|
Client Name:
|
||||||
|
Client Project Name:
|
SEMT 2026-14
|
|||||
|
Start - End Dates:
|
5/19/2026 - 10/22/2026
|
|||||
|
Deal Loan Count:
|
234
|
|||||
|
Conditions Report 2.0
|
||||||
|
Loans in Report:
|
234
|
|||||
|
Loans with Conditions:
|
185
|
|||||
|
0 - Total Active Conditions
|
||||||
|
386 - Total Satisfied Conditions
|
||||||
|
119 - Credit Review Scope
|
||||||
|
5 - Category: Ability to Repay/Qualified Mortgage
|
||||||
|
4 - Category: Application
|
||||||
|
9 - Category: Assets
|
||||||
|
15 - Category: Credit/Mtg History
|
||||||
|
17 - Category: DTI
|
||||||
|
28 - Category: Income/Employment
|
||||||
|
8 - Category: Insurance
|
||||||
|
9 - Category: Legal Documents
|
||||||
|
1 - Category: Potential Misrepresentation
|
||||||
|
15 - Category: Terms/Guidelines
|
||||||
|
8 - Category: Title
|
||||||
|
24 - Property Valuations Review Scope
|
||||||
|
23 - Category: Appraisal
|
||||||
|
1 - Category: FEMA
|
||||||
|
243 - Compliance Review Scope
|
||||||
|
23 - Category: Ability to Repay/Qualified Mortgage
|
||||||
|
1 - Category: Borrower's Interest
|
||||||
|
14 - Category: Compliance Manual
|
||||||
|
8 - Category: Documentation
|
||||||
|
4 - Category: Finance Charge Tolerance
|
||||||
|
4 - Category: RESPA
|
||||||
|
14 - Category: Right of Rescission
|
||||||
|
1 - Category: State Consumer Protection
|
||||||
|
6 - Category: Texas Home Equity
|
||||||
|
168 - Category: TILA/RESPA Integrated Disclosure
|
||||||
|
36 - Total Waived Conditions
|
||||||
|
24 - Credit Review Scope
|
||||||
|
3 - Category: Credit/Mtg History
|
||||||
|
10 - Category: Income/Employment
|
||||||
|
5 - Category: Insurance
|
||||||
|
1 - Category: LTV/CLTV
|
||||||
|
5 - Category: Terms/Guidelines
|
||||||
|
1 - Property Valuations Review Scope
|
||||||
|
1 - Category: Property
|
||||||
|
11 - Compliance Review Scope
|
||||||
|
8 - Category: RESPA
|
||||||
|
3 - Category: Right of Rescission
|
||||||
|
©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which
it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.
|
||||||
|
Client Name:
|
|||
|
Client Project Name:
|
SEMT 2026-14
|
||
|
Start - End Dates:
|
5/19/2026 - 10/22/2026
|
||
|
Deal Loan Count:
|
234
|
||
|
Conditions Report 2.0
|
|||
|
Loans in Report:
|
234
|
||
|
Loans with Conditions:
|
185
|
|
Loan Number
|
Original Principal Balance
|
State
|
Initial Lender ATR/QM Status
|
Loan Level ATR/QM Status
|
Initial Securitization Overall Loan Grade
|
Final Securitization Overall Loan Grade
|
Initial Securitization Credit Loan Grade
|
Final Securitization Credit Loan Grade
|
Initial Securitization Property Valuations Loan Grade
|
Final Securitization Property Valuations Loan Grade
|
Initial Securitization Compliance Loan Grade
|
Final Securitization Compliance Loan Grade
|
Initial S&P Overall Loan Grade
|
Final S&P Overall Loan Grade
|
Initial S&P Credit Loan Grade
|
Final S&P Credit Loan Grade
|
Initial S&P Property Valuations Loan Grade
|
Final S&P Property Valuations Loan Grade
|
Initial S&P Compliance Loan Grade
|
Final S&P Compliance Loan Grade
|
Condition Category
|
Condition Sub Category
|
Condition Status
|
Initial Securitization Condition Grade
|
Final Securitization Condition Grade
|
Initial S&P Condition Grade
|
Final S&P Condition Grade
|
Condition Code
|
Condition Description
|
Condition Material Indicator
|
Initial Comments
|
Client/Seller Response Comments
|
Conclusion Comments
|
TRID Error Type
|
Cure Method
|
Compensating Factors
|
|
175
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Escrow Waiver Fee added to LE XXX without a COC in file. Condition pending receipt of a COC or PCD reflecting
lender's cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
09/22/26 Client provided a missing XXX COC for the initial addition of the Escrow Waiver Fee. Upon re-testing, Zero tolerance still fails by $XXX due to the
increase in the Escrow Waiver Fee on CDs XXX, XXX and XXX without any COCs for these increases in file. Provide the missing COCs for further review, OR provide Borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery with
tracking information.09/28/26 Client provided the missing XXX COC. Condition remains. Provide the missing COCs for the remaining 2 Escrow Waiver Fee increases, on XXX and XXX Additional conditions may apply.10/01/2026 Client provided COC's
XXX only reflecting Lock extension fee added with no mention of Escrow waiver fee and COC XXX reflecting Increase of points, escrow waiver and lock extension fees due to change of loan amount. Retesting results in a zero tolerance of $XXX.
Condition remains. Provide a valid COC reflecting the reason for the increase of the escrow waiver fee from CD XXX-to XXX or PCCD with $XXX cure, copy of cure check. LOE to Borrower and evidence of delivery via tracking. 10/06/26 Client
provided a XXX COC stating the Escrow Waiver Fee increased. Condition remains. There is not a valid change reason stated for why the fee increased. Further change documentation is required to justify the increased Escrow Waiver Fee, OR
provide borrower with a $XXX refund, PCCD, LOE and tracking.10/19/26 Client provided a XXX PCCD, LOE, $XXX check and shipping label. Condition remains. The PCCD is for a different borrower/property, and the check was sent to the incorrect
borrower's address. Provide another PCCD for the subject property, new LOE, refund check to borrower and tracking to the correct borrower/address.10/23/26 Client provided a XXX PCCD for the borrower, LOE, new check and tracking to the correct
address. Delivery confirmed.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at present job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
175
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing evidence to verify taxes and insurance are escrowed into the mortgage payment along with evidence of HOA payment or statement from borrower the property
is not in an HOA (XXX).
|
9.18.2026 Client provided PITI documentation for XXX however appears file is missing Final executed 1003; condition remains for final executed 1003 for review of
all PITIA info9.24.2026 Client provided Final 1003 for loan file and appears to also pay monthly child support (have been added in DTI) was not listed on initial 1003 in file with file having a copy of the executed Divorce Decree supporting
amount being used and Final 1003 supports the full PITIA payment for XXX property (initial condition), iniail 1003 did not include the final PITI for this property, with updated changes and all applicable debts being added in DTI for updated
DTI of XXX%. DU DTI XXX%Condition remains, subject was submitted as Cash out refinance however initial and Final 1003 (declarations letter A) states Will you occupy the property as your Primary residence: Both states as No. Condition
remains, transaction was submitted as Primary Cash out however Borrower states not to occupy as Primary. 10.2.2026 Client provided updated 1003 (correcting declarations to Yes will be Occupying) along with LOX from Borrower stating as being
an error and subject is where currently residing
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at present job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
175
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR275
|
Completed "Subject To" w/o Completion Cert in File
|
No
|
The Appraisal used for valuation is over 6 months old XXX; Note date XXX; Provide a 1004D Re-Cert of value
|
9.18.2026 Client provided 1004D dated 8.25.2026 with certifying subject market value has not declined since the effective date of the original appraisal
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at present job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
175
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing CDA supporting $XXX appraisal value due to no CU score.
|
9.18.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at present job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
175
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA858
|
Natural Disaster Area, no subsequent inspection (Individual & Public)
|
No
|
Appraisal date XXX FEMA disaster #XXX declared XXX
|
9.18.2026 Client provided 1004D with appraiser commenting on subject having no deferred maintenance or damage visible from the street and appears to be in
similar condition as when the original appraisal was performed in XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at present job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
235
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Determine status upon review / receipt of missing T/I/A on REO.
|
5.22.2026 Client provided evidence of taxes/insurance supporting the amount of $XXX however XXX. property appears to be land use as Condo having Unit #XXX,
verify if any monthly HOA and to be included in DTI, if applicable. 5.29.2026 Client provided updated 1003/1008 and DU #6 submission with including monthly HOA of $XXX for XXX property for an updated DTI of XXX % however documentation
supporting the monthly HOA of $XXX was not provided. Condition remains for documentation that supports the $XXX monthly HOA; if exceed $XXX will need to be included in DTI. 6/1 Client provided supporting docs for $XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXXyears with current employer.
|
|
235
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXXyears with current employer.
|
|
235
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
An amount of $XXX per month for insurance, taxes, and HOA dues for XXX investment property was used in qualifying; however, supporting documentation was not in
the loan file. Provide documentation to verify this amount.
|
5.22.2026 Client provided evidence of taxes/insurance supporting the amount of $XXX however XXX property appears to be land use as Condo having Unit #XXX, verify
if any monthly HOA and to be included in DTI, if applicable. 5.29.2026 Client provided updated 1003/1008 and DU #6 submission with including monthly HOA of $XXX for XXX. property for an updated DTI of XXX% however documentation supporting the
monthly HOA of $XXX was not provided. Condition remains for documentation that supports the $XXX monthly HOA; if exceed $XXX will need to be included in DTI. 6/1 Client provided supporting docs for $XXX
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXXyears with current employer.
|
|
254
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections F & H are not disclosed on Final CD XXX Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX/ Subject PITI $XXX= XXX months reserves > program requirement of XXX months.
|
|
126
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Required Affiliate Business Disclosure missing from file, no AFBA form, FACT sheet on file disclosed an affiliate and Lender's affiliate status is not included
on the Affiliated Lender List.
|
09/28/26 Client provided a signed LOE from the Lender stating they do not have a business relationship with any settlement service providers or any other 3rd
party entities in the loan transaction.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
126
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to Increased in Appraisal Fee $XXX to $XXX on Revised LE XXX To Revised LE XXX and Increased in Appraisal Reinspection Fee $XXX to
$XXX on Revised LE XXX To Final LE XXX. Please provide a valid Change of Circumstance(s), or Post Close CD, LOX, copy of refund check to borrower and proof of delivery via shipping that includes tracking information.
|
10/01/2026 Client provided duplicate COC XXX reflecting rate lock and duplicate COC XXX reflecting Lock extension and increase of appraisal fee. Neither COC
reflects the reason for the increases to the Appraisal fee or the Re-inspection fee that were actually increased on XXX and XXX. Condition remains. Provide the changes that occurred resulting in the increases of the Appraisal fee on XXX and
the re-inspection fee on XXX for re-review or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking.10/05/26 Client provided an Email with Seller response asking for clarification on what is needed, as the
Appraisal and Inspection fees increased due to the complexity of the assignment (const-perm, rural area, custom built home). Condition remains. Provide documentation, from the time of the changes, that support these reasons. The COCs in file
did not provide the required details. Subject to re-review.10/09/26 Client provided XXX and XXX Emails with the Appraisal Desk that reflect the turn times and fee amounts, however they do not detail what changed or why the fees were
increased. Condition remains. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery with tracking.10/16/26 Client provided duplicate copies of the 7/16 and 8/18 Emails and the following Per seller - Please see the red
box on page 2 of both emails I re-uploaded from our XXX, XXX XXX. It states we had to change the appraiser, which impacted the appraisal fee and the final inspection fee. Condition remains. The emails do not reflect valid COC reasons for
increasing the fees. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery with tracking.10/23/26 Client provided an Email from Seller and copies of the prior screenshots for re-review. Upon review by internal Compliance
counsel, the increases are accepted with the documentation provided.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
99
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
File is missing evidence of satisfactory XXX month housing payment history.
|
9.15.2026 Client provided duplicate (in file) credit report dated XXX however do not appear to have rental housing payment history being reflected on credit
report provided. Initial condition remains 10.5.2026 Client provided copy of Lease Extension Rider, extended the term of lease agreement (current rental housing) from XXX - XXX under the same terms however still missing most recent XXX months
satisfactory payment history. Condition remains for most recent 12 months satisfactory payment history 10.5.2026 Client provided evidence of XXX + months rental payment history to Landlord (same name on Lease), XXX - XXX payment history
provided, satisfactory. Note: payment is on autopay withdrawn each month and lease is between both borrowers $XXX($XXX each x XXX)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
194
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
194
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Missing proof of net proceeds from the sale of XXX
|
9.28.2026 Client provided executed Seller CD from sale of requested property supporting payoff of existing lien and netting $XXX; closed simultaneously with
subject
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
147
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per Compliance Ease in file initial cd dated XXX was sent to borrower, cd is missing from file. Please provide along with COC and tracking information if
applicable.
|
10/02/26 Client provided the missing XXX COC and Initial CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
147
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
RESPA: Required Affiliate Business Disclosure missing in file, per Lender Affiliate List "Yes - Only in state of XXX: XXX" please provide ABD.
|
09/29/26 Client provided an approved exception for the missing ABD.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
290
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing XXX documents for both borrowers, required to validate the income/losses the borrowers were qualified with; review is calculating a positive income from
the 2024 K-1/1065 XXX with B1 at XXX% and B2 at XXX% interest while lender used a ($XX)/mo. loss for both borrowers. Review is also unable to identify/verify an additional ($XXX)/mo. in K-1 losses for B2.
|
10/9 Income recalculated using Lender loss calculations for C manning builders DTI updated to XXX additional losses, added to DTI
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX reserves required by exception request condition.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|
290
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Waived
|
D
|
B
|
D
|
B
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing lender's income calculation worksheets on form 1084 or equivalent (with liquidity worksheets if applicable) for all income/loss sources being used to
qualify both borrowers. Lender to provide any explanations for individual income/losses calculated that do not equal the figures for the individual sources used to qualify. Review must be able to source the figures used by lender on 1084
worksheets. Specifically, review is calculating a positive income from the 2024 K-1/1065 XXX with B1 at XXX% and B2 at XXX% interest while lender used a ($XXX)/mo. loss for both borrowers. Review is also unable to identify/verify an
additional ($XXX)/mo. in K-1 losses for B2.
|
9.25.2026 Client provided YTD XXX P/L and B/S for the following six (6) businesses: XXX,XXX, XXX, XXX, XXX, XXX and provided YTD XXX P/L for the following nine
(9) businesses: XXX XXX, XXX and XXX., XXX, XXX, XXX, XXX, XXX., XXX. along with a Income Summary Internal draft for each showing the bottom line of positive or net (this is not the calculation only the bottom line of the P/L figure).
Response, initial condition remains for Lender form 1084 for each income and/or losses that is being used for qualifying for BOTH borrowers AND provided comparison calculation with the P/L to insure the lowest of each business calculation is
being used for qualifying. Upon receipt and review, income for each business to be re-viewed along with the applicable P/L to support the lessor calculation for each is being considered, along with liquidity, if applicable for each positive
business). Upon receipt of all requested documentation income to be re-reviewed matched to Lender calculation and/or Lender 1008/1003 10/9 Client asked for a review on review Income recalculated for XXX to Match lender loss per Borrower DTI
updated to XXX10/9 Client provided an approved exception to allow the file without income WS for all entities and without updated 1003/1008 after income recalculation
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs, low LTV, Low DTI , strong reserves
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX reserves required by exception request condition.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|
290
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Waived
|
D
|
B
|
D
|
B
|
CRDINC3258
|
Missing Profit and Loss statement for one or more XXX borrowers
|
No
|
Missing 2025 (and YTD 2026 where applicable) Profit and Loss statements for s/e sources used to qualify both borrowers; only 2024 K-1 and 1065 were provided for
businesses on extension.
|
9.17.2026 Client provided unsigned P/L's for some business however initial condition for end of year 2025 and YTD 2026 P/L for applicable businesses, in addition
provide Primary Source Income: XXX(end of year 2025 and YTD 2026 P/L). 9.25.2026 Client provided end of year 2025/2024 Profit/Loss and Balance Sheet (completed by CPA) for Primary Income w/XXX and provided an P/L YTD XXX for XXX that shows a
loss of -$XXX (appears to be pertaining to the Primary source income); condition remains, (a). missing YTD 2026 P/L and to be signed/dated for Primary source income w/XXX and (b). clarify this YTD June 2026 P/L with loss for business XXX that
was provided. 10/9 Client provided an approved exception to allow the file without income WS for all entities and without updated 1003/1008 after income recalculation losses added to DTI
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs, low LTV, Low DTI , strong reserves
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX reserves required by exception request condition.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|
290
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
LTV/CLTV
|
Waived
|
B
|
B
|
B
|
B
|
CRDLTV5736
|
LTV Exceeds Guideline Requirement by less than 5%
|
No
|
XXX% LTV exceeds the XXX program max XXX% for a Cash-Out Primary with loan amount $XXX.
|
8.31.26- Client provided an approved exception request for exceeding LTV and loan amount maximums.
|
8.31.26- Upon further review Sr XXX UW determined the exception request approved XXX could not be validated due to missing income documentation required to
validate how the borrowers' XXX income/loss was qualified.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX reserves required by exception request condition.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|
290
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
B
|
B
|
B
|
B
|
CRDTER110
|
Loan amount exceeds guideline maximum
|
No
|
$XXX loan amount exceeds the XXX maximum of $XXX for a primary cash-out refinance.
|
8.31.26- Client provided an approved exception request for exceeding LTV and loan amount maximums.
|
8.31.26- Upon further review Sr XXX UW determined the exception request approved XXX could not be validated due to missing income documentation required to
validate how the borrowers' XXX income/loss was qualified.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX reserves required by exception request condition.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|
269
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX DTI is below guideline maximum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: B2 have been in the same profession for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|||||||||||||||
|
36
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
CD XXX in file is a draft. File is missing Final CD signed at closing. Completed CD is required for further testing. Additional conditions may apply.
|
08/27/2026 Client provided a CD dated XXX that is e-signed by the Borrowers Post closing on XXX. Disclosure tracking also provided reflecting the document was
also viewed on XXX. Condition remains for the Final CD signed at and provide to the Borrowers at the time of consummation and evidence of receipt for final testing and re-review.09/03/2026 Client provided an LOE reflecting the final CD was
sent on XXX for electronic signature after it was determined that the title agent had not downloaded it. The oversight was identified during review of the funding documents and sent through a secure platform for electronic signature.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
395
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
List of homeowners counseling organizations in file is dated XXX and Application date is XXX XXX Provide the missing HC List issued within 3 days of Application
(per documentation in file, Initial Disclosures were sent on XXX).
|
09/10/26 Client provided an approved exception for the HC List timing violation.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 97 points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
|
|
395
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure
|
09/10/26 Client provided an approved exception for the missing ABD.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 97 points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
|
|
395
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Loan Estimate not timely as Initial LE in file was issued on XXX and Application date is XXXProvide the missing Initial LE issued within 3 days of Application
(per documentation in file, Initial Disclosures were sent on XXX).
|
09/16/26 Client provided the missing XXXInitial LE and SPL.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 97 points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
|
|
395
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
XXX Client provided the missing XXX Initial LE and SPL. Fee baseline re-testing results in a Zero tolerance violation of $XXX due to the added Points and 2nd
Appraisal fees on the XXX Revised LE without a COC in file. Provide the missing COC for the fee additions on the XXX LE for further testing. Additional conditions may apply.
|
09/22/26 Client states documents uploaded for this exception for review on XXX however no documents found. Please re-send.09/23/26 Client provided copies of the
2nd Appraisal report (dated XXX). Condition remains. The file is missing the required change in circumstance documentation for adding a 2nd Appraisal, in addition to the added Points. Provide the missing COC for the fee additions on the XXX
LE for further testing. Additional conditions may apply.09/28/26 Client provided the Disclosure Timeline, XXX LE, XXX COC, XXX LE, XXX COC, XXX LE, XXX CD and XXX CD. Per the Timeline, it does not appear the XXX LE was delivered. Condition
remains. The Zero tolerance testing still fails by $XXX due to the added Points and 2nd Appraisal Fee on the XXX LE that was just provided (this LE was missing from the original file). The XXX COC does not establish a valid change in
circumstance reason/explanation for these fee additions. Provide valid change documentation for the added Points and 2nd Appraisal Fee on the XXX LE, OR provide borrower with a $,XXX refund, PCCD with cure, LOE and proof of delivery with
tracking.10/02/26 Client provided a screenshot of the XXX COC along with the internal Notes reflecting the explanation that borrower requested a Loan Amount increase (now over $XXX) which would impact Points and now requires a 2nd Appraisal.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 97 points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
|
|
395
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR4463
|
UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP
|
No
|
File is missing the UCDP report.
|
9.11.2026 Client provided copy of subject appraisal and copy of FNMA CU Score however FNMA CU Score do not appear to go with appraisal provided. Condition
remains 9.16.2026 Client provided UCDP CU Score XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 97 points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
|
|
395
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation supporting appraised value of $XXX.
