | N/A | |||||
| 713 | XX | XX | XX | Closed | 2026-08-14 02:52 | 2026-08-18 10:52 | 2026-08-18 10:52 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Received Final
Seller's Disclosure for REO 3a on the final 1003. - Due Diligence
Vendor-08/XX/2026 Ready for Review-Please see uploaded CD for the sale property - Investor-08/XX/2026 Open-Insufficient asset documentation in file - assets do not cover closing costs. Require additional asset in order to meet the cash to close requirement - Due Diligence Vendor-08/XX/2026 |
Resolved-Received Final
Seller's Disclosure for REO 3a on the final 1003. - Due Diligence
Vendor-08/XX/2026 |
FL | Primary Residence | Purchase | NA | 10810464 | N/A | N/A | ||||||
| 713 | XX | XX | XX | Closed | 2026-08-14 02:52 | 2026-08-18 10:52 | 2026-08-18 10:52 | Resolved | 1 - Information | Credit | Missing Doc | Asset 2 Missing | Resolved-Received Final
Seller's Disclosure for REO 3a on the final 1003. - Due Diligence
Vendor-08/XX/2026 Ready for Review-Please see uploaded CD for the sale property - Buyer-08/XX/2026 Open-Asset 2 Missing Required the FINAL HUD1 SETTLEMENT STATMENT OR CD for the pending sale property in order to validate the pending sale amount - Due Diligence Vendor-08/XX/2026 |
Resolved-Received Final
Seller's Disclosure for REO 3a on the final 1003. - Due Diligence
Vendor-08/XX/2026 |
FL | Primary Residence | Purchase | NA | 10810463 | N/A | N/A | ||||||
| 713 | XX | XX | XX | Closed | 2026-08-12 14:03 | 2026-08-12 14:03 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. S&P RA Only - Value
grade equals B, secondary product within tolerance. - Due Diligence Vendor-08/XX/2026 |
Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. S&P RA Only - Value
grade equals B, secondary product within tolerance. - Due Diligence Vendor-08/XX/2026 |
FL | Primary Residence | Purchase | NA | 10773152 | Investor Post-Close | No | |||||||
| 715 | XX | XX | XX | Closed | 2026-08-21 00:38 | 2026-09-03 11:42 | 2026-09-03 11:42 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Lender provided
RCE for subject property. condition resolved. - Due Diligence
Vendor-09/XX/2026 Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please find attached RCE with coverage of $467,244. Policy provides coverage greater than RCE at $XX - Buyer-09/XX/2026 Open-Hazard Insurance Coverage Amount of $XX is less than Total Amount of Subject Lien(s) of $XX The loan amount is $XX and Coverage Amount-$XX - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
RCE for subject property. condition resolved. - Due Diligence
Vendor-09/XX/2026 Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-09/XX/2026 |
XX | . | NH | Second Home | Refinance | Cash Out - Other | 10942117 | N/A | N/A | ||||
| 718 | XX | XX | XX | Closed | 2026-08-21 13:11 | 2026-08-26 13:39 | 2026-08-26 13:39 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached business purpose cert. - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | AK | Investment | Refinance | No Cash Out - Borrower Initiated | 10959325 | N/A | N/A | |||||
| 725 | XX | XX | XX | Closed | 2026-08-11 06:28 | 2026-08-20 15:07 | 2026-08-20 15:07 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Disclosure
provided. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached Need to Know Pamphlet - Buyer-08/XX/2026 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-08/XX/2026 |
Resolved-Disclosure
provided. - Due Diligence Vendor-08/XX/2026 |
XX | NY | Primary Residence | Refinance | Cash Out - Other | 10734074 | N/A | N/A | |||||
| 726 | XX | XX | XX | Closed | 2026-08-19 06:01 | 2026-08-26 08:14 | 2026-08-26 08:14 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-RTC received.
Resolved. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached RTC. - Buyer-08/XX/2026 Open-TILA: NORTC Missing for one or more borrowers/vested parties NORTC Missing - Due Diligence Vendor-08/XX/2026 |
Resolved-RTC received.
Resolved. - Due Diligence Vendor-08/XX/2026 |
XX | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10890525 | N/A | N/A | |||||
| 726 | XX | XX | XX | Closed | 2026-08-19 07:31 | 2026-08-26 08:12 | 2026-08-26 08:12 | Resolved | 1 - Information | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Resolved - Due
Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached RTC. - Buyer-08/XX/2026 Open-The disclosed "Right to Cancel Expire Date" (2026-XX-04) is earlier than the system calculated "Right to Cancel Expire Date" (2026-XX-07). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) Finding Already Added Separately for RTC Document Missing - Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 |
Resolved-Resolved - Due
Diligence Vendor-08/XX/2026 |
XX | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10891761 | N/A | N/A | |||||
| 729 | XX | XX | XX | Closed | 2026-07-22 09:55 | 2026-10-28 13:58 | 2026-10-28 13:58 | Resolved | 2 - Non-Material | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-XX- Due Diligence
Vendor-10/XX/2026 Resolved-Received PCCD . Resolved. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached PCCD - Seller-08/XX/2026 Open-XX- Due Diligence Vendor-07/XX/2026 Open-XX- Due Diligence Vendor-07/XX/2026 Open-The loan disbursement date (2026-XX-08) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2026-XX-09). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Lender considered disbursement date as 07/XX/2026. Actual document shows disbursement date as 07/XX/2026. - Due Diligence Vendor-07/XX/2026 Open-XX- Due Diligence Vendor-07/XX/2026 Open-XX- Due Diligence Vendor-07/XX/2026 |
Ready for Review-Document
Uploaded. Please find attached PCCD - Seller-08/XX/2026 |
Resolved- - Due Diligence Vendor-10/XX/2026 Resolved-Received PCCD . Resolved. - Due Diligence Vendor-08/XX/2026 |
XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10401763 | N/A | N/A | ||||
| 729 | XX | XX | XX | Closed | 2026-08-12 12:27 | 2026-10-28 13:57 | 2026-09-02 11:22 | Resolved | 2 - Non-Material | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Lender provided
PCCD with PCCD with pay history to show 748.00 was applied to principal.
condition resolved. - Due Diligence Vendor-09/XX/2026 Resolved-XX- Due Diligence Vendor-09/XX/2026 Ready for Review-Per Compliance-please ask the investor what they are looking for. The total lender credit will remain showing $2,915.30, the borrower received a principal reduction in the amount of $748 to cure the decrease which shows on page 3 of the PCCD they received, nothing further is required. - Investor-09/XX/2026 Counter-Received Letter of Explanation, Proof of Refund in form of Prin. Adjustment in the amount of $748. Corrected PCCD is required, PCCD received reflects total credit of $2,915.30. Condition remains. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached PCCD & Payment History - Seller-08/XX/2026 Counter-The PCCD dated 08/XX/2026 was previously received and evaluated. The CD provided at closing reflects a General Lender Credit of $3,663.30. The General Lender Credit decreased to $2,915.30 on the PCCD. The loan file did not contain a valid COC to support the decrease. A tolerance cure of $748.00 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached PCCD - Seller-08/XX/2026 Open-The CD provided at closing reflects a General Lender Credit of $3,663.30. The General Lender Credit decreased to $2,915.30 on the PCCD. The loan file did not contain a valid COC to support the decrease. A tolerance cure of $748.00 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-08/XX/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($4,562.80). The Last CD shows a total lender credit amount of ($3,709.80). The following fees "lender credits" have decreased below their baseline amounts (Recording Fees – Mortgage/Deed of Trust, General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 |
Ready for Review-Document
Uploaded. Please find attached PCCD & Payment History - Seller-08/XX/2026
Ready for Review-Document Uploaded. Please find attached PCCD - Seller-08/XX/2026 |
Resolved-Lender provided
PCCD with PCCD with pay history to show 748.00 was applied to principal.
condition resolved. - Due Diligence Vendor-09/XX/2026 |
XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10769794 | N/A | N/A | ||||
| 729 | XX | XX | XX | Closed | 2026-08-12 12:27 | 2026-10-28 13:57 | 2026-09-02 11:22 | Resolved | 2 - Non-Material | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Lender provided
PCCD with PCCD with pay history to show 748.00 was applied to principal.