|
9.11.2026 Client provided copy of subject appraisal and copy of FNMA CU Score however FNMA CU Score do not appear to go with appraisal provided. Condition
remains 9.16.2026 Client provided CU Score XXX matching appraisal in file with value of $XXX however previously provided CU Score with value of $XXX with appraiser XXX dated XXX; Lender to clarify is there another appraisal with value of $XXX
for loan file, due to the prior CU Score that was provided for was the missing appraisal. 9/22 Client provided 2nd 1004 XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 97 points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
|
|
101
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Discount points increased from revised CD XXX $XXX to revised CD XXX $XXX, decreased to $XXX on final CD. COC issued XXX does not list amount of increase or any
details as to why points increased. No Rate Lock pricing indicating any change in loan amount, expiration date or LTV to validate this increase. No cure provided on final CD. Condition pending receipt detailed COC with fee addition validated
or Post CD reflecting lenders cure, LOX, Refund of $XXXw/ Proof of Delivery.
|
10/16/26 Client provided an LOE, XXX PCCD with cure, $XXX check and proof of delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months reserves, XXX months reserves required or $XXX. EMD
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
23
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. ALTA Settlement Statement in file and able to trace all fees.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
366
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per Disclosure Tracking and XXX, the file is missing Loan Estimates issued on XXX, XXX and XXX. Condition pending receipt of all missing disclosures along with
their corresponding COCs.
|
09/08/2026 Client provided missing LE's XXX, XXX and LE XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
|
|
366
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC869
|
Mortgage not signed
|
No
|
Copy of Mortgage in file is missing Borrower signatures. Condition pending receipt of fully executed copy of mortgage.
|
09/08/2026 Client provided the fully executed, recorded Mortgage with signature, notary pages and Riders.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
|
|
366
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to increase in Appraisal Fee, addition of a 2nd Appraisal, 2 Appraisal Desk Reviews and Tax Service Fee without a valid
COC in file. A lender credit in the amount of $XXX is disclosed; however, it does disclose the credit as a lender cure. Condition pending receipt of a valid Change of Circumstances or PCCD reflecting lender's cure, LOE to borrower, a copy of
refund and proof of delivery via shipping that includes tracking information.
|
09/08/2026 Client provided Missing LE's XXX with COC, LE XXX and XXX with COC. Retesting results in a Zero tolerance of $XXX due to (1) Addition of Appraisal
Desk fee of $XXXand (2) Tax Service fee $XXX in section A, (3) Addition of Appraisal Desk review $XXX and (4) 2nd appraisal fee $XXX further increased on CD XXX to $XXX in section B with no valid reason COC for XXX or XXX in file. Also, (5)
Increased Appraisal fee of $XXX on LE XXX, the reason stated on COC XXX is increase due to change in loan program, this was assigned to XXX- property rate, The increase is due to an XXX fee and is not a valid reason. Provide the changes that
occurred on the loan that resulted in all of these increases for re-review and re-testing or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 09/22/26 Client provided an LOE from Lender with a missing
XXX COC and copy of the XXX LE. The Program changed from VA to Conv Jumbo which directly impacted the Appraisal related charges and Tax Service Fee. Re-testing still results in a tolerance violation of $XXX for the increased original
Appraisal Fee and increased 2nd Appraisal Fee. Borrowers are due a $XXX refund, PCCD with cure, LOE and proof of delivery with tracking.10/15/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and delivered XXX shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
|
|
260
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
B
|
B
|
B
|
CMPROR117
|
ROR - Expiration date on form prior to end of rescission period
|
No
|
ROR dated XXX and signed XXX with an expiration date of XXX. Borrower was not given full 3 days of rescission. Condition is pending re-opening ROR to all title
holders, LOX and proof of delivery with tracking information.
|
09/22/2026 Client provided re-opened H8 right to cancel forms for both reflecting expiration date midnight of XXX, LOE and delivered XXX. Condition remains for
end of rescission period. 09/24/26 The new rescission period is now expired.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: > XXX years at job
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
278
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPMAN2990
|
1003 - Final Application is not Accurate
|
No
|
1003 address history does not match the documentation in loan file. Per LOE borrower has rented a home at XXX. Documentation subject to further review,
additional conditions may apply
|
9.17.2026 Client provided updated 1003 adding additional address where was living short term while subject was under remodeling
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX
|
|
278
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
Credit
|
Potential Misrepresentation
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDPMR1799
|
Potential misrepresentation of occupancy
|
No
|
Per insurer letter, the hazard insurance policy is a rental dwelling policy, but the application indicates subject is owner occupied.
|
9.17.2026 Client provided Lender LOX stating on the RCE (estimated replacement cost) having no idea reason for stating being a rental dwelling policy. Response,
condition remains to be addressed from HOI due to there is also another condition on file for occupancy issue and now having RCE reflecting as a rental dwelling policy contract. Condition remains from HOI clarifying not being a rental
dwelling policy contract as stated on the RCE in file. 9.24.2026 Client provided Utility bill along w/LOX in collaborate stating not an occupancy issue and with email from prior landlord stating ending lease where currently was living.
Response, at any time this lease (that was just ended could be re-instated as per Landlord), prior update was not addressed with HOI, remains. Condition for prior documentation remains, HOI clarification clarifying not being a rental dwelling
policy as stated on the RCE in file (pg 203). In addition REO of (both) 1003 (Initial and Final) for subject property states subject occupancy as Investment vs Primary. Note: when there are documentation that contradicts other documentation
of transaction, this must be addressed/documented for review. 10.2.2026 Client provided Lender LOX Processor Cert verifying spoke to XXX regarding RCE reflecting as rental and HOI policy not reflecting as a rental policy and stating must
have been an issued in error and provided updated 1003 correcting (REO of 1003) showing as Primary vs Investment (marked as error), Borrower was renting while subject property was under renovation with appraisal reflecting the same (was under
renovation, subject underwent a completely rehabbed/per appraisal).Previously verified with Landlord where was renting Borrower have since vacated as of July now subject is ready for move in.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX
|
|
278
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR119
|
Appraisal documentation does not support occupancy
|
No
|
Appraisal shows subject is vacant and per LOE dated XXX the borrower resided at XXX for the past XXX months and their existing lease was terminated the week
prior with no supporting documentation. Provide evidence supporting owner occupancy. Documentation subject to further review, additional conditions may apply
|
9.17.2026 Client provided Lender email along with Borrower email regarding having no lease where the short term rental was and LOX email from property manager
verifying receiving communication to end the lease
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX
|
|
77
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Initial CD dated XXX is not signed and there is no evidence in file of when it was delivered to borrower. Provide proof of borrowers receipt of initial CD.
|
09/16/26 Client provided an e-signed copy of the Initial XXX CD and Audit Trail. Condition remains. The CD was not confirmed received by the non-borrowing title
holder until XXX. Loan closed on XXX. Required waiting period not met.09/28/26 Client provided a wet signed copy of the XXX CD confirming receipt by all parties on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
77
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Borrower Credit Inquiry dates do not correspond.Subject was purchased XXXSubject loan refi application date XXXLOE dated XXX: 'The credit inquiry for XXX on XXX
was for this refinance transaction. Nonew liability resulted from the inquiry.' Provide updated LOE; may be subject to additional conditions upon review.
|
9.23.2026 Client provided Lender LOX stating Borrower was working with XXX prior to the acquisition of the subject property, prior credit report pulled on XXX
for this transaction. No New Liability.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
77
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
1. Provide liquidity worksheet for 1120s2. Provide executed signature pages for 24 + 23 1120s May be subject to additional conditions upon review.
|
9.24.2026 Client provided executed 1120S 2023 for 1120s business however still missing business liquidity worksheet for 1120S and pg 1 signed dated 2024 1120S
(only 1120s 2023 provided). 9/25 Client provided signed 24 1120s and liquidity WS
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
77
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Underwritten as delayed financing.Per FNMA:'Requirements for a Delayed Financing Exception:1. The original purchase transaction was an arms-length transaction.
(unsecured loan is from Borrower's parents per docs in file)2. The original purchase transaction is documented by a settlement statement, which confirms that no mortgage financing was used to obtain the subject property. (A recorded trustee's
deed (or similar alternative) confirming the amount paid by the grantee to trustee may be substituted for a settlement statement if a settlement statement was not provided to the purchaser at time of sale.) (please provide)3. The preliminary
title search or report must confirm that there are no existing liens on the subject property. (pending update)4. The sources of funds for the purchase transaction are documented (such as bank statements, personal loan documents, or a HELOC on
another property). (provide)5. If the source of funds used to acquire the property was an unsecured loan or a loan secured by an asset other than the subject property (such as a HELOC secured by another property), the settlement statement for
the refinance transaction must reflect that all cash-out proceeds be used to pay off or pay down, as applicable, the loan used to purchase the property. Any payments on the balance remaining from the original loan must be included in the
debt-to-income ratio calculation for the refinance transaction.Note: Funds received as gifts and used to purchase the property may not be reimbursed with proceeds of the new mortgage loan.6. The new loan amount can be no more than the actual
documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees, and points on the new mortgage loan (subject to the maximum LTV, CLTV, and HCLTV ratios for the cash-out
transaction based on the current appraised value).' ** May be subject to additional conditions upon review.
|
9.23.2026 Client provided duplicate (in file) documentation that was reviewed at initial review. Initial condition remains 9/24 Client asked for review; 1.
Subject transaction appears to be ARMS length, 2.Client provided evidence of unsecured loan from parents and 3. settlement statement showing PP and funds to close . 4. Funds from unsecured loan documented, 5 Client provided Prelim title
showing free and clear;
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
77
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Provide updated DU findings due to the following; may be subject to additional conditions upon review.'23. Based on the loan application data, the property is
located in a condominium, cooperative, or PUD project. However, the typeof project was not provided. Update the loan application with the applicable project indicator and resubmit the loan casefile toDU. (MSG ID XXX)'
|
9.22.2026 Client provided updated DU #9 with property type as Detached (and #23 being removed from prior DU
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
77
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
C
|
B
|
C
|
B
|
CRDTER4631
|
Loan parameters do not meet guidelines
|
No
|
Delayed financing. Subject was purchased XXX. Below are in file from Borrower's family members. 1. Page 129 + combined file : Gift letter for prior transaction,
referencing a mortgage for XXX, is dated post close XXX2. Page 349 + combined file: Letter reflecting a formal loan agreement for XXX, is dated post close XXX
|
9.23.2026 Client provided duplicate (in file) documentation that was reviewed at initial review. Initial condition remains 9/24 Client asked for clarification;
on review Gift letter and loan agreement are post close dated; Provide documents dated prior to close XXX Client provided Lender LOX stating, in the content of the letters provided, is that all parties were waiting for purchase, sale of
residence and refinance transaction to occur before solidifying final numbers for the formal Note, not Mortgage, to be established representing remaining amount owing back to parents trust. This was verbally explained to me and also supported
in the letters. This was an exchange through family and they wanted to simply the exchange and formalize once all 3 transactions were completed. It appears the dates of the letters may be of issue, however the content refers to a future Note
that in the end was not needed. Nothing further should be needed to satisfy this condition. Response, it appears the initial condition was pertaining to all documentation being post close dated and prior update requested for prior to closing
dated documentation, in which appears would not have any prior to closing documentation due to all documentation (per initial condition) in file is dated post close. Initial condition remains 9/25 Client provided an approved exception to
allow the file with post close dated documents as described.
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs, low DTI
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
77
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL865
|
Title incomplete
|
No
|
1. Lender submitted as Delayed financing. Prelim title Exception '10. Please be advised that our search did not disclose any open Deeds of Trust of record. If
you should haveknowledge of any outstanding obligation, please contact the Title Department immediately.In order to close this pending transaction, we will need the following information:1. Completion of the attached Owners Declaration2.
Completed Escrow Owner Information Sheet3. A statement from escrow providing the complete name of the account that proceeds are going to.The Company reserves the right to add additional items and/or make further requirements after review of
therequested documentation.'Owner's Declaration in file is not executed Docs in file show a prior Mortgage to XXX also which is is being paid on Subject CD.Tile company to confirm no prior mortgages.2. Title supplement XXX shows Proposed
Insured : Benchmark Loan Servicing, Note reflects: XXX dba XXX. Provide updated matching docs. May be subject to additional conditions upon review.
|
9.15.2026 Client provided duplicate (in file) subject CD however don't appears to be for this condition. Initial condition remains 9.22.2026 Client provided
duplicate (in file) Title with #10 still being reflected on Title. Initial condition remains 9.24.2026 Client provided supplemental Report along with executed Owners declarations for subject transaction along with email addressing other
items: #3 from initial condition: Completed Escrow Owner Information Sheet (email says N/A) and (b). #4 from initial condition: A statement from escrow providing the complete name of the account that proceeds are going to (email from title
company provided states: proceeds were sent to XXX.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
224
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|||||||||||||||
|
112
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Provide evidence of distributions
|
8.31.2026 Client provided disbursement for closing funds however initial condition remains. This is pertaining to income 9.9.2026 Client provided duplicate (in
file pg 508, 295, 296) XXX Trust Letter for each borrower and XXX Trust banking print out transaction history for XXX - XXX however initial condition remains 9/15 Client provided letters from XXX Trust indicating unencumbered funds of $XXX,
and $XXX; On review the letters are insufficent evidence of recurring monthly distributions; Condition remains 9/23 Client provided sufficnet assets for continuance
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years XXX months at current home
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV with MAX LTV XXX
|
|
112
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC806
|
Notary Status is missing
|
No
|
Mortgage is missing Notary Acknowledgement page.
|
08/31/26 Client provided the missing page 13 of the Mortgage that reflects the Notary signature.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years XXX months at current home
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV with MAX LTV XXX
|
|
112
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPROR2043
|
Cannot determine if funding date is after rescission period
|
No
|
Condition pending receipt of missing ROR & missing Mortgage Notary Acknowledgement Page
|
08/31/26 Client provided the missing ROR's and Notary page.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years XXX months at current home
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV with MAX LTV XXX
|
|
112
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPROR4407
|
ROR - No evidence that the material disclosures were delivered to all with rescission rights via TIL, CD or HELOC, as applicable
|
No
|
Missing the Initial CD and RORs.
|
08/31/26 Client provided the missing ROR's and Initial CD delivered to all parties.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years XXX months at current home
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV with MAX LTV XXX
|
|
112
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPROR5345
|
ROR - Missing or Incomplete Right of Rescission form
|
No
|
Missing Right of Rescission form
|
08/31/26 Client provided the missing ROR's.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years XXX months at current home
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV with MAX LTV XXX
|
|
112
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Texas Home Equity
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTXHE118
|
Texas Equity - Affidavit of Fair Market Value not signed by borr/owners
|
No
|
TX EQ Affidavit of Fair Market Value not signed by borrowers
|
08/31/26 Client provided the TX FMV Affidavit and Acknowledgment signed by all parties at Closing.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years XXX months at current home
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV with MAX LTV XXX
|
|
112
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Texas Home Equity
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTXHE119
|
Texas Equity - Affidavit of Fair Market Value not signed by lender
|
No
|
TX EQ Affidavit of Fair Market Value not executed by lender.
|
08/31/26 Client provided the TX FMV Affidavit and Acknowledgment signed by all parties at Closing.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years XXX months at current home
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV with MAX LTV XXX
|
|
112
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Initial CD XXX is not signed and there is no evidence in file of when it was delivered to borrower. Product not disclosed at least three day prior to closing.
|
08/31/26 Client provided the missing Initial XXX CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years XXX months at current home
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV with MAX LTV XXX
|
|
112
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Initial CD dated XXX is not signed and there is no evidence in file of when it was delivered to borrower. Provide proof of borrowers receipt of initial CD.
|
08/31/26 Client provided the missing Initial XXX CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years XXX months at current home
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV with MAX LTV XXX
|
|
112
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Missing Lenders QM determination
|
9.30.2026 Client provided Lender Mavent w/QM Safe Harbor status determination
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years XXX months at current home
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV with MAX LTV XXX
|
|
112
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Missing evidence of Distributions for both Borrowers $XXX B1 and $XXX B2; Must show Date distribution established amount of distribution and evidence it is
recurring and statement from account used for distributions with sufficient amount available to ensure continuance
|
8.29.2026 Client provided some loan documents however nothing pertaining to this condition. Condition remains 8.31.2026 Client provided disbursement for closing
funds however initial condition remains. This is pertaining to income 9.9.2026 Client provided duplicate (in file pg 508, 295, 296) XXX Trust Letter for each borrower and XXX Trust banking print out transaction history for XXX - XXX however
initial condition remains 9/23 Client asked for a review; on review Continuance is supported using aggregate of asset accounts for each Borrower wich is sufficent to support XXX months
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years XXX months at current home
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV with MAX LTV XXX
|
|
112
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
File reviewed to XXX AUS; Missing AUS approval; Subject to review additional conditions may apply
|
8.29.2026 Client provided DU AUS submission #4
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years XXX months at current home
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV with MAX LTV XXX
|
|
145
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
145
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to increase in Credit Report Fee on LE XXX. Missing a Change of Circumstance, or Post CD reflecting lenders cure, LOX, a copy of
refund and proof of delivery including shipping details and tracking information.
|
10/08/26 Client provided the missing XXX COC.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
145
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing VOR. A VOR must be obtained reflecting XXX in the last XXX(XXX) months. Applies to all borrowers on the loan.
|
10.5.2026 Client provided current and prior VOR satisfactory housing payment history
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
134
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|||||||||||||||
|
206
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support XXX Appraised Value
|
9/2 Provide a CDA or CCA supporting the value 9.8.2026 Client provided duplicate (in file) appraisal however missing 3rd party valuation supporting value.
Condition remains 9.14.2026 Client provided Fannie Mae UCDP for Appraisal 1 (XXX) and Appraisal 2 (VVV) and LCA (no score), file was approved LP which would allow for FHLMC LCA score (however not scored) but, it appears this transaction have
two separate appraisals: Appraiser name: XXX (is in file) other appraisal name: XXX (missing from file). Condition remains for copy of 2nd appraisal with appraiser name XXX for review of value being supported. Note: subject appears to be
subject to completed however appraiser (XXX) completed as is (also reflect the same per Lender UW comments in file pg 738), if applicable 1004D is missing from file. 9.17.2026 Client provided 3rd party CDA valuation supporting appraised value
of $XXX however prior updated was not addressed. Condition remains for this to be addressed: it appears this transaction have two separate appraisals: Appraiser name: XXX (is in file) other appraisal name: XXX (missing from file). Condition
remains for copy of 2nd appraisal with appraiser name XXX for review of value being supported. Note: subject appears to be subject to completed however appraiser (XXX) completed as is (also reflect the same per Lender UW comments in file pg
738), if applicable 1004D is missing from file. 9.24.2026 Client provided copy of additional appraisal (w/appraiser name: XXX) with value of $XXX dated XXX completed subject to and file having copy of 2nd appraisal (w/appraiser name: XXX)
with value of $XXX dated XXX completed as is and with review of both appraisals appears 1st appraisal was done before subject got final completed (reason for subject to completion) and 2nd appraisal that was completed a month later is as is
with photos showing subject interior/exterior is completed (reason for as is). In addition, lowest of the two appraisals value is being used for LTV/CLTV calculation and previously provided a CDA supporting value of the lowest appraisal value
that is being used for this transaction
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX
|
|
88
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Provide documentation for the escrows for the following properties. The documents in file do now show which property goes with which document.XXX -
$XXX/monthXXX - $XXX/monthXXX - $XXX/month
|
(No Data)
|
located in file
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months XXX on current mortgage
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
88
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Missing signed pg 1 of XXX
|
10.14.2026 Client provided executed pg 1 of 1120S 2025 for requested business
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months XXX on current mortgage
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
88
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Per 1003 and document from borrower (pg 437) REO is stated XXX. However 2025 Schedule E shows XXX Provide correction
|
10.19.2026 Client provided updated 1003 correcting address from XXX to XXX (per Schedule E)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months XXX on current mortgage
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
2
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not all fees included on Borrower Final CD XXX, Seller fees have been sourced on the Seller CD, Condition Satisfied.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: Guideline max LTV is XXX%, qualifying LTV XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX for XXX years.
|
|
2
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Missing Initial Closing Disclosure Dated XXX, please provide along with any COC and tracking information if applicable.
|
09/24/26 Client provided the missing XXX Initial CD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: Guideline max LTV is XXX%, qualifying LTV XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX for XXX years.
|
|
2
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing Initial Closing Disclosure Dated XXX, please provide along with any COC and tracking information if applicable.
|
09/24/26 Client provided the missing XXX Initial CD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: Guideline max LTV is XXX%, qualifying LTV XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX for XXX years.
|
|
2
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID4579
|
TRID - CD: Missing Initial CD
|
No
|
Missing Initial Closing Disclosure Dated XXX, please provide along with any COC and tracking information if applicable.
|
09/24/26 Client provided the missing XXX Initial CD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: Guideline max LTV is XXX%, qualifying LTV XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX for XXX years.
|
|
6
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Earliest LE in file is dated XXX which is more than three days from Application Date XXX. Missing LE issued at Application.
|
09/23/2026 Client provided the missing Initial LE dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: B2 WVOE shows additional bonus income of $XXX per month (2024/2025 average) that was not used to qualify.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
|
|
6
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
***XXX Review of Initial LE provided. Zero tolerance of $XXX due increase of Discount points on the Final CD XXX with no COC or rate lock located in file.