condition resolved. - Due Diligence Vendor-09/XX/2026 Resolved-XX- Due Diligence Vendor-09/XX/2026 Ready for Review-Per Compliance Review _ please ask the investor what they are looking for. The total lender credit will remain showing $2,915.30, the borrower received a principal reduction in the amount of $748 to cure the decrease which shows on page 3 of the PCCD they received, nothing further is required. - Buyer-09/XX/2026 Open-Received Letter of Explanation, Proof of Refund in form of Prin. Adjustment. Corrected PCCD is required, PCCD received reflects total credit of $2,915.30. Condition remains. - Due Diligence Vendor-08/XX/2026 Open-The CD provided at closing reflects a General Lender Credit of $3,663.30. The General Lender Credit decreased to $2,915.30 on the PCCD. The loan file did not contain a valid COC to support the decrease. A tolerance cure of $748.00 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-08/XX/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($4,562.80). The actual total fee amount shows a credit amount of ($3,709.80). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (Recording Fees – Mortgage/Deed of Trust, General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
PCCD with PCCD with pay history to show 748.00 was applied to principal.
condition resolved. - Due Diligence Vendor-09/XX/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10769797 | N/A | N/A | ||||||
| 729 | XX | XX | XX | Closed | 2026-08-12 12:27 | 2026-10-28 13:57 | 2026-10-28 13:57 | Resolved | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Resolved-XX- Due Diligence
Vendor-10/XX/2026 Resolved-Lender provided PCCD with PCCD with pay history to show 748.00 was applied to principal. condition resolved. - Due Diligence Vendor-10/XX/2026 Resolved-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 |
Resolved- - Due Diligence Vendor-10/XX/2026 Resolved-Lender provided PCCD with PCCD with pay history to show 748.00 was applied to principal. condition resolved. - Due Diligence Vendor-10/XX/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10769800 | N/A | N/A | ||||||
| 729 | XX | XX | XX | Closed | 2026-08-12 12:27 | 2026-10-28 13:56 | 2026-10-28 13:56 | Resolved | 2 - Non-Material | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (XX) | Resolved-XX- Due Diligence
Vendor-10/XX/2026 Resolved-Lender provided PCCD with PCCD with pay history to show 748.00 was applied to principal. condition resolved. - Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 |
Resolved- - Due Diligence Vendor-10/XX/2026 Resolved-Lender provided PCCD with PCCD with pay history to show 748.00 was applied to principal. condition resolved. - Due Diligence Vendor-08/XX/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10769795 | N/A | N/A | ||||||
| 729 | XX | XX | XX | Closed | 2026-08-12 12:27 | 2026-10-28 13:56 | 2026-08-12 12:34 | Resolved | 2 - Non-Material | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (XX) | Resolved-Lender provided
PCCD with PCCD with pay history to show 748.00 was applied to principal.
condition resolved. - Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
PCCD with PCCD with pay history to show 748.00 was applied to principal.
condition resolved. - Due Diligence Vendor-08/XX/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10769798 | N/A | N/A | ||||||
| 729 | XX | XX | XX | Closed | 2026-08-12 12:27 | 2026-10-28 13:56 | 2026-10-28 13:56 | Resolved | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-XX- Due Diligence
Vendor-10/XX/2026 Resolved-Lender provided PCCD with PCCD with pay history to show 748.00 was applied to principal. condition resolved. - Due Diligence Vendor-10/XX/2026 Resolved-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 |
Resolved- - Due Diligence Vendor-10/XX/2026 Resolved-Lender provided PCCD with PCCD with pay history to show 748.00 was applied to principal. condition resolved. - Due Diligence Vendor-10/XX/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10769796 | N/A | N/A | ||||||
| 729 | XX | XX | XX | Closed | 2026-08-12 12:27 | 2026-10-28 13:56 | 2026-10-28 13:56 | Resolved | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-XX- Due Diligence