Provide COC reflecting the reason for the increase or the Rate lock reflecting the Points for re-review or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking.
|
09/28/26 Client provided a missing XXX CD, COC and Tracking for the Lock Extension, Loan Amount and DTI changes.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: B2 WVOE shows additional bonus income of $XXX per month (2024/2025 average) that was not used to qualify.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
|
|
275
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has been living at current residence for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
275
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation.
|
No
|
Recording fee increase from final LE XXX $XXX to initial CD XXX $XXX. Exceeds allowable XXX% variation or $XXX. No COC form provided listing fee amount or any
details as to why fee increased. No cure provided on borrower final CD. Condition pending receipt detailed COC with increase validated or Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery.
|
08/28/26 Client provided an XXX COC. Condition remains. The COC does reflect a valid change in circumstance reason (need to record additional unanticipated
documents such as release or prior lien). Subject is a Purchase. Provide further details explaining what unanticipated documents were required that resulted in an increase to the Recording Fee. Subject to re-review.09/11/26 Client provided a
Seller explanation and a revised XXX PCCD. Condition remains. Provide a copy of the Final signed/stamped ALTA or Settlement Statement matching the revised values on the PCCD for re-testing.09/24/26 Client provided the Final Master Settlement
Statement and Disbursements Summary.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has been living at current residence for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
275
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2354
|
Asset Verification In File is Incomplete Per Requirements
|
No
|
Missing subject to proof of receipt of gift funds of $XXX.
|
8.28.2026 Client provided wire activity notification of $XXX however do not state whom this wire is coming from, unable to determine given by donor. Condition
remains to document this wire coming from donor to Title company. Condition remains to document wire of $XXX coming from donor. 9.23.2026 Client provided evidence of $XXX wired to Title company coming from Donor and provided Final HUD-1
supporting deposit on HUD-1; coming from XXX XXX and provided copy of XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has been living at current residence for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
394
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Missing Income Documents to Support B1 Income of $ XXX/ Month as reflected on 1003 & 1008
|
9.30.2026 Client provided Written VOE for B1 (dated XXX) for current employment started XXX and for prior employment income ended XXX supporting monthly income
used for qualifying with current employment.Written VOE covering YTD 2026 and prior two years (2024/2025 and YTD 2026) between current and prior employment
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
|
|
47
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years at current job.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX years XXX months at current residence.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
|
|
225
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Determine ATR/QM status upon review/ Missing B2 Marital Settlement Agreement to verify child support obligations
|
10.1.2026 Client provided copy of Modification of Child support verifying B2 monthly obligation of $XXX per week
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B2 have been in the same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX.
|
|
225
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL988
|
Loan File is Missing or Contains Insufficient Documentation for Basic Review
|
No
|
Missing a copy of B2's Marital Settlement Agreement for child support expense in the amount of $XXX. Borrower provided the summary decree of dissolution of
marriage which is missing this expense. May require additional conditions upon review.
|
10.1.2026 Client provided copy of Modification of Child support verifying B2 monthly obligation of $XXX per week
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B2 have been in the same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX.
|
|
399
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has XXX years with current employer.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|||||||||||||||
|
342
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation.
|
No
|
XXX% tolerance in the amount of $XXX due to increased/ added Title fees with no valid COC in file. Fees are in B. section and title provider was selected from
SPL. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
08/28/26 Client provided a duplicate copy of the XXX COC. Condition remains. The COC does not reflect a valid change in circumstance for the added/increased
Title Fees paid to the SPL provider. Borrower is due a refund of $XXX, PCCD, LOE and proof of delivery with tracking.09/03/26 Client provided an Email from Seller with LOE to borrower and PCCD moving the Title fees to Section C. Seller
stated, just because borrower went with the provider on the SPL, the fees can be in Section C. The borrower still had the option to shop but chose to go with the provider on the SPL. Condition remains. As borrower chose the provider on the
SPL and did not shop/choose a different provider, the Title fees are held to the XXX% tolerance. Borrower is due a refund of $XXX, PCCD, LOE and proof of delivery with tracking.10/02/26 Client provided a XXX PCCD, LOE, $XXX check and tracking
(delivery confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX
|
|
193
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT106
|
Finance charge understated by more than $100 (Pmt Stream)
|
No
|
Finance charge understated by $XXX. Lender did not include the Real Estate Closing Fee $XXX in APR calculation.
|
10/01/26 Client provided an LOE to Borrower and 4 copies of a XXX PCCD adding $XXX to the total Lender Credit and correcting the Loan Calculations. Condition
remains. Provide the $XXX refund check and proof of delivery that includes the tracking information.10/07/26 Client provided an LOE, shipping label and refund check (delivery confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: Guideline max LTV is XXX%, qualifying LTV is XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: Additional commission income of $XXX per month (conservative 2025 average) was not used in qualifying.
|
|
193
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT4372
|
TILA/TRID-Disclosed Amount Financed is higher than XXX's calculated Amount Financed
|
No
|
Finance charge understated by $XXX. The Lender did not include the Real Estate Closing Fee $XXX in APR calculation.
|
10/01/26 Client provided an LOE to Borrower and 4 copies of a XXX PCCD adding $XXX to the total Lender Credit and correcting the Loan Calculations. Condition
remains. Provide the $XXX refund check and proof of delivery that includes the tracking information.10/07/26 Client provided an LOE, shipping label and refund check (delivery confirmed).
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: Guideline max LTV is XXX%, qualifying LTV is XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: Additional commission income of $XXX per month (conservative 2025 average) was not used in qualifying.
|
|
193
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit
or refund provided
|
No
|
Zero tolerance in the amount of $XXX due to Appraisal Fees were added, Discount Points and Transfer Taxes increased without a COC in file. A Lender Cure for $XXX
was disclosed; however, an additional $XXX is required. Condition pending receipt of COCs or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
09/18/26 Client provided screenshots of the XXX and XXX COCs. Upon re-testing, Zero tolerance still fails by $XXX due to the 2 additional Appraisal
Re-Inspection fees added without valid change reasons provided ($XXX added on CD XXX and another $XXX added on CD XXX). Provide valid change documentation to support these additions, OR provide borrower with a $XXX refund, PCCD with cure, LOE
and proof of delivery with tracking.09/25/26 Client provided screenshots from Lender reflecting the dollar amounts for the 1004D and 1004-URAR. Condition remains. Without valid change documentation, at the time of the fee re-disclosures, the
charges are not considered valid and borrower is due a refund. The Appraisal in file was completed on 8/10 and listed "as-is". The XXX and XXX COCs did not reflect valid change reasons for adding the 2 Re-inspection fees. Provide a $XXX
refund, PCCD with cure, LOE to borrowers and proof of delivery with tracking.09/25/26 Client provided another screenshot from Lender that shows the XXX Loan/Appraisal Notes explaining the reason the initial Final Inspection (pending repairs).
Re-testing still results in a $XXX additional violation for the 2nd Re-Inspection Fee without a valid reason. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery with tracking information.10/01/26 Client provided an
LOE to Borrower and 4 copies of a XXX PCCD with the $XXX 2nd Re-Inspection Fee removed. Condition remains. Provide the $XXX refund check and proof of delivery that includes the tracking information.10/07/26 Client provided an LOE, shipping
label and refund check (delivery confirmed).
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: Guideline max LTV is XXX%, qualifying LTV is XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: Additional commission income of $XXX per month (conservative 2025 average) was not used in qualifying.
|
|
82
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per Disclosure Tracking Summary, Loan Estimates were issued on XXX and XXX which are missing from file. Condition pending receipt of missing disclosures along
with corresponding COCs.
|
09/17/26 Client provided the missing XXX LE and XXX LE packages.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
82
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure
|
09/10/26 Client provided an approved exception for the missing ABD.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
82
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
09/17/26 Client provided the missing XXX LE and XXX LE packages. On the XXX LE, a $XXX CDA Fee was added, however the XXX COC does not reflect a valid change
reason/explanation. Provide further documentation, from the time of the change, to support a valid change reason. Subject to re-testing. Additional conditions may apply.
|
09/18/26 Client provided an Email response from Seller that includes screenshots of the Appraisal receipt date and the UCDP score over allowed tolerance; CDA
required.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
82
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
File is missing 3rd party verification of value.
|
9.16.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
79
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Documentation
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPDOC3076
|
Legal document was not executed or is incomplete
|
No
|
DOT missing Notary date; Notary is present.
|
09/16/26 Client provided the full DOT with the completed Notary acknowledgment and date.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current job, XXX years
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: B2 has significant time at current job, XXX years XXX months
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: Additional documented income (Bonus for B2) not used in qualifying
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
|
|
79
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition
Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current job, XXX years
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: B2 has significant time at current job, XXX years XXX months
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: Additional documented income (Bonus for B2) not used in qualifying
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
|
|
79
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
0% in the amount of $XXX due to increase in Transfer Tax on initial CD XXX. COC dated XXX in file indicates the increase however no valid reasons are documented
as to why fee increased. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
09/29/26 Client provided a XXX PCCD, $XXX check, LOE and tracking (delivery confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current job, XXX years
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: B2 has significant time at current job, XXX years XXX months
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: Additional documented income (Bonus for B2) not used in qualifying
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
|
|
355
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|||||||||||||||
|
391
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Appraisal Re-Inspection fee increased on CD XXX without a valid COC in file. Condition pending receipt of a valid COC
or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
09/28/2026 Client provided PCCD XXX reflecting cure of $XXX required and an additional amount, LOE and loan transaction history reflecting payment applied.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX x XXX= $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
239
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|
239
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
XXX% tolerance in the amount of $XXX due to added Survey fee $XXX on final CD XXX C. section with no any providers for this service listed on SPL (fee is tested
for 0% violation) and added Appraisal Rush fee $XXX on initial CD XXX with no valid reasons documented on COC XXX (missing borrower's request for rushed Appraisal). Condition is pending receiving PCD reflecting lenders cure, LOE to borrower,
a copy of refund and proof of delivery via shipping that includes tracking information.
|
09/14/26 Client provided a post review LOE from loan officer dated XXX stating they spoke with the borrower on XXX regarding program options. Pricing with client
was better and lock with reduced rate would require an appraisal and rush. Borrower agreed to rush and pay for the appraisal to receive the reduced rate. Condition remains. To validate a Rush Appraisal fee, documentation from the borrower at
the time of the change is required (LOS Notes of the conversation, Borrower correspondence, etc). Provide the evidence of the conversation from XXX for review. In addition, a Survey fee was added on the Final CD with no COC and no provider
option on the SPL for this service. Provide the missing COC for review, if available. Subject to re-review. Additional conditions may apply.09/28/26 Client provided a XXX PCCD, LOE, COC, $XXX check and tracking (delivery confirmed). The COC
indicates the Survey Fee was misplaced on the Final CD and moved correctly to Section H.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|
271
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDDTI105
|
Debt Ratio Exception 5% or Less
|
No
|
Qualify DTI: XXX% Max DTI: XXX%The difference is due to XXX. REO having XXX monthly HOAs, appears Lender only included one.
|
10.8.2026 Client provided updated 1003 with considering two monthly HOA for REO property and adding bonus income of $XXX verified with YTD XXX and prior years
end of year paystubs (XXX) along with DU for updated DTI of XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX x XXX for XXX months
CFCFS1734: Borrower has significant time at current job
- XXX Comments: > XXX years at job
|
|
271
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Loan is XXX XXX YR.CU 1.0 score used to support Appraised value.Provide missing DU findings. May be subject to additional conditions upon review.
|
10.8.2026 Client provided updated 1003 with considering two monthly HOA for REO property and adding bonus income of $XXX verified with YTD XXX and prior years
end of year paystubs (XXX) along with DU #3 for updated DTI of XXX%,
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX x XXX for XXX months
CFCFS1734: Borrower has significant time at current job
- XXX Comments: > XXX years at job
|
|
271
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL100
|
Potential title issue
|
No
|
Provide Final Title to confirm Schedule B # 10 are cleared / do not affect Title.May be subject to additional conditions upon review.
|
10.8.2026 Client provided some income documents however nothing provided pertaining to this condition. 1014 Client provided final title and LOX from Title
officer that Final Title will have T19 endorsement covering #10
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX x XXX for XXX months
CFCFS1734: Borrower has significant time at current job
- XXX Comments: > XXX years at job
|
|
377
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX * XXX = $XXX reserves required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
|
|||||||||||||||
|
42
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|||||||||||||||
|
216
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing K-1 from XXX, XXX, XXX, and XXX per federal statement #3 to determine percentage of borrower's ownership. Documentation subject to further review,
additional conditions may apply
|
9.23.2026 Client provided email from accounting listing the k1's Borrower received for 2024/2023 and stated the XXX is a passthrough to XXX and XXX, XXX and XXX
are passthrough to XXX and Borrower having no ownership with these and is not a Partner.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit line @ XXX%.
|
|
76
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
|
|
16
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Application
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDAPP5430
|
FNMA Application Form is Outdated
|
No
|
Missing copies of signed final loan applications for both borrowers. Loan file contains initial loan application only. Documentation subject to further review,
additional conditions may apply
|
9.16.2026 Client provided executed Final 1003 for both borrowers
|
Condition satisfied
|
Not Applicable
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
|
|
16
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing income calculation worksheet or 1008 with income calculation per XXX AUS guidelines.
|
9.16.2026 Client provided Lender income calculation used for qualifying for both borrowers
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
|
|
16
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2422
|
Missing Purchase Contract
|
No
|
Missing a copy of the offer to purchase. Documentation subject to further review, additional conditions may apply
|
9.16.2026 Client provided executed Purchase Contract for subject supporting $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
|
|
16
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER3490
|
Missing Patriot Act form
|
No
|
Missing patriot act form signed by all borrowers.
|
9.16.2026 Client provided executed Patriot Act
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
|
|
16
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing copy of the AUS loan approval. Documentation subject to further review, additional conditions may apply
|
9.16.2026 Client provided DU AUS #3; condition remains for lender 1008 9.17.2026 Client provided Lender 1008 reflecting LP Accept underwritten info however file
was reviewed DU AUS. Condition remains for updated 1008 reflecting as DU AUS underwritten, currently showing LP Accept. 10.1.2026 Client provided updated 1008 with showing as DU Approved however have manual box checked vs AUS and DU boxed
checked. Condition remains for corrected 1008 reflecting as DU/AUS box checked also vs manual underwritten. 10.2.2026 Client provided updated 1008 reflecting underwritten as DU/AUS with DU Info
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
|
|
16
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL796
|
Missing Title
|
No
|
Missing title commitment and tax cert. Documentation subject to further review, additional conditions may apply
|
9.16.2026 Client provided Title commitment with taxes within commitment
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
|
|
402
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support the appraisal value of $XXX. CU score XXX.
|
9.24.2026 Client provided LOX stating LCA 2.5 score passes with LP and 1008 states LP and condition is invalid. Response, 1008 do have LP info however is marked
with an x as manual underwritten and loan was reviewed to XXX 30 YR, was not reviewed to XXX AUS. Condition remains, if to be reviewed to LP AUS will need (a). lock switching to AUS and (b). 1008 showing as AUS vs being marked as manual and
LP findings in file (pg 902) for review upon receipt of lock and 1008 Note: LCA Risk 2.5 was provided to considered with LP approval 10.1.2026 Client provided 3rd party CDA valuation supporting appraised value, program did not change, CDA was
provided in lieu of switching to LP
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
92
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Verbal verification of employment missing
|
10.1.2026 Client provided VVOE dated XXX for B1
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X
XXX = $ XXX)
|
|
92
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2302
|
Missing Required Income Documentation
|
No
|
Missing Required Income Documentation as required by LP AUS
|
9/16 Client asked for clarification; Provide WVOI used for B2 income per LPA10.1.2026 Client provided Written VOE for B1 covering YTD 2026 and prior two years
earnings (2025/2024), base and bonus income used for qualifying supported, no income for B2
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X
XXX = $ XXX)
|
|
92
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR2400
|
Missing Flood Certification Document
|
No
|
Missing Flood Certification
|
10.1.2026 Client provided flood certificate document, flood zone X
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X
XXX = $ XXX)
|
|
354
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2698
|
RESPA - List of homeowners counseling organizations not in file
|
No
|
Provide missing list.
|
09/22/26 Client provided the missing HC List.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXXx24 mortgage payment history required, credit shows XXX since XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
|
|
354
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Texas Home Equity
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTXHE119
|
Texas Equity - Affidavit of Fair Market Value not signed by lender
|
No
|
***XXX Client provided the missing Affidavit of Fair Market Value, however it is missing the Lenders Signature. Provide the fully executed Affidavit of Fair
Market Value signed by lender
|
09/28/26 Client provided the FMV Affidavit signed by the Lender at Closing.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXXx24 mortgage payment history required, credit shows XXX since XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
|
|
354
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Texas Home Equity
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTXHE117
|
TX Equity - Missing Affidavit of Fair Market Value
|
No
|
Provide a fully executed copy of the document with all signatures.
|
09/22/26 Client provided a copy of the Texas Home Equity Affidavit and Agreement. Condition remains. Provide the missing Fair Market Value Affidavit signed by
all parties.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXXx24 mortgage payment history required, credit shows XXX since XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
|
|
354
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
B
|
B
|
B
|
B
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Two full appraisals were provided in the loan file and the higher value of $XXX was used in underwriting. Guidelines required the lower value of $XXX be used.
|
9.8.26- Client provided an approved exception request to use higher appraisal value.9/9 Client asked for review; upon review exception request was not approved;
condition remains 9/17 Client reviewed the exception and approved as submitted to use higher value
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXXx24 mortgage payment history required, credit shows XXX since XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
|
|
227
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor
|
9/26/2026 Client provided an exception approval for using incorrect ROR form
|
9/26/2026 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years at current job
|
|
227
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPTRID5806
|
TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights.
|
No
|
Missing initial CD XXX issued and acknowledged by non-borrowing titleholder.
|
10/05/26 Client provided the full disclosure tracking summary and details that confirms receipt of the Initial XXX CD by all parties.
|
Condition Satisfied.
|
Not Applicable
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years at current job
|
|
227
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Initial CD XXX is not signed and there is no evidence in file of when it was delivered to borrower. Product not disclosed at least three days prior to closing
date.
|
10/05/26 Client provided the full disclosure tracking summary and details that confirms receipt of the Initial XXX CD by all parties.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years at current job
|
|
227
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Initial CD dated XXX is not signed and there is no evidence in file of when it was delivered to borrower. Provide proof of borrowers receipt of initial CD.
|
10/05/26 Client provided the full disclosure tracking summary and details that confirms receipt of the Initial XXX CD by all parties.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years at current job
|
|
10
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Determine status upon review/receipt of PL in Borrower's name
|
10/14 Client provided an exception to allow the file without the full P&L
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV is below guideline requirements
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guidelines
|
|
10
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to increase in Transfer Taxes without a COC in file. Condition pending receipt of a Change of Circumstances or Post CD reflecting
lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
10/08/26 Client provided the missing XXX COC reflecting the Borrower Request for a change in Sales Price / Loan Amount.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV is below guideline requirements
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guidelines
|
|
10
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
VOM in file reflects Mortgage open date XXX, and 0 lates in past XXX months. Provide updated VOM reflecting full pay history since inception, to meet
requirements.VOM also to state reason for XXX Loan modification reflected on Drive report; provide applicable supporting documentation is necessary. May be subject to additional conditions upon review.
|
10.9.2026 Client provided updated VOM with additional requested comments
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV is below guideline requirements
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guidelines
|
|
10
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC150
|
Income docs do not meet guidelines
|
No
|
4506 for Borrower is signed, but not dated. Provide fully executed, signed and dated, XXX. May be subject to additional conditions upon review.
|
10.7.2026 Client provided executed 4506C
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV is below guideline requirements
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guidelines
|
|
10
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Waived
|
D
|
B
|
D
|
B
|
CRDINC3258
|
Missing Profit and Loss statement for one or more XXX borrowers
|
No
|
PL in file is for a 'XXX', which is not the Borrower's name.Provide XXX YTD PL through minimum second quarter. Subject to income recalc and may be subject
additional conditions upon review.
|
10.6.2026 Client provided copy of the P/L (in file) and provided executed name affidavit with Borrower is also known as XXX however with review of YTD XXX P/L
for Primary business: XXX, Borrower is XXX% owner and P/L appears to reflect lessor income than 1120S 2025 business income. Condition remains for Lender YTD XXX P/L income calculation and updated 1003/1008 and DU if applicable, appears P/L do
not support $XXX (which is being used for qualifying for this Primary income w/XXX). Income/DTI still under review 10/13 Client provided LOX that the P&L represents the Borrowers share of the business XXX% and supports qualifying
income; Condition remains for YTD P&L for the full business for comparison with tax returns10/14 Client provided an exception to allow the file without the full YTD P&l
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV is below guideline requirements
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guidelines
|
|
289
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Determine status upon review / receipt of 2025 1040 filing status / date.
|
9.17.2026 Client provided updated 1003 and DU along with Cash flow analysis using Year 2024 income only, now not considering Year 2025; lower income of $XXX
(average of 1120S 2024) with updated DTI of XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITIA Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITIA; met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
289
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not
offer one are selected
|
No
|
Final CD XXX Loan Disclosures section Escrow Account - neither of You declined it and/or Your lender does not offer one are selected. Condition is pending
receiving corrected PCD with LOE to borrower.
|
09/16/2026 Client provided PCCD XXX with correction Condition remains for the LOE to the Borrower for the change. 09/21/26 Client provided the LOE to borrower.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITIA Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITIA; met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
289
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Provide executed LOE from Non-Signing spouse stating B1 lived rent-free with her for the most recent XXX months.
|
9.17.2026 Client provided signed LOX from spouse stating current residence where Borrower lives is in her name only and Borrower living rent free.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITIA Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITIA; met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
289
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Note date XXX.Lender used 2024 + 2025 1120 / 24 for income.2025 Extensions for 1040 and 1120 are in file. 2025 IRS 1040 tax paid XXX per docs in file.2025 IRS
1040 transcripts in file dated XXX reflect : 'No tax return filed460 Extension of time to file tax return XXX amount $XXX'Provide updated 2025 transcripts reflected 2025 1040 filed prior to Note date.May be subject to additional conditions
upon review.
|
9.17.2026 Client provided updated 1003 and DU along with Cash flow analysis using Year 2024 income only, now not considering Year 2025; lower income of
$XXX(average of 1120S 2024) with updated DTI of XXX%. Borrower having over XXX years with XXX(1120S) and DU allow for one year, using lessor Year 2024
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITIA Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITIA; met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
289
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL865
|
Title incomplete
|
No
|
1. Loan amount is XXX- policy amount is for $XXX per XXX Supplemental report; provide updated Title.2. Provide sufficient documentation that EXCEPTION : # 11
does not affect final title * May be subject to additional conditions upon review.
|
9.17.2026 Client provided updated Final Title with loan amount of $XXX however Exception #11 is still reflected on this updated Title. Initial condition remains
for Title company to comment on #11 will not an affect or would not be on Final Title. Currently still reflected on this updated Title provided. Note: #11 is a Lease dated XXX with Lessor: XXX landmark and Lessee: Last name, XXX9.21.2026
Client provided email from Title Officer stating, item 11 runs with the property and affects Parcel 2 of the legal description. Response, further clarification is needed regarding #11 that is reflected on title, reason for Lease on Title for
Parcel 2 and how it is pertaining to Parcel 2; this is a Lease between XXX and XXX dated XXX. Upon receipt and review of reason still reflecting on Title and remaining on Title due to pertaining to Parcel 2 additional conditions may be
required. 10.1.2026 Client provided copy of Correction Quitclaim Deed of Easement dated Year 1997 and this reflect Grantor herby quitclaims to current Seller: XXX described as: Easement and Right of Way for the purpose of locating,
constructing and maintaining, using and operating thereon, docks, wharfs, slips, ramps, rafts, beaches, etc. this is on Parcel 2 (Subject is a Purchase) Exhibit Legal description also include Parcel 2 which is this Deed of Easement however is
showing in Seller name: XXX, this Parcel 2 appears to be under a lease (reasoning for #11 on Title pg 79). Condition remains: (a). will there be an assignment of lease to our Borrower (purchase transaction), etc. (b). quitclaim Deed of
Easement provided is for current seller, will parcel 2 be quitclaimed to our Borrower, further clarification is needed. Title company to address and maybe subject to additional conditions. 10/6 Client asked for a review; upon review of Title
and Email chain, #11 appears to be an easment for right of way allowing access to parcel 2 and does not cloud title
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITIA Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITIA; met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
289
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Value not supported by XXX CU score.Provide missing CDA referenced on final CD.May be subject to additional conditions upon review.
|
9.15.2026 Client provided 3rd party CDA valuation supporting appraised value within XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITIA Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITIA; met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
182
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
ROR signed on XXX with end of rescission date XXX Final CD XXX with disbursement date of XXX. Disbursement date is before end of statutory rescission period.