Vendor-10/XX/2026 Resolved-Lender provided PCCD with PCCD with pay history to show 748.00 was applied to principal. condition resolved. - Due Diligence Vendor-10/XX/2026 Resolved-Lender provided PCCD with PCCD with pay history to show 748.00 was applied to principal. condition resolved. - Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 Open-XX- Due Diligence Vendor-08/XX/2026 |
Resolved- - Due Diligence Vendor-10/XX/2026 Resolved-Lender provided PCCD with PCCD with pay history to show 748.00 was applied to principal. condition resolved. - Due Diligence Vendor-10/XX/2026 Resolved-Lender provided PCCD with PCCD with pay history to show 748.00 was applied to principal. condition resolved. - Due Diligence Vendor-08/XX/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10769799 | N/A | N/A | ||||||
| 732 | XX | XX | XX | Closed | 2026-08-17 13:53 | 2026-08-20 15:53 | 2026-08-20 15:53 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached business purpose cert. - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | MA | Investment | Purchase | NA | 10853643 | N/A | N/A | |||||
| 741 | XX | XX | XX | Closed | 2026-08-10 04:13 | 2026-08-13 14:22 | 2026-08-13 14:22 | Resolved | 1 - Information | Compliance | Disclosure | HPML: Delivery of Appraisal/Valuation to Applicant Not Timely | Resolved-Lender provided
documentation of the appraisal being sent to the borrower electronically on
7/XX/26 - Due Diligence Vendor-08/XX/2026 Resolved-HPML Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached 07-XX-26 initial CD package including the appraisal. The audit trail is also attached to show the page numbers in the package align with the audit trail. - Buyer-08/XX/2026 Open-HPML Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely DELIVERY OF APPRAISAL is 7/XX/2026 pg 634 - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
documentation of the appraisal being sent to the borrower electronically on
7/2/26 - Due Diligence Vendor-08/XX/2026 Resolved-HPML Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - Due Diligence Vendor-08/XX/2026 |
XX | AK | Primary Residence | Refinance | Cash Out - Other | 10703116 | N/A | N/A | |||||
| 743 | XX | XX | XX | Closed | 2026-08-21 07:23 | 2026-08-27 10:49 | 2026-08-27 10:49 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached businese purpose cert. - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit is missing in file. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | MD | Investment | Refinance | Cash Out - Other | 10948547 | N/A | N/A | |||||
| 749 | XX | XX | XX | Closed | 2026-08-11 10:59 | 2026-08-11 10:59 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
CA | Primary Residence | Purchase | NA | 10741155 | Investor Post-Close | No | |||||||
| 750 | XX | XX | XX | Closed | 2026-09-01 09:46 | 2026-09-01 09:46 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2026 |
TX | Primary Residence | Purchase | NA | 11142215 | Investor Post-Close | No | |||||||
| 754 | XX | XX | XX | Closed | 2026-08-28 11:24 | 2026-08-28 11:24 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-08/XX/2026 | Acknowledged-RESPA: Toolkit
Missing or Incomplete. - Due Diligence Vendor-08/XX/2026 |
GA | Primary Residence | Purchase | NA | 11092865 | Investor Post-Close | No | |||||||
| 758 | XX | XX | XX | Closed | 2026-09-04 13:49 | 2026-09-04 14:24 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing or Incomplete - Due Diligence Vendor-09/XX/2026 | Acknowledged-Privacy Notice
Required - Missing or Incomplete. Privacy Notice Required - Missing or
Incomplete - Due Diligence Vendor-09/XX/2026 |
ID | Primary Residence | Refinance | Cash Out - Other | 11229591 | Investor Post-Close | No | |||||||
| 760 | XX | XX | XX | Closed | 2026-08-04 15:37 | 2026-08-13 12:27 | 2026-08-13 12:27 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Questionnaire | Resolved-Lender provided
the condo Questionnaire and approval.
Condition cleared. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached Project Approval and CPM. Per Review Analyst approved as a TYPE T/reciprocal. The project is approved by Fannie Mae and as such, a questionnaire is not required - Buyer-08/XX/2026 Open- The Condo Questionnaire is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
the condo Questionnaire and approval.
Condition cleared. - Due Diligence Vendor-08/XX/2026 |
XX | FL | Investment | Purchase | NA | 10625502 | N/A | N/A | |||||
| 760 | XX | XX | XX | Closed | 2026-08-04 15:23 | 2026-08-04 15:23 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
FL | Investment | Purchase | NA | 10625299 | Investor Post-Close | No | |||||||
| 768 | XX | XX | XX | Closed | 2026-08-24 07:02 | 2026-09-10 12:55 | 2026-09-10 12:55 | Resolved | 1 - Information | Credit | Income/Employment | Income 9 Months Income Verified is Missing | Resolved-Lender provided
documentation that the new loan has not yet closed, using the project
payment. Condition resolved. - Due
Diligence Vendor-09/XX/2026 Resolved-Income 9 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Per our UW - "XX is free and clear. There is a refinance in process, but it has not yet closed. Prelim CD and 1008 attached. The $3739 payment was used in case the loan actually did close (but it did not). " Please see uploaded preliminary CD and 1008. - Investor-09/XX/2026 Counter-Please provide the Mortgage statement for REO 3d (XX). Condition remains. - Due Diligence Vendor-08/XX/2026 Ready for Review-8/28 Our UW is asking if you please clarify what is missing. Income is from the business only; no rental income is being used. What exactly is needed? Thanks. - Buyer-08/XX/2026 Open-Income 9 Months Income Verified is Missing Section 3d (pg#706) for this property mortgage statement is missing - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
documentation that the new loan has not yet closed, using the project
payment. Condition resolved. - Due
Diligence Vendor-09/XX/2026 Resolved-Income 9 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-09/XX/2026 |
XX | NY | Investment | Refinance | Cash Out - Other | 10979079 | N/A | N/A | |||||
| 768 | XX | XX | XX | Closed | 2026-08-20 05:44 | 2026-08-31 11:24 | 2026-08-31 11:24 | Resolved | 1 - Information | Credit | Missing Doc | HO6 Insurance Policy is Missing | Resolved-Lender verified
and provided the Master condo policy showing walls in coverage. Condition cleared. - Due Diligence
Vendor-08/XX/2026 Resolved-XX-6 Insurance Policy is fully present - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see uploaded Master Policy that includes XX in coverage for betterments and improvements. - Buyer-08/XX/2026 Open-Missing HO-6 Insurance Policy HO6 Insurance Policy Document is missing - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender verified
and provided the Master condo policy showing walls in coverage. Condition cleared. - Due Diligence
Vendor-08/XX/2026 Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-08/XX/2026 |
XX | NY | Investment | Refinance | Cash Out - Other | 10918059 | N/A | N/A | |||||
| 774 | XX | XX | XX | Closed | 2026-08-10 08:01 | 2026-08-10 08:01 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-08/XX/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 10706996 | Investor Post-Close | No | |||||||
| 776 | XX | XX | XX | Closed | 2026-08-18 04:56 | 2026-09-03 11:46 | 2026-09-03 11:46 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall - Replacement Cost Provided | Resolved-Lender provided
RCE for subject property. condition resolved - Due Diligence
Vendor-09/XX/2026 Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please find attached RCE with estimator provide estimate of $XX which is the same as dwelling coverage listed on policy - Buyer-09/XX/2026 Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XX The loan amount is $XX and Coverage Amount-$XX - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
RCE for subject property. condition resolved - Due Diligence
Vendor-09/XX/2026 Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-09/XX/2026 |
XX | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10862977 | N/A | N/A | |||||
| 790 | XX | XX | XX | Closed | 2026-08-19 14:24 | 2026-08-26 13:46 | 2026-08-26 13:46 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached business purpose cert. - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose and Occupancy Affidavit is not available - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | CA | Investment | Purchase | NA | 10903133 | N/A | N/A | |||||
| 796 | XX | XX | XX | Closed | 2026-08-20 12:32 | 2026-08-27 09:12 | 2026-08-27 09:12 | Resolved | 1 - Information | Compliance | Disclosure | Disclosure(s) for Borrower electronically dated prior to E-Consent | Resolved-Received consent
dated 07-XX-26. Resolved. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Pleaes see attached audit trail with econsent dated 07-XX-26. - Seller-08/XX/2026 Open-Disclosure(s) dated 07/XX/2026 is prior to E-Consent from Borrower dated 07/XX/2026. - Due Diligence Vendor-08/XX/2026 |
Ready for Review-Document
Uploaded. Pleaes see attached audit trail with econsent dated 07-XX-26. -
Seller-08/XX/2026 |
Resolved-Received consent
dated 07-23-26. Resolved. - Due Diligence Vendor-08/XX/2026 |
XX | FL | Primary Residence | Purchase | NA | 10928637 | N/A | N/A | ||||
| 796 | XX | XX | XX | Closed | 2026-08-20 12:50 | 2026-08-27 09:11 | 2026-08-27 09:11 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient
E-Consent documentation for appraisal delivery provided. - Due Diligence
Vendor-08/XX/2026 Ready for Review-Document Uploaded. Pleaes see attached audit trail with econsent dated 07-XX-26. - Buyer-08/XX/2026 Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. Electronic appraisal delivery date of 07/XX/2026 is prior to E-Consent dated 07/XX/2026. - Due Diligence Vendor-08/XX/2026 |
Resolved-Sufficient
E-Consent documentation for appraisal delivery provided. - Due Diligence
Vendor-08/XX/2026 |
XX | FL | Primary Residence | Purchase | NA | 10929020 | N/A | N/A | |||||
| 796 | XX | XX | XX | Closed | 2026-08-20 12:50 | 2026-08-27 09:11 | 2026-08-27 09:11 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-ECOA Compliant:
Evidence provided of delivery of most recent primary appraisal to applicant.
- Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. 07-30 appraisal delivered at closing, please see attached cover letter. - Investor-08/XX/2026 Counter-Hello, confirmation borrower received copy of the appraisal after the appraisal date of 07/XX/26 is required. (If sent electronically, e-consent is required dated prior. E-consent is an open condition on this file). Thanks - Due Diligence Vendor-08/XX/2026 Ready for Review-Please clarify what is needed for this one. - Buyer-08/XX/2026 Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of 07/XX/2026 is after the Primary Appraisal Delivery Date of 07/XX/2026. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/XX/2026 |
Resolved-ECOA Compliant:
Evidence provided of delivery of most recent primary appraisal to applicant.
- Due Diligence Vendor-08/XX/2026 |
XX | FL | Primary Residence | Purchase | NA | 10929021 | N/A | N/A | |||||
| 802 | XX | XX | XX | Closed | 2026-09-01 14:14 | 2026-09-01 14:14 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2026 |
NY | Primary Residence | Purchase | NA | 11151542 | Investor Post-Close | No | |||||||
| 806 | XX | XX | XX | Closed | 2026-08-20 11:53 | 2026-08-24 10:18 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Secondary product within tolerance - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. Secondary product within
tolerance - Due Diligence Vendor-08/XX/2026 |
GA | Primary Residence | Purchase | NA | 10927676 | Investor Post-Close | No | |||||||
| 829 | XX | XX | XX | Closed | 2026-08-25 11:22 | 2026-08-25 11:22 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-08/XX/2026 |
FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 11013588 | Investor Post-Close | No | |||||||
| 832 | XX | XX | XX | Closed | 2026-09-01 08:50 | 2026-09-08 15:49 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged-The
Homeownership Counseling Organization Disclosure Sent Date (2026-XX-06) is
more than 3 business days from the Application Date (2026-XX-29). Three
business days from the Application Date is (2026-XX-03). Under 12 CFR
1024.20, not later than three business days after receipt of an application,
or information sufficient to complete an application, the lender must provide
the applicant with a clear and conspicuous written list of homeownership
counseling organizations that provide relevant counseling services in the
loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-09/XX/2026
Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (2026-XX-06) is more than 3 business days from the Application Date (2026-XX-29). Three business days from the Application Date is (2026-XX-01). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) application date 07/XX/2026 and disclosure date is 08/XX/2026, which is not within 3 days from application date. - Due Diligence Vendor-09/XX/2026 Open-The Homeownership Counseling Organization Disclosure Sent Date (2026-XX-06) is more than 3 business days from the Application Date (2026-XX-29). Three business days from the Application Date is (2026-XX-01). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-09/XX/2026 Open-XX- Due Diligence Vendor-09/XX/2026 Open-XX- Due Diligence Vendor-09/XX/2026 |
Acknowledged-The
Homeownership Counseling Organization Disclosure Sent Date (2026-XX-XX) is
more than 3 business days from the Application Date (2026-XX-XX). Three
business days from the Application Date is (2026-XX-XX). Under 12 CFR
1024.20, not later than three business days after receipt of an application,
or information sufficient to complete an application, the lender must provide
the applicant with a clear and conspicuous written list of homeownership
counseling organizations that provide relevant counseling services in the
loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-09/XX/2026
Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (2026-XX-XX) is more than 3 business days from the Application Date (2026-XX-XX). Three business days from the Application Date is (2026-XX-XX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) application date 07/XX/2026 and disclosure date is 08/XX/2026, which is not within 3 days from application date. - Due Diligence Vendor-09/XX/2026 |