Condition is pending receiving final ALTA statement with Disbursement date, corrected Disbursement date on PCD, LOE and proof of shipping.
|
10/05/26 Client provided copies of a XXX PCCD, LOE and Tracking. The PCCD reflects Disbursement Date of XXX. Condition remains for a signed/stamped Final ALTA or
Settlement Statement to confirm the loan did not disburse until XXX.10/08/26 Client provided the Final Refinance Statement confirming Disbursement on XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
182
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per Title Commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form.
|
9/14/26 Client provided an approved exception for using incorrect ROR form.
|
9/14/26 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
109
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Note date XXXLease reflects rent is due on the 1st of the month. Provide missing documentation for XXX rent payment; please provide.May be subject to additional
conditions upon review
|
XXX Client provided Borrower LOX stating our last XXX months of rent when we gave our landlord notice that we were moving out. You'll see two XXX XXX payments
the week of XXX on XXX August statement to our landlord XXX, this is for our rent: XXX, XXX and Nov and our lease ends XXX. Response, with review of XXX verification of assets, appears history is from XXX - XXX and the two payment of XXX per
LOX from Borrower is not reflected on this XXX (VOA) history however Client provided the XXX XXX statement with history covering the two (2) XXX XXX payments per LOX from Borrower covering XXX, XXX and XXX.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash ReservesXXXRequired:6 months PITI; met.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV
|
|
109
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Provide AUS findings. May be subject to additional conditions upon review * (Appraised value has been supported by XXX LCA score; DU score is XXX.)
|
XXX Client provided DU AUS #3 for review however 1008 reflect being manual and reflect having LP Accept approved. Condition remains (a). CU Score XXX to use DU
would require a 3rd party CDA for valuation and (b). if consider LP, value would be supported with LCA XXX score and will need the LP findings along with Lender 1008 reflecting as AUS LP vs Manual. Note: value would not be supported if using
DU and a condition to be added for 3rd party valuation, if using DU. Please clarify. XXX Client provided LP AUS submission #3 and LCA score XXX supporting value along with Lender 1008 file being approved, LP
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash ReservesXXXRequired:6 months PITI; met.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV
|
|
146
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has over XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years XXX months at current residence.
|
|||||||||||||||
|
72
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Texas Home Equity
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTXHE117
|
TX Equity - Missing Affidavit of Fair Market Value
|
No
|
Missing Affidavit of Fair Market Value.
|
10/01/2026 Client provided the missing Affidavit of Fair Market Value.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
125
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
B2 income is variable and does not meet the required 12 month history of receipt of this income. B2 start date on current job XXX. B2 did not work from
2021-2025. Therefore, income can not be used.
|
10.6.2026 Client provided Lender updated 1003 removing B2 income and adding B1 OT income for qualifying and provided income calculation worksheet along with
updated DU submission #8; updated income for B1 is supported w/Written VOE covering YTD 2026 and prior two years earnings (2025/2024).
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX for subject PITI $XXX x XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
369
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing the Sale HUD/CD for REO at XXX in order to not count the PITIA against the borrowers' DTI; property is not pending sale and borrowers were qualified with
the sale proceeds as funds required to close and reserves for this transaction.
|
10.26.2026 Client provided executed Seller CD from sale of departure home with payoff of existing 1st & 2nd liens with Borrower/Seller netting $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- XXX Comments: Borrowers are XXX x XXX on their mortgages for the past XXX months.
|
|
369
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Missing evidence of Final HUD/CD proceeds from the sale of REO at XXX being used as funds required to close and reserves.
|
10.26.2026 Client provided executed Seller CD from sale of departure home with payoff of existing 1st & 2nd liens with Borrower/Seller netting $XXX;
sufficient cash to close and reserves met.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- XXX Comments: Borrowers are XXX x XXX on their mortgages for the past XXX months.
|
|
369
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2550
|
Missing HUD-1 from sale of property
|
No
|
Missing Final Sale HUD/CD for REO at XXX, required to not count the PITIA against the borrower; sale agreement provided is insufficient as the REO is not a
pending sale. The property must have sold on or prior to close if the borrowers are using the sale proceeds for this transaction's funds required to close and reserves.
|
10.26.2026 Client provided executed Seller CD from sale of departure home with payoff of existing 1st & 2nd liens with Borrower/Seller netting $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- XXX Comments: Borrowers are XXX x XXX on their mortgages for the past XXX months.
|
|
133
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
File is missing satisfactory AUS findings. (DU per 1008)
|
9/29/2026 Client provided DU AUS submission #4
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
419
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Loan converted from ARM to Fixed per CD XXX; however, there is no evidence in file of when it was delivered to borrower. Product not disclosed at least tree days
prior to closing.
|
09/25/26 Client provided a duplicate copy of the XXX COC. Condition remains. Provide the confirmation of receipt dates for the Revised XXX and XXX CDs to further
test the disclosure timing with Product change. Subject to re-review.09/30/26 Client provided screenshots of the XXX CD and XXX CD Tracking Details. Timing met with delivery of the XXX CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
56
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP2057
|
Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file
|
No
|
Cert of Compliance or Cert of Exemption is missing in file
|
09/18/26 Client provided the Compliance Agreement. Condition remains. Provide the missing IL Certificate of Compliance OR Exemption that is recorded with the
Mortgage.09/23/2026 Client provided an email from the Title Co. stating the property in in XXX County, this doesn't apply. Condition remains. Per Mortgage in file, the County is XXX and requires Certificate of Compliance or Exemption.
Provide the missing Document that was recorded with the Mortgage or a corrected Mortgage with letter of intent to re-record.09/28/26 Client provided a response from Title, corrected Recorded Mortgage which matches the Legal Description and
Appraisal.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years XXX months at current job.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX months at current job.
|
|
56
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to Appraisal Fee increased from $XXX on final LE XXX to $XXX on initial CD $XXX with no valid reason documented on COC XXX in
file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
09/23/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and shipping label created status. Condition remains for delivery. 09/28/26 Client
provided the proof of shipment.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years XXX months at current job.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX months at current job.
|
|
56
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Application
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAPP2658
|
Missing 3rd-party anti-fraud report
|
No
|
Missing proof the fraud alert on credit was addressed.
|
9.17.2026 Client provided copy of Lender fraud alert
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years XXX months at current job.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX months at current job.
|
|
56
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing proof of PITIA for the following properties: XXX, XXX, XXX and XXX
|
9.17.2026 Client provided taxes/hoi and hoa for three (3) applicable properties supporting what was used on REO of 1003 and provided copy of property profile for
XXX. appears to be in other party name (not in our borrowers name)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years XXX months at current job.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX months at current job.
|
|
56
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Missing all pages of the 2025 1040, all pages of 1120S 2025 for XXX supporting loss of $XXX, 2025 W2 from XXX for both borrowers.
|
9.17.2026 Client provided full completed signed dated 2025 1040s and provided signed dated all pages of 1120S 2025 for XXX supporting loss of $XXX (business
started XXX and loss calculation is XXX months) and provided 2025 w2 for both borrowers from XXX supporting total compensation as reflected on 1120s 2025 (pg 769)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years XXX months at current job.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX months at current job.
|
|
56
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3558
|
Missing Profit and Loss statement for one or more XXX borrowers (#5)
|
No
|
XXX PnL for 2026 missing signature and date and missing PnL for XXX for 2026.
|
9.17.2026 Client provided duplicate (in file pg 804) XXX YTD July 2026 signed dated; condition remains for XXX YTD 2026 signed dated P/L. 9.24.2026 Client
provided executed copy of XXX P/L for XXX (which is B2 business XXX% owner pg 854), this income supported, copy of this P/L is in file however was not signed/dated.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years XXX months at current job.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX months at current job.
|
|
241
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL100
|
Potential title issue
|
No
|
Per Supplement Report dated XXX in file, loan amount is $XXX. Per Note and documents in file loan amount is $XXX. Provide documentation from Title company that
the insured loan amount is $XXX
|
9.28.2026 Client provided updated Title supplement report reflecting correct loan amount of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrower has XXX months XXX on current mortgages
|
|
127
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
TNot all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
|
|
120
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPROR2442
|
Incorrect ROR Form Used - H8 for refi with same lender, 3rd Circuit state (has held H8 to be defective)
|
No
|
Per title commitment, loan originated with the same creditor. Incorrect H8 ROR form was used for this refinance transaction. Condition is pending receiving a
correct version H9 of XXX to all entitled to rescind to re-open rescission, LOX to borrower and proof of delivery with tracking information.
|
10/19/2026 Client provided re-opened H9 Right to cancel forms for both e-signed on XXXwith expiration date of midnight XXX and disclosure tracking. Condition
remains for the end of the rescission period. 10/23/26 The new rescission period is now expired.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|
11
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
The file contains a List of Homeowners Counseling dated XXX. Initial application date is XXX HOCL not provided within 3 days of application.
|
9/23/26 Client provided an approved exception for HOCL not provided timely.
|
9/23/26 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS2854: Significant time in profession
- XXX Comments: B1/B2 have been in the same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
11
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPROR1911
|
Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
|
No
|
Per Title Commitment in file, loan originated with a different lender. Incorrect H9 ROR form was used instead of H8 form. Condition is pending re-opening
rescission on correct H8 ROR form to all title holders with dates allowing for delivery, LOE to borrower, PCD and proof of shipping with tracking information.
|
10/21/2026 Client provided Reopened H8 Right to Cancel forms for both e-signed on 10/15, expiration dated XXX, LOE and disclosure tracking for consent and
delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS2854: Significant time in profession
- XXX Comments: B1/B2 have been in the same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
11
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
The only LE in file is dated XXX. Initial application date is XXX. Missing initial LE provided to borrower within 3 days of application.
|
10/09/26 Client provided the missing XXX Initial LE, Tracking and Seller comment: Please see attached XXX LE with Audit Log confirming sent to borrower within 3
business days of application. Note, XXX offices were closed XXX and does not count in timing.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS2854: Significant time in profession
- XXX Comments: B1/B2 have been in the same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
11
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL988
|
Loan File is Missing or Contains Insufficient Documentation for Basic Review
|
No
|
Subject housing payment reflects other payment for $XXX/month. Provide documentation to support other payment for total PITIA of $XXX/month.
|
9/23 Client provided appraisal which notes $XXX is for garage parking
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS2854: Significant time in profession
- XXX Comments: B1/B2 have been in the same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
307
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation.
|
No
|
XXX% tolerance in the amount of $XXX due to Recording Fees increased on CD XXX without a COC in file. Condition pending receipt of a COC or Post CD reflecting
lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
09/22/26 Client provided a XXX COC. Condition remains. The COC only indicates a Clerical Error and comments only state Recording Fees are increased. This is not
a valid COC. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery.09/25/26 Client provided a 9/22 PCCD with cure, LOE, check and tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITI for subject, and XXX for each of two financed
REO's; met.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
307
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
Preliminary Title in file does not show Borrower being searched / reflected in report; nor is Warranty Deed in file to verify vesting. Provide updated Title. May
be subject to additional conditions upon review.
|
9.21.2026 Client provided copy of Grant Deed with vesting matching Deed of Trust however initial condition also requested for Title to reflect the Borrower being
searched, was not reflected on Prelim Title however due to file having Prelim Title vs Title Commitment accepting.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITI for subject, and XXX for each of two financed
REO's; met.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
220
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
COC form issued XXX indicating a Post CD was issued XXX. Post CD not provided. Missing disclosure.
|
10/20/26 Client provided the missing XXX PCCD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years with same employer.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
346
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months XXX on current mortgage
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
|
|
346
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Provide Final signed HUD from sale of XXX The one in file does not state final or signed
|
9.29.2026 Client provided duplicate (in file pg 169) Final HUD-1 from sale of departure home with payoff of existing two (2) liens and borrower netting $XXX
|
Cancelled
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months XXX on current mortgage
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
|
|
400
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per MaVent in file The Initial Closing Disclosure was provided or mailed on (XXX). CD is missing in file, please provide along with any coc and tracking
information if applicable.
|
09/25/2026 Client provided the missing Initial CD XXX, e-signed XXX and Disclosure tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
400
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
The Final Closing Disclosure does not reflect all the required Seller paid closing fees.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Alta Settlement Statement final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
312
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
ROR forms the rescission period ends XXX (hand corrected from XXX). The Final CD issued XXX was signed XXX and shows a disbursement date of XXX. Disbursement
date is before end of statutory rescission period. Condition is pending receiving final ALTA statement with Disbursement date, corrected Disbursement date on PCD, LOE and proof of shipping
|
09/28/2026 client provided Final Settlement Statement reflecting different Disbursement date and fees. Condition remains. Provide the PCCD funding CD reflecting
changes for confirmation. 10/01/26 Client provided the XXX PCCD matching the Final Settlement Statement. Loan disbursed after rescission on XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX
|
|
312
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
B
|
B
|
B
|
B
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
The property was just purchased XXX with a relative & the Borrower is now refinancing to buyout the current co-owner of the property
|
9.21.26- Client provided an approved exception request XXX to allow a rate/term refinance transaction to buyout the current co-owner of the property. The
property was just purchased XXX with a relative. They now wish to buy them out using a written agreement. There will be no cash in hand to the borrower.
|
9.21.26- Upon further review XXX determined the guideline violation is non-material due to meeting all exception conditions and the following additional
compensating factors: 781 FICO score, $XXX reserves verified and borrower has been in the same profession for 18 years.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX
|
|
252
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI of XXX% is below guideline maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrowers have XXXxXXX for XXX months.
|
|||||||||||||||
|
343
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets XXX month > reserve requirement XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX is below guideline maximum XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years with same employer.
|
|||||||||||||||
|
136
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X
XXX = $ XXX )
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
|
|||||||||||||||
|
4
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
4
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Lender used $XXX/month income using 2025 Schedule C. YTD Profit and Loss income is $XXX/month. Review using Profit and Loss due to YTD decline. DU DTI XXX%.
Recalculated DTI XXX%. Re-Run DU with corrected Self Employment Income.
|
9.25.2026 Client provided updated DU submission #6 reducing B1 Schedule C income to $XXX with updated DTI of XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
415
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per Compliance Ease in file, a Revised CD XXX was issued but is missing
|
10/06/26 Client provided an Email response from the Seller stating: The closing package was issued on XXX. The Closer sent an updated CD the day of closing
adjusting the prepaids and payoff amount. However, the date issued wasnt updated so there isnt a CD with an issue date of XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: Guideline max LTV is XXX%, qualifying LTV XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history shows XXX since XXX, XXXxXXX required.
|
|
293
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @XXX%
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|||||||||||||||
|
85
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
Final CD reflects a Disbursement Date prior to the end of the Rescission period. Lender to provide proof of a later Disbursement via Final ALTA/Settlement
Statement and corrected Post/Funding CD. Or, if the loan disbursed prior to the ROR expiration date, please reopen rescission to all titleholders with dates allowing for method of delivery.
|
10/20/26 Client provided the stamped Final Settlement Statement reflecting Disbursement on XXX and the corrected XXX PCCD/COC.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX
|
|
61
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
186
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation.
|
No
|
Recording fee increase from initial CD XXX $XXX to final CD XXX $XXX section E. Increase exceeds allowable XXX% variation or $XXX. No COC form provided listing
fee amount or any details as to why fee increased. No cure provided on final CD. Condition pending receipt detailed COC with increase validated or Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery.
|
09/28/26 Client provided the stamped Final ALTA and XXX Post (Funding) CD reflecting the lower Recording fee from funding. No tolerance violation.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
209
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX for subject PITI $XXX x XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum requirement of XXX%
|
|
209
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Provide a verification of rent confirming no lates XXX in past XXX months.
|
9.28.2026 Client provided unexecuted Lease agreement for current housing rental payment history with lease starting XXX - XXX and at current residence for 3
months and prior residence was there over 1 year and provided payment history from XXX- XXX6 and provided property profile to support whom owner is for property and a few cancelled checks for payment
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX for subject PITI $XXX x XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum requirement of XXX%
|
|
209
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
C
|
B
|
C
|
B
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Borrower Experian credit score is frozen. Credit reports with bureaus identified as frozen are required to be unfrozen and a current credit report with all
bureaus unfrozen is required
|
9.28.2026 Client provided LOX rebuttal w/snippet of some guidelines (however not Client guidelines) stating two scores being allowed with using the lower of the
two (2) scores however Client provided guidelines states: Credit reports with bureaus identified as frozen are required to be unfrozen and a current credit report with all bureaus unfrozen is required. Initial condition remains 9/28 Client
provided an exception to allow the file with 1 frozen credit bureau
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX for subject PITI $XXX x XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum requirement of XXX%
|
|
420
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing verification XXX mortgage payment of $XXX has an escrow account for taxes and insurance and missing verification of monthly HOA for XXX
|
9.23.2026 Client provided Lender LOX stating XXX supporting there is no monthly HOA fee and reflecting the same on Schedule E. Response, Schedule E for the
requested rental property do not support having monthly HOA. Condition remains for copy of 1st mtg statement supporting payment of $XXX include full payment. 10.7.2026 Client provided Lender LOX along with mtg statement for REO requested
property supporting PITI(A) payment used for qualifying
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower has XXX months mortgage payment history XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
420
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing verification XXX mortgage payment of $XXX has an escrow account for taxes and insurance and missing verification of monthly HOA for XXX
|
9.23.2026 Client provided Lender LOX stating XXX supporting there is no monthly HOA fee and reflecting the same on Schedule E. Response, Schedule E for the
requested rental property do not support having monthly HOA. Condition remains for copy of 1st mtg statement supporting payment of $XXX include full payment. 10.7.2026 Client provided Lender LOX along with mtg statement for REO requested
property supporting PITI(A) payment used for qualifying
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower has XXX months mortgage payment history XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
87
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Executed final CD in file is a draft version. CD at consummation is missing. Pending receipt of completed copy of CD issued at closing for testing. Additional
conditions may apply.
|
10/05/2026 Client provided a duplicate of the 9/11 CD e-signed on XXX. Provide evidence that the XXX CD was provided to the Borrowers at the time of closing on
XXX. 10/09/26 Client provided the full Disclosure Tracking Details that confirms the XXX CD is the Final and was delivered in person on XXX (prior to close).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ XXX months PITI > min required reserves of XXX mo's for the subject, $XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
87
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to an additional Appraisal fee added from LE XXX to Le XXX. Pending a valid Change of Circumstance, or Post Close CD, LOX and
copy of refund check to borrower.
|
09/30/26 Client provided the missing XXX COC for an Appraisal Complexity Fee. Supported by the Invoice in file.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ XXX months PITI > min required reserves of XXX mo's for the subject, $XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
87
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
XXX (XXX) ordered from XXX or a XXX (XXX) from XXX missing. File contains a Field Review from XXX
|
9.28.2026 Client provided 3rd party XXX with value NOT being supported -XXX% variance (not within XXX% tolerance), condition remains for Field Review. Condition
remains for field review supporting value. Note: Field review not in file however what is in file is: Residential Appraisal Review Short Form vs a Field Review. 10.14.2026 Client provided Field Review supporting appraised value of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ XXX months PITI > min required reserves of XXX mo's for the subject, $XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
87
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR5291
|
Most Recent AVM Name not from approved vendor
|
No
|
Missing XXX from XXX or XXX from XXX per guidelines. Field Review dated XXX in file.
|
9.28.2026 Client provided 3rd party XXX with value NOT being supported -XXX% variance (not within 10% tolerance), condition remains for Field Review. Condition
remains for field review supporting value. Note: Field review not in file however what is in file is: Residential Appraisal Review Short Form vs a Field Review. 10.14.2026 Client provided Field Review supporting appraised value of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ XXX months PITI > min required reserves of XXX mo's for the subject, $XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
167
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the CD
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
167
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit
or refund provided
|
No
|
XXX% tolerance in the amount of $XXX due to added XXX fee $XXX in C. section on Funding CD XXX with no COC in file to support it. Real Estate fees are not a
shoppable fees/ service (as per SPL in file) and are tested for XXX% violation. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via
shipping that includes tracking information.
|
09/17/26 Client provided a XXX PCCD, LOE and $XXXrefund check. Condition remains for the proof of delivery that includes tracking.09/29/26 Client provided the
tracking and proof of delivery.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
306
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Documentation
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPDOC3076
|
Legal document was not executed or is incomplete
|
No
|
Final CD XXX missing pg 3; tested w/o the pg; Condition pending receipt of missing pg 3/complete Final CD for accurate testing.
|
09/24/26 Client provided all pages of the XXX Final CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: Co-borrower has additional bonus income of $XXX per month not being used to qualify: $XXX + XXX = $XXX = / XXX = $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%
|
|
306
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: Co-borrower has additional bonus income of $XXX per month not being used to qualify: $XXX + XXX = $XXX = / XXX = $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%
|
|
306
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Lender Credit decreased from initial LE XXX $XXX to LE XXX $XXX. COC issued XXX does not list amount of Credit decrease or sufficient details as to why Credit
decreased. Condition pending receipt detailed COC with Credit decrease validated or Post CD reflecting lenders cure, LOX, Total Refund of $XXX w/ Proof of Delivery.
|
09/24/26 Client provided an Email response from the Seller indicating the Appraisal charges were revised (reduced) and the Credit was adjusted. The Lock event
also had occurred which allows for adjustment in Credits.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: Co-borrower has additional bonus income of $XXX per month not being used to qualify: $XXX + XXX = $XXX = / XXX = $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%
|
|
180
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX %
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower XXX year at current employment
|
|||||||||||||||
|
48
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score is XXX.
|
|||||||||||||||
|
110
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3274
|
Mortgage/Deed in file is incomplete
|
No
|
Page 1 of the mortgage is blank. File is missing a complete mortgage with all pages.
|
9.29.2026 Client provided executed full complete copy of subject Mortgage including all pages and Rider
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXXin reserves required.
|
|
110
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXXin reserves required.
|
|
110
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan program due to missing initial CD in file.
|
10/05/26 Client provided the XXX Initial CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXXin reserves required.
|
|
110
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
CD XXX signed at closing is the only CD in file. Missing initial CD acknowledged by the borrower min 3 days prior to closing.
|
10/05/26 Client provided the XXX Initial CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXXin reserves required.
|
|
110
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to increase in Discount Points on final CD XXX. COC dated XXX found in file however a corresponding disclosure issued
within 3 days of finding is missing.
|
10/05/26 Client provided the missing XXX Initial CD and Tracking. Condition remains. File contains an XXX COC for a Lock change, however the corresponding LE is
missing (Mavent confirms an LE was issued on XXX). Provide the missing XXX Revised LE for further testing.10/09/2026 Client provided the missing LE XXX matching COC in file.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXXin reserves required.
|
|
110
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID4579
|
TRID - CD: Missing Initial CD
|
No
|
Initial CD dated XXX is missing in file.
|
10/05/26 Client provided the 9/3 Initial CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXXin reserves required.
|
|
110
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2157
|
Missing Signed 4506 in file
|
No
|
File is missing a completed and signed 4506-C for B1.
|
9.29.2026 Client provided executed 4506C for B1
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXXin reserves required.
|
|
22
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
File is missing CD issued at Closing. Pending receipt of Final CD; additional conditions may apply.
|
10/08/2026 Client provided the missing Final CD XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets are sufficient to cover required reserves $XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years XXX month at current residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
|
|
22
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the CD in file. Pending receipt of missing Final CD.
|
10/08/2026 Client provided the missing Final CD XXX and Seller CD.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets are sufficient to cover required reserves $XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years XXX month at current residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
|
|
22
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Discount Points were added to CD XXX without a COC in file. Condition pending receipt of Change of Circumstances,
Final Closing Disclosure and/or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
10/08/2026 Client provided the missing Final CD XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets are sufficient to cover required reserves $XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years XXX month at current residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
|
|
349
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Alta statement in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit 801 Guidelines allow XXX
|
|
349
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
B1 Missing 2 Years Business Tax Returns
|
9.21.2026 Client provided complete copy of 1120S 2025/2024 business returns for B1 self employment (XXX% owner) however file is also missing full completed copy
of 2025/2024 1040s (file only having pgs 1/2), signatures for business and personal are in file. Condition remains for 2025/2024 complete full copy for B1 self employment. 9.24.2026 Client provided full complete copy of 2025/2024 1040s (file
having signatures for 1040s and 1120s) along with YTD 2026 P/L for B1 self employment income, income used for qualfying for B1 supported.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
123
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Monthly income reported for Borrower 1 of $XXX and Borrower 2 of $XXX must be supported by business tax returns covering the most recent XXX month of XXX income,
along with two years most recent personal tax returns. Provide business and personal tax returns. XXX months required by AUS, however Lender used XXX month average per Income Worksheet
|
9.23.2026 Client provided 2025/2024 1065 and signed dated along with 2025/2024 1040s and signed dated supporting XXX income used for qualifying for both
borrowers, XXX% owner each (same 1065 business)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX x XXX + XXX mo REO ($XXX) = $ XXXreserves required.
|
|
123
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Monthly income reported for Borrower 1 of $XXX and Borrower 2 of $XXX must be supported by business tax recovering the most recent XXX month of xxx income, along
with two years most recent personal tax returns. Provide business and personal tax returns. XXX months required by AUS, however Lender used XXXmonth average per Income WorksheetAdditional conditons may apply
|
9.23.2026 Client provided 2025/2024 1065 and signed dated along with 2025/2024 1040s and signed dated supporting XXX income used for qualifying for both
borrowers, XXX% owner each (same 1065 business)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX x XXX + XXX mo REO ($XXX) = $ XXXreserves required.
|
|
91
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
ROR signed on XXX with end of rescission date XXX. Final CD XXX with disbursement date of XXX. Disbursement date is before end of statutory rescission period.
Condition is pending receiving final ALTA statement with Disbursement date, corrected Disbursement date on PCD, LOE and proof of shipping
|
09/16/26 Client provided the stamped Final Closing Statement and XXX Post (Funding) CD correcting the Disbursement Date to XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI Is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
91
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Appraisal Desk Review fee $XXX added to the initial CD XXX without a valid reasons documented on change of circumstance XXX. Tolerance cure required for $XXX.
Provide a letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation.
|
09/16/26 Client provided duplicate copies of the XXX COCs. Condition remains. The COC does reflect a valid change in circumstance reason/explanation for adding
the Desk Review. Provide further documentation to support what "changed" to prompt the addition of the fee. Subject to re-review.09/18/26 Client provided a revised XXX COC adding that the conditional approval was issued on XXX for the XXX
program and the approval conditioned for a desk review per program guidelines. Condition remains. The Lock with the Client occurred on XXX, which would not meet timing for re-disclosure on XXX. Provide documentation to support that the Lender
was not aware of the guide requirements until XXX. Additional conditions may apply.09/24/26 Client provided an LOE from Seller, XXX COC and program guides. Condition remains. LOE states the program requires an appraisal review if the CU score
exceeds XXX and the score is not considered 'confirmed' until the UW reviews and approves the appraisal report. A screenshot of UW Conditions was provided dated XXX stating the Desk Review was ordered, however the UCDP report in file is dated
XX. It appears the Seller was aware of the score on XXX and the fee should have been disclosed within 3 days. Timing was not met. Borrower is due a refund of $XXX, PCCD, LOE and proof of delivery with tracking.09/25/26 Client provided a XXX
PCCD, LOE, $XXX check and tracking (shipment confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI Is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
212
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history XXX for XXX months exceeds guideline minimum of XXX months.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX in verified assets is sufficient to cover required reserves XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
|
|
212
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID4056
|
TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the XXX Calculated Total Payment Amount
|
No
|
Final CD XXX Lenders Calculated Total of Payments is XXX and review calculation is XXX, a difference of XXX. Lender added Appraisal Reinspection Fee for XXX to
PCD XXX which resulted in an understated TOP as of consummation.
|
XXX Client provided a XXX PCCD, Change/LOE Form, PR Request and Payment History reflecting a XXX principal reduction. Condition remains. TOP violations do not
allow for principal reduction cures. Refunds should be provided by check. Provide a XXX refund check and proof of delivery with tracking.XXX Client provided a XXX PCCD, Change/LOE Form, Check Request, XXX refund check and tracking (delivery
confirmed).
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history XXX for XXX months exceeds guideline minimum of XXX months.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX in verified assets is sufficient to cover required reserves XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
|
|
362
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X
XXX = $ XXX)
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|||||||||||||||
|
386
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not all fees included on Borrower Final CD XXX, Seller fees have been sourced on the Seller CD, Condition Satisfied.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
|
|
386
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
A
|
A
|
A
|
A
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Hazard Insurance Policy effective date XXX; disbursement date XXX
|
(No Data)
|
(No Data)
|
Not Applicable
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
|
|
232
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Satisfied
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Co-borrower has been in the same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves: $XXX exceeds guide lines.
|
|
89
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
File is missing Revised Loan Estimate XXX
|
10/06/26 Client provided the XXX LE package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV Is below guideline maximum of XXX%
|
|
89
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV Is below guideline maximum of XXX%
|
|
89
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD in file
|
10/06/26 Client provided the missing XXX Initial CD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV Is below guideline maximum of XXX%
|
|
89
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing initial CD acknowledged by borrowers a minimum of 3 days prior to closing
|
10/06/26 Client provided the missing XXX Initial CD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV Is below guideline maximum of XXX%
|
|
89
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to increase of Appraisal Fee on Final CD XXX. Condition pending receipt of a Change of Circumstances or Post CD reflecting lenders
cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
10/06/26 Client provided the missing XXX COC and XXX LE package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV Is below guideline maximum of XXX%
|
|
168
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not
offer one are selected
|
No
|
No designation selected for it borrower "Declined" escrow account or if "Lender does not offer one" in the loan disclosures section of the final CD
|
09/30/26 Client provided an LOE to borrower and corrected XXX PCCDs.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years with same employer.
|
|
304
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2302
|
Missing Required Income Documentation
|
No
|
Missing source of additional monthly income in the amount of $XXX. Please document 2 year history of receipt.
|
9.23.2026 Client provided LOX stating assets are being used as income from XXX asset account and sent over FHMC guidelines to allow 180. Response, File was
approved DU AUS. Condition remains to follow FNMA guidelines for asset income to support $XXX or provide LP AUS approval for review. 9.25.2026 Client provided Lender updated 1008 w/Risk assessment as LP underwritten and provided the LP AUS #1
to allow retirement asset as depletion income using calculation of 180 for monthly $XXX vs $XXX due to using XXX balance vs XXX balance. Note: XXX #XXX asset is being used for this asset depletion statement dated July 2026 and file having
statement dated XXX to further support ongoing similar balance that is currently being used for qualifying. In which is required to support balance 12 months prior (per LP updated bulletin announcement)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% is below lender's guide line maximum.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
229
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to Inspection was added on Revised LE XXX for $XXX, Appraisal Desk Review-1 was added on Revised LE XXX for $XXX, Appraisal Desk
Review-2 was added on Revised LE XXX for $XXX. Administration Fee was $XXX on Initial LE XXX increased to $XXX on Final CD XXX with no valid COCs in file to support it. Condition is pending receiving a valid Change of Circumstances or PCD
reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
09/28/26 Client provided COCs XXX, XXX and XXX. Condition remains. Re-testing still results in a Zero Tolerance violation of $XXX due to the added 2nd Appraisal
Review fee on XXX. There was not a valid change reason listed on the XXX COC. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery with tracking.09/29/26 Client provided another copy of the XXX COC and Email from Seller
stating the CIC XXX is valid. It states that the Desk Review was needed due to the sales price change. Condition remains. The sales price change was already disclosed on the prior XXX LE and that change reason would not validate adding a 2nd
Appraisal Review fee. Unable to validate the addition of the 2nd Appraisal Review fee on the XXX LE. That charge was reduced to $XXX at closing. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery with
tracking.10/15/26 Client provided a XXX PCCD with $XXX principal reduction, LOE, Tracking and Payment History reflecting the $XXX PR deposit.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years at present job
|
|
318
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
File is missing satisfactory AUS findings.
|
10.1.2026 Client provided Lender LOX stating loan is locked under Opal XXX Non Agency 30 Year, manual underwrite. Not AUS. Response, file was submitted as XXX
AUS. Condition remains for updated lock for re-review to correct program. 10/2 Client provided lock as XXX 30y; AUS not required
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
24
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score is XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Guideline max LTV is XXX%, qualifying LTV XXX%.
|
|
24
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Provide final CD from the sale of XXX showing net proceeds to borrower of $XXX, as used for funds to close. Additional conditions may apply.
|
9.30.2026 Client provided Final Sellers statement for requested departure home property with payoff no liens and borrowers/sellers netting $XXX (closed XXX and
subject disbursement date XXX)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score is XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Guideline max LTV is XXX%, qualifying LTV XXX%.
|
|
248
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure
|
10/07/26 Client provided a signed LOE from Lender stating they are not affiliate with anyone.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: B1 WVOE shows additional bonus and overtime income not used in qualifying. Using a conservative 2024/2025 average bonus $XXX per month, using
YTD average overtime is $XXX per month.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
|
|
248
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: B1 WVOE shows additional bonus and overtime income not used in qualifying. Using a conservative 2024/2025 average bonus $XXX per month, using
YTD average overtime is $XXX per month.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
|
|
181
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to increase in Discount Points on revised CD XXX. COC dated XXX doesn't document why fee increased (Loan program was locked with
Investor on XXX) and file is missing updated Rate Lock Agreement. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that
includes tracking information.
|
09/24/26 Client provided a post-review LOE from Seller stating the DTI was updated with .125 hit to pricing. Condition remains. Provide supporting documentation,
from the time of the change (XXX), to validate the pricing adjustment for DTI.09/29/26 Client provided a copy of their Lock Confirmation. Condition remains. The Lock Confirmation is dated XXX, which coincides with the revised XXX LE and first
Points increase. The Points increased again on the revised XXX CD. Provide valid change documentation from XXX to justify the Points increase, OR provide borrower with a refund of $XXX, PCCD with cure, LOE and proof of delivery with tracking
information.10/06/26 Client provided a XXX PCCD, LOE to borrower and $XXX check. Condition remains for the proof of delivery that includes tracking information.10/08/26 Client provided the proof of delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months XXX on current mortgage
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
308
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline min XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years at current job.
|
|
308
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3658
|
TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance
|
No
|
APR was increased from XXX% on initial CD XXX to XXX% on Final CD XXX due to increased Interest Rate from XXX% to XXX %. Per XXX disclosure tracking in file, a
revised CD XXX was issued along with COC and Rate Lock but disclosures are missing. Condition is pending receiving disclosures acknowledged by borrower min 3 days prior to closing for further testing. Additional conditions may apply.
|
09/25/26 Client provided the missing XXX CD package. Re-testing results in no violation.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline min XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years at current job.
|
|
230
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
|
|||||||||||||||
|
166
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller CD in file and able to trace all fees.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X
XXX = $ XXX)
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
|
|
7
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum 680.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has over XXX years at current job.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has over XXX years at current job.
|
|||||||||||||||
|
62
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
Loan amount XXX HOI dwelling coverage: XXXXXX of covered valueXXX. Required CoverageXXX.
|
XXX Client provided appears to be FL Statute: 626.9551 regarding favored agent or insurer; coercion of debtors regarding the request of HOI to provide RCE
(estimate replacement cost coverage worksheet) to support HOI policy/dwelling coverage for loan file having sufficient coverage based on RCE. Response, condition remains for RCE (replacement cost estimate) to support dwelling coverage of HOI
XXX Client asked for a review; on review coverage meets FNMA requirements
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
297
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI > min required reserves of XXX mo's for the subject, $XXX
|
|||||||||||||||
|
173
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or ( $ XXX X XXX
= $ XXX)
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
173
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to added Delivery fee $XXX and increased Discount Point fee by $XXX on initial CD XXX with no COC and Rate Lock in file to support
it. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
09/18/26 Client provided a XXX PCCD removing the $XXX Delivery Fee in Section A and adding a $XXX Principal Reduction to the Summaries of Transactions. Condition
remains. File is still missing a COC or Lock for the increased Discount Points on the Initial XXX CD. In addition, the $XXX cure for the Delivery Fee will require the LOE to borrower, proof of delivery and payment history reflecting the PR
deposit.09/23/26 Client provided the disclosure tracking details including the XXX COC for the Lock (points). Condition remains for the $400 cure with an LOE to borrower, proof of delivery and payment history reflecting the $XXX principal
reduction deposit.09/29/26 Client provided a copy of the XXX PCCD, LOE, $XXX check and tracking (shipment confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or ( $ XXX X XXX
= $ XXX)
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
173
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not
offer one are selected
|
No
|
Final CD XXX, Loan Disclosures section Escrow Account - neither of You declined it and/or Your lender does not offer one are selected. Condition is pending
receiving corrected PCD with LOE to borrower.
|
09/18/26 Client provided an LOE and corrected XXX PCCD.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or ( $ XXX X XXX
= $ XXX)
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
173
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL225
|
Missing Rider
|
No
|
Missing a copy of executed PUD Rider
|
9.11.2026 Client provided executed copy of subject Mortgage including executed PUD Rider
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or ( $ XXX X XXX
= $ XXX)
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
380
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
Lender's App Date is XXX; enclosed List of homeowners counseling organizations issued on XXX; the List issued w/i XXX business days of the app date missing.
|
10/5/2026 Client provided an approved exception for HOCL not provided timely.
|
10/5/2026 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX1 X
XXX = $ XXX )
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
380
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Lender's App Date is XXX; earliest LE in file was issued on XXX. Missing initial LE provided to borrower within XXX days of application date.
|
10/19/2026 Client provided the missing Initial LE XXX with disclosure tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX1 X
XXX = $ XXX )
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
94
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not all fees included on Borrower Final CD XXX, Seller fees have been sourced on the Seller CD, Condition Satisfied.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrower has XXX months XXX on current mortgage
|
|
223
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing signed settlement statement for XXX (copy received is not signed). - needed to exclude mortgage payment and use proceeds to cover funds for closing.
|
10.20.2026 Client provided executed HUD-1 from sale of departure home: XXX with payoff of existing lien and Borrower/seller netting $XXX (closed prior to subject
transaction)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX x XXX for XXX months.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
223
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
0% tolerance in the amount of $XXX due to increase in Discount Points on initial CD XXX. Two COC found in file dated XXX and XXX however, corresponding
disclosures are missing. Condition is pending receiving missing disclosures for further testing or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
10/21/26 Client provided the missing XXX and 9/10 Loan Estimates.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX x XXX for XXX months.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
223
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Missing signed settlement statement for XXX (copy received is not signed). - needed to exclude mortgage payment and to use proceeds to cover funds for closing.
|
10.20.2026 Client provided executed HUD-1 from sale of departure home: XXX with payoff of existing lien and Borrower/seller netting $XXX (closed prior to subject
transaction)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX x XXX for XXX months.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
223
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing signed settlement statement for XXX (copy received is not signed). - needed to exclude mortgage payment and to use proceeds.
|
10.20.2026 Client provided executed HUD-1 from sale of departure home: XXX with payoff of existing lien and Borrower/seller netting $XXX (closed prior to subject
transaction)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX x XXX for XXX months.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
310
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Determine status upon review / receipt of missing Tax/Ins/HOA docs for REOs.
|
10.1.2026 Client provided taxes for LOT and provided taxes/HOI/HOA for XXX verifying same as reflected on REO of 1003
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guidelines
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
310
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDAST2354
|
Asset Verification In File is Incomplete Per Requirements
|
No
|
XXX #XXX used for reserves, per final 1003. The account is in a Trust's name; provide a copy of the Trust. May be subject to additional conditions upon review.