AR | Primary Residence | Purchase | NA | 11141093 | Investor Post-Close | No | |||||||
| 837 | XX | XX | XX | Closed | 2026-09-01 05:53 | 2026-09-10 11:59 | 2026-09-10 11:59 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Lender provided
the List of Settlement provided dated the same day as the initial LE and
initial disclosures. Condition
resolved - Due Diligence Vendor-09/XX/2026 Resolved-Resolved - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please see uploaded HOC agencies list dated 7.31.26 - Buyer-09/XX/2026 Open-The List of Settlement Service Providers Disclosure Date (2026-XX-05) is more than 3 business days from the Application Date (2026-XX-29). Three business days from the Application Date is (2026-XX-03). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) Application date is 07/XX/2026. Application date is 07/XX/26 and Settlement Service Providers Disclosure Date is 08/XX/26. - Due Diligence Vendor-09/XX/2026 Open-XX- Due Diligence Vendor-09/XX/2026 Open-XX- Due Diligence Vendor-09/XX/2026 |
Resolved-Lender provided
the List of Settlement provided dated the same day as the initial LE and
initial disclosures. Condition
resolved - Due Diligence Vendor-09/XX/2026 Resolved-Resolved - Due Diligence Vendor-09/XX/2026 |
XX | OH | Primary Residence | Refinance | Cash Out - Other | 11138238 | N/A | N/A | |||||
| 843 | XX | XX | XX | Closed | 2026-08-18 01:59 | 2026-08-31 11:39 | 2026-08-31 11:39 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Lender provided
the title. Condition cleared. - Due
Diligence Vendor-08/XX/2026 Resolved-Title Document is not Missing - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see uploaded Title Report - Buyer-08/XX/2026 Open-Title Document is missing Title Document not Provided - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
the title. Condition cleared. - Due
Diligence Vendor-08/XX/2026 Resolved-Title Document is not Missing - Due Diligence Vendor-08/XX/2026 |
XX | CA | Primary Residence | Purchase | NA | 10860668 | N/A | N/A | |||||
| 846 | XX | XX | XX | Closed | 2026-08-04 15:28 | 2026-08-12 09:01 | 2026-08-12 09:01 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Questionnaire | Resolved-Condo exempt from
review. Small established or new condominium projects containing 4 or fewer
units. Resolved - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached 1008 showing project review is exempt from review. - Buyer-08/XX/2026 Open- The Condo Questionnaire is missing from the loan file. Additional conditions may apply. The Condo Questionnaire is missing from the loan file. - Due Diligence Vendor-08/XX/2026 |
Resolved-Condo exempt from
review. Small established or new condominium projects containing 4 or fewer
units. Resolved - Due Diligence Vendor-08/XX/2026 |
XX | SC | Second Home | Purchase | NA | 10625394 | N/A | N/A | |||||
| 847 | XX | XX | XX | Closed | 2026-09-01 05:46 | 2026-09-10 12:39 | 2026-09-10 12:39 | Resolved | 1 - Information | Compliance | Mavent | License: Loan Originator | Resolved-Lender proved
documentation that the loan closed under a new loan originator who is active
in NMLS. Condition resolved. - Due
Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please see attached explanation from our operations management, LO changed to XX, please see attached licensing information and 1003. - Buyer-09/XX/2026 Open-XX- Due Diligence Vendor-09/XX/2026 Open-XX- Due Diligence Vendor-09/XX/2026 Open-XX- Due Diligence Vendor-09/XX/2026 Open-A relationship between XX (NMLS ID: XX) and the company (Company NMLS ID: XX) does not exist in the NMLS Consumer Access as of 2026-XX-20. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. . - Due Diligence Vendor-09/XX/2026 Open-XX- Due Diligence Vendor-09/XX/2026 |
Resolved-Lender proved
documentation that the loan closed under a new loan originator who is active
in NMLS. Condition resolved. - Due
Diligence Vendor-09/XX/2026 |