|
10.1.2026 Client provided executed copy of Borrowers Trust (both borrowers as Trustee)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guidelines
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
310
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Provide sufficient documentation supporting Tax / Ins / Hoa for the amounts reflected on the final 1003 for the two REOs. Subject to DTI recalc and may be
subject to additional conditions upon review.
|
10.1.2026 Client provided taxes for LOT and provided taxes/HOI/HOA for XXX verifying same as reflected on REO of 1003
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guidelines
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
310
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL225
|
Missing Rider
|
No
|
The Trust Rider was not signed completely. The Borrowers did not sign as the Trustees.
|
10.6.2026 Client provided executed Mortgage including executed Trust Rider
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guidelines
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
310
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2996
|
Missing Trust Documents
|
No
|
Provide executed Trust Documents
|
10.1.2026 Client provided executed copy of Borrowers Trust (both borrowers as Trustee)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guidelines
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
276
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
(No Data)
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
|
|
276
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR865
|
Missing proof of flood insurance in File
|
No
|
Missing proof of flood insurance
|
9.23.2026 Client provided subject flood insurance policy
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
|
|
116
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR4789
|
Appraisal Deficiency
|
No
|
Appraisal for $XXX on XXX does not include a building sketch or legible copy of building plans. The dimensions must be clearly visible. Provide building sketch
or legible copy of building plans to show dimensions to determine GLA. Subject to review of GLA discrepancy between the two appraisals upon receipt and may be subject to additional conditions.
|
9.29.2026 Client provided updated appraisal (previously having $XXX value) and with appraiser comment etc. updated appraisal reflecting value of $XXX with
requested corrections and file having a 2nd full appraisal with value of $XXX; lowest of two are being used for value to be supported and provided updated DU with correct value of $XXX vs $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
|
|
300
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
|
|||||||||||||||
|
410
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+XXX Months for Additional REO or ( $ XXX X
XXX = $ XXX )
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
|
|||||||||||||||
|
347
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|||||||||||||||
|
189
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
|
|
417
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD in file.
|
10/12/2026 Client provided the missing CD's XXX and XXX with COC's for locks, Points changes and disclosure tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX x XXX + XXX mo REO XXX= $ XXX reserves required.
|
|
417
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
CD XXX is the only CD in file. Missing initial CD acknowledged by the borrower min 3 days prior to closing date.
|
10/12/2026 Client provided the missing CD's XXX and XXX with COC's for locks, Points changes and disclosure tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX x XXX + XXX mo REO XXX= $ XXX reserves required.
|
|
417
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to added Discount points on Final CD XXX with no COC or Rate Lock extension in file. Condition is pending receiving a
valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
10/12/2026 Client provided the missing CD's XXX and XXX with COC's for locks and Points changes.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX x XXX + XXX mo REO XXX= $ XXX reserves required.
|
|
417
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID4579
|
TRID - CD: Missing Initial CD
|
No
|
Missing initial CD in file.
|
10/12/2026 Client provided the missing Initial CD 9/4.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX x XXX + XXX mo REO XXX= $ XXX reserves required.
|
|
294
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD in file.
|
10/02/26 Client provided the missing XXX Initial CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Guideline max LTV is XXX%, qualifying LTV is XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
294
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing initial CD acknowledged by borrowers a minimum of 3 days prior to closing.
|
10/02/26 Client provided the missing XXX Initial CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Guideline max LTV is XXX%, qualifying LTV is XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
171
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Credit Report Fee increase on CD XXX without a valid COC in file. Condition pending receipt of a valid Change of
Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
10/09/26 Client provided a XXX PCCD, LOE, $XXX check and tracking (delivered).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
|
|
314
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Missing Final CD issued at closing. Pending receipt of CD acknowledged by borrower at consummation.
|
10/08/26 Client provided a duplicate copy of the XXX CD e-signed on XXX. Condition remains. Lender to clarify if a CD was delivered to the borrowers at Closing
on XXX If so, provide a copy of the Final XXX CD for testing.10/19/26 Client provided a Seller response via Email that states the referenced Loan was a Hybrid closing. The documents, including the CD, were sent and esigned XXX. No changes
were made so the CD was not required to be signed at closing.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower XXX year at current employment per 1120S
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
|
|
314
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing mortgage statements for all other properties, per credit report all have mortgages 1) primary XXX, 2) Investment XXX and 3) XXX to support PITI
|
10.7.2026 Client provided documentation for PITI(A) payment as reflected on REO of 1003 for three (3) requested properties and LOX stating no HOA for these
properties.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower XXX year at current employment per 1120S
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
|
|
39
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Inspection Fee was added to CD XXX without a COC in file. Condition pending receipt of of a COC or Post CD reflecting
lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
10/09/2026 Client provided COC XXX reflecting Per review, a 1004D was required for hot water tank strapped down resulting in addition of Inspection fee.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years with same employer.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
|
|
199
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years, XXX months at current residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|||||||||||||||
|
341
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Texas Home Equity
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTXHE117
|
TX Equity - Missing Affidavit of Fair Market Value
|
No
|
Missing the TX Fair Market Value Affidavit. Pending receiving a copy of fully executed Fair Market Value Affidavit document.
|
09/22/26 Client provided the missing TX FMV Affidavit signed at Closing.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ XXX months PITIA > min required reserves of XXX mo's for the subject, $XXX
|
|
341
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
0% tolerance in the amount of $XXX due to increase in Appraisal fee by $XXX on LE XXX with no valid reasons documented on COC XXX and increase in Discount
Points fee by $1013 on final CD XXX with no COC in file. Condition is pending receiving a valid change of circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes
tracking information.
|
09/22/26 Client provided a duplicate copy of the XXX COC, LE and Lock. Condition remains. The COC reasons do not reflect a valid change in circumstance for
increasing the Appraisal Fee. In addition, the Points increased on the Final XXX CD without an updated Lock or COC in file. Provide valid a valid COC for each increase for further review, OR provide Borrower with a $XXX refund, PCCD with
cure, LOE and proof of delivery with tracking information.09/23/26 Client provided the initial LE package, revised XXX LE, XXX Appraisal Invoice and LOE/Email from the Seller. Invoice shows the Appraiser added a Complexity Fee. An Invoice is
not a valid Change document, therefore Seller to provide supporting documentation (LOS Notes, Appraisal History Notes) detailing the reason for the increase. In addition, there are increased Discount Points on the Final XXX CD. Provide the
missing COC for this increase, and the supporting Appraisal Fee requirements, OR provide borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery with tracking.09/24/26 Client provided an Email response from Seller with
screenshot of the XXX Appraisal Order Notes validating the fee increase. Re-testing still results in a $XXX violation for the increased Points on the Final XXX CD. Provide the missing COC for this fee increase.09/24/26 Client requested
re-review of the Seller Email response. Seller indicates the increase in Points was due to the Client not accepting the XXX lien as a rate/term refinance, so they had to flip to cash out per guidelines. Condition remains. The change to cash
out was indicated on the XXX COC, however the Points were not increased until the Final XXX CD. Timing was not met for re-disclosure of the increased fee. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery with
tracking.09/29/26 Client provided a XXX LOE from Lender and COC showing change date of XXX, however form/print date is XXX. The LOE states the loan was initially a cash out and flipped to No cash out on XXX then flipped back to cash out on
XXX. The lock was updated XXX and increase in points was added on the Final CD dated XXX. Condition remains. For support, since the COC was printed post-close and the only Locks in file are dated XXX showing Cash Out at that time and Points
of $XXX, provide the updated Rate Lock from XXX reflecting the $XXX Points. Subject to re-review.10/02/26 Client provided a duplicate copy of the Lock Confirmation that reflects Search Timestamp of XXX. Condition remains. Provide the updated
Lock from XXX reflecting the $XXX Points. Subject to re-review.10/06/26 Client provided 2 Emails from Seller with additional screenshots of the Lock pricing/changes that occurred on XXX (AV changed; Supported by the Appraisal signed XXX-
Invoice also XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ XXX months PITIA > min required reserves of XXX mo's for the subject, $XXX
|
|
333
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
Borrower's Interest
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPBI1623
|
MA Borrower Interest; Worksheet missing
|
No
|
MA Borrower Interest Worksheet missing in file.
|
10/09/26 Client provided the MA Borrower Interest Worksheet.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years at current job.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
|
|
15
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller CD in file and able to trace all fees.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXXfico > program minimum of XXX.
|
|
96
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not all fees included on Borrower Final CD XXX, Seller fees have been sourced on the Seller CD, Condition Satisfied.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
104
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years .
|
|||||||||||||||
|
291
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per disclosure tracker revised CD XXX was issued. Revised CD not provided. Missing disclosure.
|
09/15/2026 Client provided a collaborate comment: There was no revised CD disclosed to the borrower. Only the initial CD sent and received on XXX per page 1 in
the CD tracking table of the included disclosure tracking information. The entry on XXXX is our closing package (32 documents) which was sent to the title company and includes a copy of the CD for balancing purposes. The Disclosure tracking
provided does reflect the revised CD 6/25 was a closing doc order and not sent to the Borrower.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
291
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
291
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST205
|
Insufficient Funds to Close
|
No
|
Provide asset statements, meeting guidelines, supporting Borrowers had required liquid funds of $XXX to close. May be subject to additional conditions upon
review.
|
9/10 Client asked for clarification; On review provide evidence of Liquidation of funds from IRA XXX account per XXX GLs or provide additional liquid assets used
for closing costs10.13.2026 Client provided XXX bank statements for #XXX and #XXX along with wire of closing funds $XXX however XXX #XXX verifies two large deposits of $XXX on XXX and $XXX on XXX deposits coming from XXX; Condition remains,
missing documentation with XXX to support both large deposits, after these large deposits than wire was transferred out for funds to close on subject. Note: assets on 1003 is w/XXX retirement 10.16.2026 Client provided Borrower XXX evidence
of net proceeds received to use towards wire funds to close of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
291
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Provide XXX-day moving average stock price for XXX. Subject to income recalc and may be subject to additional conditions upon review.
|
9.18.2026 Client provided XXX XXX day moving average price with file having vesting award schedule along with end of year XXX/XXX and YTD XXX paystubs, monthly
XXX income supported
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
387
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline min XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years XXX months at current job.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX months at current job.
|
|||||||||||||||
|
185
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Determine status upon review / receipt of 2026 PL statement
|
(No Data)
|
P&L not required satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ XXX months PITI > min required reserves of XXX mo's for the subject, $XXX + XXX mo's for other REO $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
185
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ XXX months PITI > min required reserves of XXX mo's for the subject, $XXX + XXX mo's for other REO $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
185
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit
or refund provided
|
No
|
Lender Credit decreased from initial LE XXX $XXX to LE XXX $XXX, $XXX on final CD. COC issued 08/20 does not list amount of Credit decrease or sufficient details
as to why Credit decreased. Credit provided on final CD $XXX insufficient to satisfy condition. Condition pending receipt detailed COC with Credit decrease validated or Post CD reflecting lenders cure, LOX, Total Refund of $XXX w/ Proof of
Delivery.
|
09/28/26 Client provided a XXX PCCD with cure, LOE, $XXX check and tracking (delivery confirmed).
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ XXX months PITI > min required reserves of XXX mo's for the subject, $XXX + XXX mo's for other REO $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
259
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets XXX month > reserve requirement XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX is below guideline maximum XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
|
|
259
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing XXX mortgage statement for XXX to validate monthly payment includes taxes and insurance.
|
XXX Client provided credit supplement w/XXX reflecting payment of XXX along with mtg statement reflecting payment is escrowed and LOX stating having no monthly
HOA
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets XXX month > reserve requirement XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX is below guideline maximum XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
|
|
259
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINSR5352
|
Flood Effective date is greater than the transaction date
|
No
|
Flood Insurance effective date: XXX; Disbursement date per final CD XXX.
|
XXX Client provided updated Flood insurance policy w/effective date XXX - XXX
|
Condition satisfied
|
Not Applicable
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets XXX month > reserve requirement XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX is below guideline maximum XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
|
|
257
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers settlement statement. Consistent with the XXX, we are satisfying to 1/A.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on settlement statement. final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
392
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score is XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
|
|||||||||||||||
|
277
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Missing 2025 w2 or equivalent for XXX
|
10.9.2026 Client provided Written VOE for B2 prior employment from XXX through ended XXX however per guidelines Written VOE cannot be used as a sole source for
verification of employment, paystubs and W2's are still required. Condition remains for 2025 w2 for B2 10.14.2026 Client provided 2025 w2 for B2 Note: Final 1003 reflect ending prior employment w/XXX (for B2) ending date XXX however prior
WVOE previously provided reflected ending date of XXX and 2025 w2 was provided. Dont appear to be a gap; Final 1003 year of 2025 for prior should be 2026 (per prior employment Written VOE)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has over XXX years at current job.
|
|
277
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation supporting appraisal value of $XXX due to CU Score not available.
|
10.6.2026 Client provided a snippet of 1004D (duplicate in file pg 11), this 1004D is regarding value not being declined due to appraisal being dated XXX,
Condition remains for 3rd party CDA valuation supporting appraised value. File have CU and LCA both reflecting no score being returned.10.9.2026 Client provided 3rd party CDA valuation supporting value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has over XXX years at current job.
|
|
311
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
B
|
B
|
B
|
CMPROR117
|
ROR - Expiration date on form prior to end of rescission period
|
No
|
ROR form is missing expiration date. Condition is pending re-opening ROR to all title holders, LOX and proof of delivery with tracking information.
|
10/15/26 Client provided new RORs to all title holders with confirmed receipt on XXX and reopened rescission period until midnight of 10/16. Condition remains
for the new rescission period to expire.10/19/26 The new rescission period is now expired.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co borrower at current employment XXX years
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|
311
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Earliest Loan Estimate in file is dated XXX which is more than 3 days of Application date XXX
|
10/13/26 Client provided a duplicate copy of the Initial XXX CD package. Condition remains. Per the Mavent, the Initial LE was provided on XXX The earliest LE in
file was issued on XXX. Provide the missing XXX LE.10/15/26 Client provided the missing XXX Initial LE package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co borrower at current employment XXX years
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|
311
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX as Discount Points increased on CD XXX without a COC in file. Condition pending receipt of a COC or Post CD reflecting
lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
10/13/26 Client provided a duplicate copy of the Initial XXX CD package. Condition remains. The Discount Points increased from $XXX on the Initial XXX CD (as
indicated on the XXX COC) to $XXX on the Final XXX CD. Provide the missing COC for the Final XXX CD Points increase for further review. Additional conditions may apply.10/15/26 Client provided the XXX CDs and the missing XXX COC for the Lock
Extension and Points increase.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co borrower at current employment XXX years
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|
174
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Insurance effective date XXX matches disbursement date.
|
9.18.26- Hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for Purchase review.
|
9.18.26- waived.
|
Not Applicable
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years at current residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum 680.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXXin verified assets are sufficient to cover required reserves $XXX.
|
|
37
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX > min required of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|||||||||||||||
|
40
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT106
|
Finance charge understated by more than $100 (Pmt Stream)
|
No
|
Finance charge understated by $XXX. Condition is pending receiving cure via refund of the amount of the underdisclosure, LOX, corrected PCCD reflecting cure and
proof of delivery with tracking shipment
|
10/12/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and delivered XXX shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
40
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT4372
|
TILA/TRID-Disclosed Amount Financed is higher than XXX's calculated Amount Financed
|
No
|
Finance charge understated by $XXX. Condition is pending receiving cure via refund of the amount of the underdisclosure, LOX, corrected PCCD reflecting cure and
proof of delivery with tracking shipment
|
10/12/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and delivered XXX shipping label.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
282
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Borrower does not have XXX years of RSU from current employer.
|
Exception Approval Request to use RSU income from new employment. Awarded $XXX in value on XXX, vesting between XXX - XXX, vesting continues to XXX . Has a
history of RSU at prior employment, made over $XXX in XXX and $XXX in XXX in RSU earningsAdditional
|
Final Grade B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
361
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPATRQM2900
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status
determination.
|
No
|
Review determination places loan in a riskier status than the Lender's status determination due to the missing note.
|
10/08/26 Client provided the missing Note.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
361
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC195
|
Missing Note
|
No
|
Missing Note
|
10/08/26 Client provided the missing Note.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
361
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing.
|
10/08/26 Client provided the missing Note and Lock History. Re-testing results in no violation.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
361
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
HOI effective date XXX. Disbursement date XXX
|
09/11/2026 Client provided approved exception for hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for Purchase
review.
|
Final grade of B
|
Not Applicable
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
385
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: B1 has been in same profession for XXX years.
|
|
60
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD.
|
10/09/26 Client provided the Initial XXX CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
|
|
60
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing Initial CD XXX acknowledged by borrower min XXX days prior to closing. Per compliance Ease Initial CD sent XXX.
|
10/09/26 Client provided the Initial XXX CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
|
|
60
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID4579
|
TRID - CD: Missing Initial CD
|
No
|
Missing Initial CD XXX. Per compliance Ease Initial CD sent XXX.
|
10/09/26 Client provided the Initial XXX CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
|
|
60
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Application
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAPP1813
|
Undisclosed non-arm's length transaction
|
No
|
Loan originator XXX appears to be related to appraiser XX and was not disclosed. Per lender's guidelines, the following non-arm's length transactions are
eligible: Family sales or transfers, Property seller acting as their own real estate agent, Relative of the property seller acting as the sellers real estate agent, Borrower acting as their own real estate agent, Relative of the borrower
acting as the borrowers real estate agent, Borrower is the employee of the originating lender, Originator is related to the borrower, Originator is a current subsidiary of the builder, and Borrower purchasing from their landlord.
|
10.8.2026 Client provided XXX website asking is appraiser and loan officer origination having any affiliation. Response, condition remains LOX from Loan
Origination and appraiser clarifying the relationship, if any. 10/14 Client provided letter from Bwr no relation to appraiser
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
|
|
201
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|||||||||||||||
|
267
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Guideline max LTV is XXX%, qualifying DTI XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|||||||||||||||
|
196
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX years in the same profession.
|
|||||||||||||||
|
138
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the CD
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
138
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL865
|
Title incomplete
|
No
|
Provide final Title to support B-1 # 14 and 15 are cleared. Page 962 + combined file relates to B2.May be subject to additional conditions upon review.
|
10.7.2026 Client provided executed and notarized Affidavit of Title regarding #14 and #15 on Title not belonging to B2 (similar name) however not our Borrower
and Title have done a XXX year search and info returned is for a difference SSN# and for different DOB
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
184
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX
Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
414
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC191
|
Missing Mortgage
|
No
|
Mortgage not provided. Missing Mortgage.
|
10/08/2026 Client provided the missing recorded mortgage notary dated XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has XXX months of PITI available in reserves; XXX months required.
|
|
414
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3268
|
Note in file is incomplete
|
No
|
Note provided incomplete. Missing page 1 of Note.
|
10.14.2026 Client provided executed all pages of subject Note
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has XXX months of PITI available in reserves; XXX months required.
|
|
414
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPROR2043
|
Cannot determine if funding date is after rescission period
|
No
|
ROR form not provided. Missing ROR form.
|
10/14/26 Client provided the fully executed ROR forms.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has XXX months of PITI available in reserves; XXX months required.
|
|
414
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPROR5345
|
ROR - Missing or Incomplete Right of Rescission form
|
No
|
ROR form not provided. Missing ROR form.
|
10/14/26 Client provided the fully executed ROR forms.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has XXX months of PITI available in reserves; XXX months required.
|
|
414
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
File is missing a Verbal Verification of Employment (VVOE) performed no more than ten (10) business days prior to the Note date.
|
10.9.2026 Client provided email from employer dated XXX(post close) verifying employment and provided XXX VVOE dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has XXX months of PITI available in reserves; XXX months required.
|
|
414
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2862
|
Copy of Note in file is incomplete
|
No
|
Note provided incomplete. Missing page 1 of Note.
|
10.14.2026 Client provided executed all pages of subject Note
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has XXX months of PITI available in reserves; XXX months required.
|
|
414
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER111
|
Ownership seasoning does not meet minimum per guidelines
|
No
|
Subject loan was LP approved as a cash out refinance. Freddie Mac guidelines require borrower to have been on title for at least six months prior to the note
date. Final 1003 indicates borrower has owned the property for approximately XXX month. If delayed purchase refinancing was the intended purpose, then the delayed financing documentation requirements from Freddie Mac guidelines must be
met.
|
10.9.2026 Client provided LOX stating, "Data verify report in file supports borrowers have owned the property since XXX . The XXX month on the 1003 is in
regards to residency, not ownership." Response, condition remains for correction of 1003 (if applicable) and documentation to support having ownership over 6 months for cash out refinance, unless transaction is being done as delayed
financing. Initial condition remains 10/15 Client provided Fruad report showing Bwr has owned property since XXX; independent search shows no recent sales
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has XXX months of PITI available in reserves; XXX months required.