XX | HI | Primary Residence | Purchase | NA | 11138131 | N/A | N/A | |||||
| 847 | XX | XX | XX | Closed | 2026-09-02 13:47 | 2026-09-10 12:35 | 2026-09-10 12:35 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Lender provided
borrowers passport. Condition cleared
- Due Diligence Vendor-09/XX/2026 Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-09/XX/2026 Ready for Review-Document Uploaded. Please see attached ID. - Buyer-09/XX/2026 Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-09/XX/2026 |
Resolved-Lender provided
borrowers passport. Condition cleared
- Due Diligence Vendor-09/XX/2026 Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-09/XX/2026 |
XX | HI | Primary Residence | Purchase | NA | 11175346 | N/A | N/A | |||||
| 847 | XX | XX | XX | Closed | 2026-09-01 12:28 | 2026-09-01 12:28 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2026 |
HI | Primary Residence | Purchase | NA | 11149098 | Investor Post-Close | No | |||||||
| 856 | XX | XX | XX | Closed | 2026-08-10 15:58 | 2026-08-10 15:58 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/XX/2026 |
MI | Primary Residence | Purchase | NA | 10719554 | Investor Post-Close | No | |||||||
| 857 | XX | XX | XX | Closed | 2026-08-11 15:49 | 2026-08-17 09:03 | 2026-08-17 09:03 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached business purpose cert. - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 |
XX | MI | Investment | Refinance | Cash Out - Other | 10748913 | N/A | N/A | |||||
| 857 | XX | XX | XX | Closed | 2026-08-05 14:28 | 2026-08-11 16:10 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 693 is less than Guideline FICO of 720 , However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-08/XX/2026 | Waived-Audited FICO of 693
is less than Guideline FICO of 720 , However, the lender provided an approved
exception dated prior to consummation, and all compensating factors were
validated. - Due Diligence Vendor-08/XX/2026 |
*0x30x9 years mtg
payment history vs min 0x30x12 months per guidelines *1.17 DSCR vs min 1.00 DSCR per guidelines *20k in reserves vs guideline |
MI | Investment | Refinance | Cash Out - Other | 10647757 | Originator Pre-Close | Yes | ||||||
| 858 | XX | XX | XX | Closed | 2026-08-12 15:18 | 2026-08-17 14:27 | 2026-08-17 14:27 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided
Tax document missing for section 3b and Insurance document missing for
section 3e from 1003. condition resolved. - Due Diligence Vendor-08/XX/2026
Ready for Review-Document Uploaded. Please see attached, hazard is on page 7. - Buyer-08/XX/2026 Open-Tax document missing for section 3b from 1003 and Insurance document missing for section 3e from 1003 - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
Tax document missing for section 3b and Insurance document missing for
section 3e from 1003. condition resolved. - Due Diligence
Vendor-08/XX/2026 |
XX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 10774707 | N/A | N/A | |||||
| 862 | XX | XX | XX | Closed | 2026-08-04 12:10 | 2026-08-21 11:08 | 2026-08-21 11:08 | Resolved | 1 - Information | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Resolved-Lender provided
evidence the XX is paid off instead of balance monthly account. Reserves are
in line with guidelines. condition resolved. - Due Diligence
Vendor-08/XX/2026 Resolved-Audited Assets of $152379.05 are greater than Guideline Required Assets of $51190.14. - Due Diligence Vendor-08/XX/2026 Ready for Review-UW response: XX $979 may be excluded from reserves as the $979 is paid from XX in 2 payments 5/22 and 6/2 - Buyer-08/XX/2026 Open-Audited Assets of $50246.48 are less than Guideline Required Assets of $51190.14. - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
evidence the XX is paid off instead of balance monthly account. Reserves are
in line with guidelines. condition resolved. - Due Diligence
Vendor-08/XX/2026 Resolved-Audited Assets of $152379.05 are greater than Guideline Required Assets of $51190.14. - Due Diligence Vendor-08/XX/2026 |
NJ | Primary Residence | Purchase | NA | 10620899 | N/A | N/A |