|
|
149
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX > min required of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|||||||||||||||
|
253
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Determine status upon review/ receipt of missing REO mortgage statements and disposition of undisclosed XXX REO
|
10.22.2026 Client provided duplicate (in file) taxes, hoi, etc. for both requested properties and appears the initial condition is for the mortgage statement to
support the PI that is being used on REO of 1003; payment on credit report appears to be the PI payment due to taxes, HOI etc. verified in file and listed separately on REO of 1003; payment (PI) for both properties is same amount reflected on
REO of 1003 and on credit report, since payment is not escrowed, using credit report to match up the payment as reflected on REO of 1003 for both requested properties, in addition HOI for each property do reflect having a mtg lien and
included in DTI. In addition, documentation provided to support Borrower no longer owning XXX REO
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B1 XXX+ years same line of workB2 XXX + years same line of work
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
253
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B1 XXX+ years same line of workB2 XXX + years same line of work
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
253
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Provide sufficient documentation for XXX REO, on XXX's Drive report, to support exclusion from disclosure on 1003 and from exclusion in DTI. May be subject to
additional conditions upon review.
|
10.22.2026 Client provided documentation (property profile) supporting Borrower sold as of XXX to XXX, owner name is in LLC name as of XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B1 XXX+ years same line of workB2 XXX + years same line of work
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
253
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Provide Missing Mortgage statements for below REOs, reflecting amounts shown on final 1003/CBR and to tie to mortgages on CBR:a. XXX ($XXX on 1003)b. XXX ($XXX
on 1003)Subject to DTI and rental income recalc and may be subject to additional conditions upon review.
|
10.22.2026 Client provided duplicate (in file) taxes, hoi, etc. for both requested properties and appears the initial condition is for the mortgage statement to
support the PI that is being used on REO of 1003; payment on credit report appears to be the PI payment due to taxes, HOI etc. verified in file and listed separately on REO of 1003; payment (PI) for both properties is same amount reflected on
REO of 1003 and on credit report, since payment is not escrowed, using credit report to match up the payment as reflected on REO of 1003 for both requested properties, in addition HOI for each property do reflect having a mtg lien and
included in DTI.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B1 XXX+ years same line of workB2 XXX + years same line of work
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
253
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Note date XXXB2 VOE: 'Verified On: XXX' and 'CURRENT AS OF: XXX. Provide VOE that is both 'Verified on / Current as Of' that meets the following: 'Verbal
Verification of Employment (VVOE) must be performed no more than ten (10) business days prior to the Note date'. May be subject to additional conditions upon review.
|
10/23 Client provided an exception to allow the file with the VVOE dated outside 10 days
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B1 XXX+ years same line of workB2 XXX + years same line of work
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
253
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
DOT: B1 and B2 first and last namesTitle: : B1 1st middle last name and B2 first name middle initial last nameProvide updated matching documents
|
10.22.2026 Client provided updated Deed of Trust with Borrower names matching Title vesting names and appears to have been sent for re-recording
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B1 XXX+ years same line of workB2 XXX + years same line of work
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
49
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing 2024 W2 for borrower to meet 2 year employment history requirement.
|
10.2.2026 Client provided 2024 w2 for B1
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX-months housing payment history XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
|
|
49
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing copy of newly open XXX statement to validate payment of $XXX/month and balance of $XXX.
|
10.2.2026 Client provided inquiry notification supporting newly open debt w/XXX having a monthly payment of $XXX and balance of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX-months housing payment history XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
|
|
49
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Missing 2024 W2 for borrower to meet 2 year employment history requirement.
|
10.2.2026 Client provided 2024 w2 for B1
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX-months housing payment history XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
|
|
74
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Determine status upon review / receipt of B1 PLs and B2 commission income docs
|
10.14.2026 Client provided YTD August 2026 and end of year 2025 P/L and B/S for B1 self employment income, supports income used for B1 however not signed/dated.
B2 income along, DTI would be within guidelines, did not request for signed/dated P/L and provided duplicate in file YTD 2026 paystub and 2025/2024 w2's for B2
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
74
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Provide B1 executed 2023 1120s.May be subject to additional conditions upon review.
|
10.14.2026 Client provided signatures (pg 2) of 2024/2023 1040s and 1120S (pg 1) signed/dated
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
74
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3258
|
Missing Profit and Loss statement for one or more XXX borrowers
|
No
|
Provide B1 executed 25 and 26 through 2nd quarter 1120s PLs. Subject to income recalc and may be subject to additional conditions upon review.
|
10.14.2026 Client provided YTD August 2026 and end of year 2025 P/L and B/S for B1 XXX income (XXX% owner), supports income used for B1 however not signed/dated.
B2 income along, DTI would be within guidelines, did not request for signed/dated P/L
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
74
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR4789
|
Appraisal Deficiency
|
No
|
Grid shows 1 Bathroom for Unit 1.Photos and sketch reflect 2 Bathrooms for Unit 1.Appraiser to address / correct discrepancy.May be subject to additional
conditions upon review.
|
10.14.2026 Client provided updated appraisal with correcting Grid to reflect Unit 1 having 2 bathrooms
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
59
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Note Date XXX.B1 VOE date: XXXB2 VOE date: XXXBoth are outside of below guidelines. Provide VOEs for both Borrowers meeting requirements. May be subject to
additional conditions upon review.'Verbal Verification of Employment (VVOE) must be performed no more than ten XXX business days prior to the Note date. The Verbal VOE should include the following information for the borrower:o Date of
contacto Name and title of person contacting the employero Name of employero Start date of employmento Employment status and job titleo Name, phone #, and title of contact person at employero Independent source used to obtain employer phone
number'
|
XXX Client provided an approved exception to allow the file with post close VVOE XXX
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash ReservesXXXRequired:XXX months PITI for subject, and 0 for one lien-free REO; met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
298
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
Lender's App Date is XXX; enclosed List of homeowners counseling organizations issued on XXX; the List issued w/i XXX business days of the app date missing.
|
10/5/2026 Client provided an approved exception for HOCL not provided timely.
|
10/5/2026 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; 80% max allowed.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
298
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; 80% max allowed.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
298
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Lender's App Date is XXX; earliest LE in file was issued on XXX. Missing initial LE provided to borrower within XXX days of application date.
|
10/19/2026 Client provided the missing Initial LE XXX with disclosure tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; 80% max allowed.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
298
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
File is missing the AUS approval required for the XXX AUS program.
|
10.16.2026 Client provided DU AUS #6 A/Eligible
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; 80% max allowed.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
389
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B1 XXX years same line of work
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
|
|
389
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Closing date XXX Initial CD not provided. Condition pending receipt initial CD w/ proof of delivery at least 3 days prior to consummation.
|
10/02/26 Client provided the Initial XXX CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B1 XXX years same line of work
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
|
|
389
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Lender to provide an ATR/QM status determination
|
9.30.2026 Client provided lender QM Safe Harbor status determination
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B1 XXX years same line of work
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
|
|
176
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
ROR signed XXX, expiration date XXX. Final CD disbursement date is XXX. Disbursement date is before end of statutory rescission period. Final ALTA in file
confirming later Disbursement Date; however, final CD was not updated. Condition is pending receiving corrected PCD with LOX and proof of delivery to borrower.
|
10/01/26 Client provided a COC and XXX PCCD revising the loan costs and Disbursement Date (XXX). Condition remains. Provide the signed/stamped Final
ALTA/Settlement Statement for further testing.10/06/26 Client provided the signed Final Refinance Statement confirming Disbursement on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
86
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR2400
|
Missing Flood Certification Document
|
No
|
Missing the Flood Cert.
|
9.25.2026 Client provided subject Flood Certification document, flood zone X
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX > min required of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
288
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per Title Commitment in file (page 1345), loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form.
|
9/26/2026 Client provided an approved exception for using incorrect ROR form.
|
9/26/2026 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years with same employer.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
|
|
66
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years with same employer.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|||||||||||||||
|
111
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
102
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD.
|
(No Data)
|
Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no
violation.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
|
|
335
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
Dwelling coverage $XXX + XXX% + other structures $XXX = $XXX. Loan amount $XXX.
|
9.30.2026 Client provided copy of subject HOI RCE, HOI having sufficient coverage
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
330
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX
Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIA Guidelines require XXX months or $ XXX X XXX= $ XXX + XXX Months for Additional REO or ( $ XXX X
XXX = $ XXX)
|
|
384
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|||||||||||||||
|
368
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
113
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
C
|
B
|
C
|
B
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
File is missing verification of the existence of borrowers XXX verified through a third-party source and no more than thirty (30) calendar days prior to the Note
date.
|
10.1.2026 Client provided Business License verifying effective XXX and expiring XXX(XXX is Insurance was Schedule C and now 1120S) however verified post close on
XXX w/Note date XXX ; missing prior to closing 3rd party VVOE10/2 Client provided an exception to allow the file with a post close VVOE
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXXin reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
113
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
File is missing the Fannie Mae 1084, or Freddie Mac Form 91 or equivalent for self-employment analysis. The most recent Form 1084 or Form 91 should be used based
on application date. Instructions per Form 1084 or Form 91 must be followed.
|
10.1.2026 Client provided Lender Cash Flow Analysis supporting income calculation used for qualifying (XXX), along with rental income worksheet
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXXin reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
207
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|||||||||||||||
|
34
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets XXX / XXX months PITI > min required reserves of XXX mo's for the subject, XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
34
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC150
|
Income docs do not meet guidelines
|
No
|
On review B2 does not have XXX month history of commission income with current employer; with B2 commission income removed the DTI is XXX; Provide revised
1003/1008 and AUS with B2 commission removed and updated DTI
|
XXX Client provided income docs On review; B2 does not have XXX month history of commission income with current employer. They started current job XXX and have
commission income from prior job in XXX with priorr history of earnings and using a XXX month avg, with comp factors income is accepted
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets XXX / XXX months PITI > min required reserves of XXX mo's for the subject, XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
270
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|||||||||||||||
|
65
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow 80%.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXXyears.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXXxXXX.
|
|||||||||||||||
|
238
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $0 to close, $XXX reserves; $XXX x XXX + XXX mo REO XXX = $XXXreserves required.
|
|
200
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Inspection fee $XXX was added to revised LE XXX, decreased to $XXX on initial CD & Credit Report fee increased from final LE XXX $XXX to initial CD XXX $XXX.
No COC provided listing any details as to why fee's increased/added. No cure provided on final CD to satisfy condition. Condition pending receipt detailed COC forms with fees validated or Post CD reflecting lenders cure, LOX, Total Refund of
$XXX w/ Proof of Delivery.
|
10/08/2026 Client provided an LOE reflecting Appraisal came back XXX subject to and a Final Inspection fee was added along with COC reflecting same with invoice.
Also provided LOE stating Credit report fee increase with invoice and COC, however neither provides a reason why the increase was required. Retesting results in a zero tolerance of $XXX. Provide the change that occurred resulting in the
increase of the Credit report fee or PCCD with $XXX cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 10/15/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and an in transit shipping number.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
|
|
128
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA > min required reserves of XXX mo's for the subject, $XXX + XXX mo's for other financed REO $XXX
|
|
52
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX , qualifying score XXX .
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX .
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX , required reserves are $XXX .
|
|||||||||||||||
|
231
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of XXX or XXX months PITI; XXX or XXX months required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV; XXX max allowed.
|
|
163
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-Borrower has been XXX with the same business for XXX years
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with the same business for XXX years
|
|||||||||||||||
|
204
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX; min score XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
|
|||||||||||||||
|
233
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
B
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
B
|
B
|
C
|
B
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Required Affiliate Business Disclosure missing.
|
10/06/26 Client provided the ABD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months XXX on current mortgage
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXXXX $XXX x XXX = $XXXXXX $XXX x XXX = $XXXXXX $XXX x XXX = $XXX
|
|
233
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
B
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
B
|
B
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months XXX on current mortgage
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXXXX $XXX x XXX = $XXXXXX $XXX x XXX = $XXXXXX $XXX x XXX = $XXX
|
|
233
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
B
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
B
|
B
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Lender Credit decreased from revised CD XXX $XXX to revised CD XXX $XXX. COC issued XXX does not list amount of Credit decrease or sufficient details as to why
Credit decreased. Condition pending receipt detailed COC with Credit decrease validated or Post CD reflecting lenders cure, LOX, Total Refund of $XXX w/ Proof of Delivery.
|
10/08/26 Client provided an LOE to borrower, XXX PCCD with cure and $XXX refund check. Condition remains for the proof of delivery that includes the tracking
information.10/08/2026 Client provided disclosure tracking for XXX disclosure. Condition remains for evidence of receipt of the cure check to Borrower via tracking information. 10/16/26 Client provided a Check Status Record from the Lender
showing Reconciled XXX. Condition remains. Provide the missing Tracking for when the refund check was Sent, or evidence from the Borrower showing receipt of the check.10/22/2026 Client provided an email form the Borrower reflecting
confirmation of receipt of the the $XXX check and deposit of the check to his account.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months XXX on current mortgage
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXXXX $XXX x XXX = $XXXXXX $XXX x XXX = $XXXXXX $XXX x XXX = $XXX
|
|
233
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
B
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
B
|
B
|
C
|
B
|
Property Valuations
|
Property
|
Waived
|
B
|
B
|
B
|
B
|
PRVAPROP177
|
Property Issues Indicated
|
No
|
Subject is a XXX
|
Client provided approved exception for subject being a XXX
|
Final Grade B
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months XXX on current mortgage
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXXXX $XXX x XXX = $XXXXXX $XXX x XXX = $XXXXXX $XXX x XXX = $XXX
|
|
348
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDDTI187
|
Debt Ratio > 60%
|
No
|
XXX% verified DTI is > program maximum of XXX%. Verified DTI includes $XXX and $XXX monthly payments for XXX and XXX auto debts, however, lender omitted from
DTI per AUS findings. File is missing sufficient documentation to support omitting; appears debts were omitted as being paid by business, however, documentation supporting business has paid for the last XXX months is missing. (expenses are
listed on ytd balance sheet only).
|
10.13.2026 Client provided evidence business making monthly payment for both auto $XXX(XXX) and $XXX (XXX), removed from DTI, updated DTI XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
382
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years per taxes
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: reserves $XXX or XXX months
|
|||||||||||||||
|
75
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X
XXX = $ XXX )
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|||||||||||||||
|
261
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
The Note Date is XXX, and the DOT Notary was also signed on XXX. Last CD in file dated XXX and e-signed on XXX. Missing final CD acknowledged by the borrower at
closing on XXX.
|
10/23/26 Client provided a copy of the XXX CD and LOE from Lender stating the e-signed XXX CD is the Final CD. They did an e-signed package before XXX and then
wet signed others on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX+ years in same line of work.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history XXX x XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
|
|
236
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the CD - Missing Title fees
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: Guideline max LTV is XXX%, qualifying LTV XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
|
|
19
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifiying score exceeds guide lines.
|
|||||||||||||||
|
411
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX DTI is below guideline maximum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves XXX exceed guideline requirement of XXX for subject PITIA XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|||||||||||||||
|
187
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX ; required reserves $XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
|
|
118
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Appraisal fee increased from revised LE XXX XXX to revised LE XXX XXX & Tax Services fee XXX was added to revised LE XXX section B. COC forms issued XXX
& XXX do not list amount of fees or sufficient details as to why fees were added/increased. No cure provided on final CD to satisfy condition. Condition pending receipt detailed COC with fee increase validated or Post CD reflecting
lenders cure, LOX, Total Refund of XXX w/ Proof of Delivery.
|
XXX Client provided Appraisal Order Details reflecting due date and fee amount of XXX. Condition remains. The order does not reflect any valid change in
circumstance reasons for increasing the Appraisal Fee. Borrower is due a refund of XXX, PCCD, LOE and proof of delivery with tracking.XXX Client provided a XXX PCCD, LOE, XXX check and tracking (shipment confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX is below guideline maximum XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets XXX > min required of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX; guidelines allow XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
279
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing credit report used to qualify borrower; review must include debts once received in addition to Primary residence payment of XXX/mo.
|
XXX Client provided credit report dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX reserves; XXX= XXX reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV; max XXX
|
|
279
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX reserves; XXX= XXX reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV; max XXX
|
|
279
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH3000
|
# of Tradelines Does Not Meet Guideline Requirements
|
No
|
Missing credit report used to qualify the borrower.
|
XXX Client provided credit report dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX reserves; XXX= XXX reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV; max XXX
|
|
279
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDCRMH189
|
Missing credit report
|
No
|
Missing credit report used to qualify borrower; review must include debts once received in addition to Primary residence payment of XXX/mo.
|
XXX Client provided credit report dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX reserves; XXX= XXX reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV; max XXX
|
|
279
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
HOI effective date is XXX, same as disbursement date.
|
XXX- Hazard insurance not in effect at time of closing, however valid at time of delivery to RWT for Purchase review.
|
10.13.26- waived.
|
Not Applicable
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX reserves; XXX= XXX reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV; max XXX
|
|
53
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|||||||||||||||
|
100
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|||||||||||||||
|
208
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX DTI; XXX max allowed.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV; XXX max allowed.
|
|||||||||||||||
|
29
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX > min required of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX+ years at present job
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
157
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: B2 has been XXX for XXX+ years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has been XXX for XXX+ years
|
|
172
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDCRMH149
|
Missing support docs for VOM/VOR (e.g. cancelled checks)
|
No
|
First time homebuyer missing VOR reflecting XXX in the last XXX months.
|
XXX Client provided executed copy of rental Lease (current housing) and provided payment history to landlord however unable to determine payment being made by
Borrowers (only showing Zelle payment to XXX/Landlord), provide most recent evidence to support payment coming from Borrowers, will accept evidence of most recent month vs providing 12 months. Note: bank statements in file do not reflect any
of the history payment. XXX Client provided copy of XXX #XXX bank statement for XXX supporting withdrawals from Borrower account to Landlord in the amount of XXX supporting the payment history (previously provided) coming from our Borrower
and provided XXX #XXXhistory supporting the same.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: XXX reserves; XXX= XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
81
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
1. Missing evidence of XXX HELOC terms to verify XXX/mo. payment being used to qualify. 2. Missing the YTD XXX P&L Statement for XXX required for Note date
XXX.
|
XXX Client provided YTD XXX P/L for XXX and provided terms of HELOC supporting payment
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXX required.
|
|
81
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Missing evidence to verify terms of XXX HELOC for XXX with XXX/mo. pmt secured by departure residence, along with the settlement statement and evidence of
proceeds wired to closing agent for funds required to close of XXX.
|
XXX Client provided duplicate (in file pg 383) HELOC evidence of monthly payment XXX and provided the terms of the HELOC along with HUD-1 from close of the HELOC
and subject CD (pg 209) reflecting subject receipt of HELOC funds
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXX required.
|
|
81
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3258
|
Missing Profit and Loss statement for one or more XXX borrowers
|
No
|
Missing the YTD XXX6 P&L statement for XXX as required for Note date XXX.
|
XXX Client provided YTD XXXP/L for XXX (XXX owner)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXX required.
|
|
164
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
|
|||||||||||||||
|
67
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX; guidelines allow XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: XXX effective, XXX to close, XXX reserves; XXX = XXX reserves required.
|
|||||||||||||||
|
367
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|||||||||||||||
|
1
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the CD
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years at current job.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have been at current residence XXX years XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
|
|
256
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Required Reserves: XXX. Verified XXXSubject: $XXX = XXXXXX. XXX = XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
46
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
XXX% tolerance in the amount of $XXX due to added Processing fee on initial CD XXX in B. section with no valid reasons documented on COC XXX. Condition is
pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
10/15/26 Client provided a copy of the Initial LE, the Broker Invoice for $XXX, corrected XXX PCCD and LOE from Lender stating the $XXX Fee was in Section A on
the Initial LE (paid to the Broker) and not a third party Processing Fee. It was moved to the wrong section on the ICD and has been moved back to Section A on the PCCD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.
|
|
265
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing verification of additional debt reflected on 1003 and not on credit report provided. Missing XXX credit report and verification of the following debts
XXX $XXX, XXX $XXX, XXX $XXX, XXX $XXX and XXX $XXX.
|
9/28 Client provided updated credit
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months reserves, XXX months reserves required or $XXX.
|
|
265
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months reserves, XXX months reserves required or $XXX.
|
|
265
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Tolerance cure required for $XXX due to missing a change of circumstances for the increase to the loan points fee in Section A. Condition is pending receiving a
valid change of circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
09/30/26 Client provided the following Seller comment: ILE disclosed XXX for Points establishing the baseline XXX Loan amount increased increasing points from
XXX to XXX, RLE disclosed and borrower confirmed same day this valid change was disclosed timely no cure due XXX there was a pricing change due to change in credit score increasing points from XXX to XXX , RLE disclosed and borrower
confirmed same day this valid change was disclosed timely no cure due On XXX the lock was extended increasing points from XXX to XXX, RLE disclosed XXX, Loan Parameter team review notes that the RCD does not need to be signed this valid
change was disclosed timely no cure due. Condition remains. Upon review by internal Compliance counsel, the lock events on the LEs are sufficient, however file is still missing valid change documentation for the increase in Points on the
revised XXX CD. Provide the lock documentation to validate the extension, OR provide borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery with tracking.10/08/26 Client provided the Lock History screenshot that reflects the
XXX Lock Extension and Points.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months reserves, XXX months reserves required or $XXX.
|
|
265
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
ATR/QM status not provided.
|
9/28 Client accepts QM status DD SH APOR
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months reserves, XXX months reserves required or $XXX.
|
|
265
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Application
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAPP3822
|
Missing or incomplete documentation related to citizenship/residency
|
No
|
Missing identification for XXX to verify XXX status.
|
9.29.2026 Client provided I-797B Notice of Action for B1 with Visa Class: 01A valid from XXX- XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months reserves, XXX months reserves required or $XXX.
|
|
265
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing verification of additional debt reflected on 1003 and not on credit report provided. Missing XXX credit report and verification of the following debts
XXX $XXX , XXX $XXX, XXX $XXX, XXX $XXX and XXX $XXX.
|
9/28 Client provided updated credit
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months reserves, XXX months reserves required or $XXX.
|
|
265
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing VOR for XXX
|
9/28 Client provided an approved exception to allow the file without the VOR
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months reserves, XXX months reserves required or $XXX.
|
|
156
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the CD - Missing title fees
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
|
|
156
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation supporting appraised value of $XXX. CU Score in file XXX, guideline requires XXX and below.
|
10.9.2026 Client provided Xcel spreadsheet w/XXX AVM value of $XXX dated XXX however Confidence score is XXX; value not supported with Confidence score of XXX;
10/13 on review confidence score is XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
|
|
156
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR5355
|
Most recent FSD score outside of approved variance
|
No
|
Condition triggered with receipt of Xcel spreadsheet w/AVM info: Most recent FSD score outside of approved variance
|
10.9.2026 Client provided Xcel spreadsheet w/XXX AVM value of $XXX dated XXX however Confidence score is XXX; value not supported with Confidence score of XXX.
Condition remains for acceptable 3rd party valuation supporting value10/13 on review confidence score is XXX
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
|
|
155
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guidelines
CFCFS2854: Significant time in profession
- XXX Comments: B1: XXX years same line of workB2: XXX years same line of work
|
|
155
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH3000
|
# of Tradelines Does Not Meet Guideline Requirements
|
No
|
B2 does not meet below guidelines:'Minimum three (3) tradelines are required. The following requirements apply:? Three (3) tradelines required, open or closed,
rated for at least 12 months (Met). At least one (1) of the tradelines must have activity within 12 months from the application date (not met) with no significant adverse credit, such as charge offs or collections'
|
9/28 Client provided an approved exception to allow the file without the Min Tradelines met
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guidelines
CFCFS2854: Significant time in profession
- XXX Comments: B1: XXX years same line of workB2: XXX years same line of work
|
|
155
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
D
|
B
|
D
|
B
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Provide XXX W2 for B2
|
9/28 Client provided an exception to allow the file without the XXX W2
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guidelines
CFCFS2854: Significant time in profession
- XXX Comments: B1: XXX years same line of workB2: XXX years same line of work
|
|
21
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months XXX on current mortgage
|
|
21
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to Lender credit decreased on XXX without a COC in file. Missing a Change of Circumstance or Post CD reflecting lenders cure, LOX,
a copy of refund and proof of delivery including shipping details and tracking information.
|
10/05/26 Client provided the following response: ILE disclosed a pricing credit in the amount of $XXX before the rate was locked RLE dated XXX disclosed discount
points in the amount of $XXX float to lock event RLE was sent XXX timely disclosed. Condition remains. Provide the missing COC or Rate Lock for the XXX change event.10/08/26 Client provided a screenshot of the Pricing and Lock Event dated
XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months XXX on current mortgage
|
|
21
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Missing ATR/QM Determination
|
9/29 Client accepts DD finding of SH APOR
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months XXX on current mortgage
|
|
21
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Provide VVOE dated within 10 business days prior to the Note date for both Borrowers. The VVOE's in file are both dated XXX
|
9/29 Client provided an approved exception to allow the file without the VVOE
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months XXX on current mortgage
|
|
105
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the CD
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed XXX Bulk overlay guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below XXX Bulk overlay maximum of XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below XXX Bulk overlay maximum of XXX%
|
|
105
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
B2 is FTHB which require a VOR, a VOR must be obtained reflecting no XXX lates in past XXX months.
|
9/28 Client provided an exception to allow the file without the VOR
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed XXX Bulk overlay guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below XXX Bulk overlay maximum of XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below XXX Bulk overlay maximum of XXX%
|
|
27
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the CD
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
|
|
27
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $ XXX due to Transfer Taxes increased from $XXX on Initial LE XXX to $XXX on Final CD XXX. Missing a valid Change of Circumstance, or Post
Close CD, LOX and copy of refund check to borrower.
|
09/30/26 Client provided an Email response from the Seller stating: ILE disclosed XXX XXX RLE disclosed $XXX Loan amount increased from XXX to XXX XXX reflects
increase in transfer tax due to loan amount increase valid change was disclosed timely, no cure due. Condition remains. Unable to locate the XXX report in file, however the disclosure of the increased loan amount on a fee report is not valid
documentation to establish a change in circumstance. File contains the XXX Rate Lock and XXX Cover Letter to Borrower, however the letter only indicates the Rate Lock and "Fee Change". Nothing in file reflects what change in circumstance
occurred (ex: borrower request for a loan amount increase). Provide the missing change in circumstance for the loan amount/transfer tax increase, OR provide borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery.10/05/2026
Client provided XXX transaction detail dated XXX however, does not reflect what change in circumstance occurred (ex: borrower request for a loan amount increase). Condition remains. Provide the missing change in circumstance for the loan
amount/transfer tax increase, OR provide borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery.10/07/26 Client provided a screenshot of the Loan Summary Notepad entries which reflects the XXX Borrower request to increase the
Loan Amount.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
|
|
27
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing documentation to verify PITI for primary residence.
|
9.28.2026 Client provided copy of mtg statement verifying $XXX is PITI for Primary (XXX) same verified on REO of 1003
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
|
|
27
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing income calculation worksheet or 1008 with income calculation per XXX program guidelines.
|
9.28.2026 Client provided Lender 1008
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%; max LTV XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX; required reserves $XXX.
|
|
328
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Unable to validate DTI due to missing PITI verification for primary residence at XXX and 2 investment properties at XXX and XXX
|
9.28.2026 Client provided taxes, insurance for each requested property support amount on REO however missing LOX or documentation if any having monthly HOA.
Condition remains to support monthly HOA or LOX of having none for each.9/29 Client provided HOA dues for primary residence and evidence schedule E shows no HOA dues for investment REOS
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
328
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
328
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing PITI verification for primary residence at XXX and 2 investment properties at XXX and XXX
|
9.28.2026 Client provided taxes, insurance for each requested property support amount on REO however missing LOX or documentation if any having monthly HOA.
Condition remains to support monthly HOA or LOX of having none for each. 9/29 Client provided HOA dues for primary residence and evidence schedule E shows no HOA dues for investment REOS
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
328
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support the appraisal value of $XXX. CU score is XXX.
|
10/9 Client provided an AVM supporting the value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
44
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REO $XXX *3= $XXX reserves required.
|
|
44
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing taxes for XXX and XXX. Also, missing proof of the XXX Bank other liability monthly payment $XXX. The liability appears to be associated with XXX
|
9.28.2026 Client provided evidence of taxes $XXX for XXX along with XXX Bank HELOC statement on XXX property and provided taxes $XXX for XXX and file verifies
HOI and HOA for XXXNote: REO do not reflect the XXX Bank HELOC on XXX property however is included in DTI
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REO $XXX *3= $XXX reserves required.
|
|
84
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing 2025 K-1 and YTD distribution letter from employer.Missing verbal verification of employment within XXX days of closing for Borrower.Missing verification
of PITIA of $XXX /month is escrowed for XXX., including $XXX additional monthly expense.
|
9.29.2026 Client provided LOX stating, did not request for 2025 k1 due to 2025 under extension and did not request for any YTD 2026 income. Response, file have
2024/2023 business returns along with Borrowers k1 for 2024/2023 with 2025 being under extension and file having 2025 evidence no record for 1040 (Note date XXX ), Borrower having XXX% ownership with business and appears borrower receive w2
and k1 income with majority of income coming from k1, file also having end of year 2025/2024 paystubs and YTD XXX paystubs (supporting w2 income) however no YTD 2026 nor end of year 2025 income verified for the k1 income. Condition remains,
missing end of year 2025 and YTD 2026 income. Majoirty of monthly income is from k1. 10/5 Client provided an exception to allow the file without updated YTD icnome
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
84
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
84
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST206
|
Asset Amounts Are Unsupported by Documentation in File
|
No
|
Missing source of funds for large deposits $XXX on XXX and $XXX on XXX into XXX XXX account. LOX from Borrower indicates these are distributions from the
company. Provide documentation for source of funds.
|
9.29.2029 Client provided XXX print out along with evidence both requested deposits being distribution deposits into #XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
84
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing verification of PITIA of $XXX /month is escrowed for XXX., including $XXX additional monthly expense.
|
9.29.2026 Client provided mtg statement and evidence of monthly HOA supporting same as reflected on REO of 1003 for requested property
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
84
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Missing verbal verification of employment within XXX days of closing for Borrower.
|
9/28 Client provided the Bus VOE
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
84
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Waived
|
C
|
B
|
C
|
B
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Missing 2025 K-1 and YTD distribution letter from employer.
|
9.29.2026 Client provided LOX stating, did not request for 2025 k1 due to 2025 under extension and did not request for any YTD 2026 income. Response, file have
2024/2023 business returns along with Borrowers k1 for 2024/2023 with 2025 being under extension and file having 2025 evidence no record for 1040 (Note date XXX), Borrower having XXX% ownership with business and appears borrower receive w2
and k1 income with majority of income coming from k1, file also having end of year 2025/2024 paystubs and YTD XXX paystubs (supporting w2 income) however no YTD 2026 nor end of year 2025 income verified for the k1 income. Condition remains,
missing end of year 2025 and YTD 2026 income. Majoirty of monthly income is from k1. 10/5 Client provided an exception to allow the without updated YTD income
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
93
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
423
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
423
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing all PITIA documents for XXX.
|
9.29.2026 Client provided HOI and taxes along with HELOC stating for requested property supporting amount used on REO of 1003 and credit report having the PI
payment.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
272
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
(No Data)
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA > min required reserves of XXX mo's for the subject, $XXX + XXX mo's for other REO $XXX
|
|
178
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ XXX months PITI > min required reserves of XXX mo's for the subject, $XXX + XXX mo's for other REO $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
57
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
407
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX
Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has stable employment with XXX years at current job.
|
|
144
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
XXX% tolerance in the amount of $XXX due to increase in Discount Points fee on CD XXX with no COC or Rate Lock (confirming fee increased due to no Escrows).
Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
09/30/26 Client provided an Email response from Seller stating: ILE disclosed XXX for Points establishing the baseline which was carried all the way through to
the ICD. On XXX the loan was repriced due to tax escrows being waived, this was processed as a valid chance of circumstance impacting points. On XXX an RCD was issued with the increase in Points from XXX to XXX, customer confirmed the RCD on
XXX. The XXX increase in points was disclosed timely, no cure due. Condition remains. File is missing the required change in circumstance documentation that establishes the borrower request to waive escrows. The Escrow Waiver forms in file
are all dated at Closing. Provide the missing XXX change documentation to validate the added Points for the escrow waiver. Subject to re-review.10/05/26 Client provided XXX event detail entry reflecting the pricing change and waiver of
escrows.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXXrequired.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
|
|
144
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Insurance effective date XXX; disbursement date XXX per the final CD.
|
Client provided exception approval for Insurance Effective date is greater than the transaction date
|
XXX final grade B
|
Not Applicable
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXXrequired.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
|
|
144
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5352
|
Flood Effective date is greater than the transaction date
|
No
|
Flood insurance effective date XXX; disbursement date XXX per the final CD.
|
9/28 client provided an exception to allow the Flood insurance effective XXX day after funding
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
Not Applicable
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXXrequired.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
|
|
169
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX + XXX Months for Additional REO or ( $ XXX X
XXX = $ XXX)
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
364
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Good mortgage payments XXXxXXX
|
|
364
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation that supports the original appraisal value
|
10.9.2026 Client provided Xcel spreadsheet w/XXX AVM info Confidence Score XXX dated XXX with value of $XXX; value not supported with Confidence score of XXX.
Condition remains, missing acceptable 3rd party valuation supporting value. XXX On review confidence score XXX is accepted
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Good mortgage payments XXXxXXX
|
|
364
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR5355
|
Most recent FSD score outside of approved variance
|
No
|
Condition triggered with receipt and review of XXX AVM info, per Xcel spreadsheet. Most recent FSD score outside of approved variance
|
10.9.2026 Client provided Xcel spreadsheet w/XXX AVM info Confidence Score XXX dated XXX with value of $XXX; value not supported with Confidence score of XXX.
Missing acceptable 3rd party valuation supporting value. XXX On review confidence score XXX is accepted
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Good mortgage payments XXXxXXX
|
|
140
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX
Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets are sufficient to cover required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% is below guideline max of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
|
|
140
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing mortgage statement and tax and insurance information for XXX supporting a monthly PITIA $XXX and mortgage statement and tax information for XXX
supporting a monthly PITIA $XXX
|
9.28.2026 Client provided copy of subject mtg statement for both requested properties supporting the PITI payment as listed on REO of 1003 and Schedule E
(2025/2024) in file supports the other/HOA amount as listed on REO of 1003: $XXX for XXX and $XXX for XXX
|
condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets are sufficient to cover required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% is below guideline max of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
|
|
159
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
File is missing 3rd party verification of value.
|
10.9.2026 Client provided Xcel spreadsheet w/XXX AVM info Confidence Score XXX dated XXX with value of $XXX; value not supported with Confidence score of XXX.
Condition remains, missing acceptable 3rd party valuation supporting value. XXX On review confidence score is XXX and accepted
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
159
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR5355
|
Most recent FSD score outside of approved variance
|
No
|
Condition triggered w/receipt and review of Xcel spreadsheet w/AVM info Most recent FSD score outside of approved variance
|
10.9.2026 Client provided Xcel spreadsheet w/XXX AVM info Confidence Score XXX dated XXX with value of $XXX; value not supported with Confidence score of XXX.
Missing acceptable 3rd party valuation supporting value. XXX on review score is XXX Accepted
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
8
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing evidence to verify the full PITIA payments for the REOs at XXXand XXX
|
9.30.2026 Client provided mtg statement for both requested properties supporting PITIA as reflected on REO of 1003 and provided HOA $XXX a month (XXX property)
and HOI for XXX property (Condo)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX> min required of $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
8
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing evidence to verify the full PITIA payments for the REOs at XXX and XXX
|
9.30.2026 Client provided mtg statement for both requested properties supporting PITIA as reflected on REO of 1003 and provided HOA $XXX month (XXX property) and
HOI for XXX property (Condo)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX> min required of $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
8
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Missing the VVOE for borrower 1
|
9.29.2026 Client provided VVOE for B1 dated XXX (Note date XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX> min required of $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
170
|
XXXXXX
|
XXXXXX
|
QM: Rebuttable Presumption (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months XXX on current mortgage
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI
|
|
170
|
XXXXXX
|
XXXXXX
|
QM: Rebuttable Presumption (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Missing QM Determinatiion
|
9.30.2026 Client provided Lender XXX Report w/ QM Rebuttable and DD Firm status is QM Safe harbor, loan is deemed QM Safe Harbor
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months XXX on current mortgage
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI
|
|
195
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
195
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
File is missing 3rd party verification of value.
|
10.9.2026 Client provided Xcel spreadsheet w/XXX AVM info Confidence Score XXX dated XXX with value of $XXX ; value not supported with Confidence score of XXX.
Condition remains, missing acceptable 3rd party valuation supporting value. XXX On review conf score is XXX and accepted
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
195
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR5355
|
Most recent FSD score outside of approved variance
|
No
|
Condition triggered with review/receipt of Xcel spreadsheet w/AVM info Most recent FSD outside of approved variance
|
10.9.2026 Client provided Xcel spreadsheet w/XXX AVM info Confidence Score XXX dated XXX with value of $XXX; value not supported with Confidence score of XXX.
Missing acceptable 3rd party valuation supporting value.
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
221
|
XXXXXX
|
XXXXXX
|
QM: Rebuttable Presumption (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months reserves, XXX months reserves required or $XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
97
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Guideline max LTV is XXX%, qualifying LTV is XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
|
|
121
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: XXX+ years in same line of work.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
374
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL225
|
Missing Rider
|
No
|
Missing PUD Rider
|
10.21.2026 Client provided executed PUD Rider
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
408
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
35
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX DTI is below the maximum allowed DTI of XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX LTV is XXX below the maximum allowable LTV of XXX.
|
|
98
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI > min required reserves of XXX mo's for the subject $XXX+ XXX mo's for other financed REO $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
107
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Required Affiliate Business Disclosure missing.
|
10/22/26 Client provided an approved exception for the missing ABD.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
|
|
107
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
|
|
107
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR865
|
Missing proof of flood insurance in File
|
No
|
Missing flood policy
|
10.21.2026 Client provided copy of subject flood insurance policy.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
|
|
107
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS DU case #XXX per 1008
|
10.26.2026 Client provided DU AUS #XXX with file having 2nd full appraisal
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
|
|
296
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower XXX year at current employment per 1065 business started XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
|
|
Client Name:
|
||||
|
Client Project Name:
|
SEMT 2026-14
|
|||
|
Start - End Dates:
|
5/19/2026 - 10/22/2026
|
|||
|
Deal Loan Count:
|
234
|
|||
|
Conditions Report 2.0
|
||||
|
Loans in Report:
|
234
|
|||
|
Loans with Conditions:
|
185
|
|||
|
Loan Number
|
Lender Application Date
|
Broker Application Date
|
Initial Securitization Overall Loan Grade
|
Final Securitization Overall Loan Grade
|
Initial Securitization Credit Loan Grade
|
Final Securitization Credit Loan Grade
|
Initial Securitization Property Valuations Loan Grade
|
Final Securitization Property Valuations Loan Grade
|
Initial Securitization Compliance Loan Grade
|
Final Securitization Compliance Loan Grade
|
Initial S&P Overall Loan Grade
|
Final S&P Overall Loan Grade
|
Initial S&P Credit Loan Grade
|
Final S&P Credit Loan Grade
|
Initial S&P Property Valuations Loan Grade
|
Final S&P Property Valuations Loan Grade
|
Initial S&P Compliance Loan Grade
|
Final S&P Compliance Loan Grade
|
Did Lender Acknowledge Exception at Origination
|
|
175
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
Not Applicable
|
|
235
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
No
|
|
254
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
126
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
99
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
194
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
147
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Not Applicable
|
|
290
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
269
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
36
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
395
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Not Applicable
|
|
101
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
23
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
366
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Not Applicable
|
|
260
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
278
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
Not Applicable
|
|
77
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
No
|
|
224
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
112
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
145
|
XXXXXX
|
XXXXXX
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
134
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
206
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
88
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
No
|
|
2
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
No
|
|
6
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
No
|
|
275
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
394
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
47
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
225
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
399
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
342
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
193
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
82
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
Not Applicable
|
|
79
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
355
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
391
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
239
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
271
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
377
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
42
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
216
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
76
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
16
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
402
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
92
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
354
|
XXXXXX
|
XXXXXX
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
227
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
10
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
No
|
|
289
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
Not Applicable
|
|
182
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
109
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
146
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Yes
|
|
72
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
125
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
369
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
133
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
419
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
56
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
No
|
|
241
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
No
|
|
127
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
120
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
11
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
307
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
220
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
346
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
400
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
312
|
XXXXXX
|
XXXXXX
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
252
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
343
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
136
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
4
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
415
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
No
|
|
293
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
85
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
61
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
186
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
209
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
420
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
87
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
Not Applicable
|
|
167
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
306
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
180
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
48
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
110
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
22
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
No
|
|
349
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
123
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
No
|
|
91
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
212
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
362
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
386
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
232
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
89
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
168
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
304
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
229
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
318
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
24
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
248
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
No
|
|
181
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
308
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
No
|
|
230
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
166
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
7
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
62
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
297
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
173
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
380
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
94
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
223
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
310
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
276
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
116
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Not Applicable
|
|
300
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
410
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
347
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
189
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
417
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
No
|
|
294
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
No
|
|
171
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
314
|
XXXXXX
|
XXXXXX
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
No
|
|
39
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
199
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
341
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
333
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Not Applicable
|
|
15
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
96
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
104
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
291
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
387
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
185
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Not Applicable
|
|
259
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
257
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
392
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
277
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
No
|
|
311
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
174
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
No
|
|
37
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
40
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
282
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
361
|
XXXXXX
|
XXXXXX
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
385
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
60
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
201
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
267
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
196
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
138
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
184
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
414
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
149
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
253
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
No
|
|
49
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
74
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
No
|
|
59
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
298
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
389
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
176
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
86
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
288
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
66
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
111
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
102
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
335
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
330
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
384
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
368
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
113
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
207
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
34
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
270
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
65
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
238
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
200
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
128
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
52
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
231
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
163
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
204
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
233
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
B
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
B
|
B
|
C
|
B
|
Yes
|
|
348
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
382
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
75
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
261
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
236
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
19
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
411
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
187
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
118
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
279
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
53
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
100
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
208
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
29
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
157
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
172
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
81
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
164
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
67
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
367
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
1
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
256
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
46
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
265
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
156
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
No
|
|
155
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
21
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
No
|
|
105
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
27
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
328
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Not Applicable
|
|
44
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
84
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
93
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
423
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
272
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
178
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
57
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
407
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
144
|
XXXXXX
|
XXXXXX
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
169
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
364
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
No
|
|
140
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
159
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
8
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
170
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
195
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
221
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
97
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
121
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
374
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
408
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
35
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
98
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
107
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
No
|
|
296
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|