Exhibit 99.1
Schedule 3 - Exception Grades
Exception Grades
Run Date - 11/12/2026 2:58:09 PM
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Waived with Regrade | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 224340270 | [Redacted] | [Redacted] | 34888879 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception Requested and Approved to proceed with [redacted] Appraisal and CDA although guidelines require [redacted] appraisals for loan amounts > $[redacted]M. Condition for - Loan must receive a grade of "B" or better from due diligence - No undisclosed exceptions. - Loan must remain current through settlement |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. The representative FICO score is above [redacted]. |
Borrower has been employed in the same industry for more than [redacted] years. DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2025-11-18): Client elects to waive with compensating factors. Buyer Comment (2025-11-17): All conditions have been uploaded, please review and clear, thank you! |
11/18/2025 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 224340270 | [Redacted] | [Redacted] | 34889708 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification not provided for property address-[redacted]. | Reviewer Comment (2025-11-18): Tax verification document received. Buyer Comment (2025-11-17): Property Detail Report |
11/18/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 224340270 | [Redacted] | [Redacted] | 34889710 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification not provided in file for property address-[redacted] | Reviewer Comment (2025-11-18): Tax verification document received. Buyer Comment (2025-11-17): Property Detail Report - [redacted] |
11/18/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 224340270 | [Redacted] | [Redacted] | 34889725 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary ([redacted]) / [redacted] not provided | Approval or [redacted] not provided. | Reviewer Comment (2025-11-18): [redacted] received and updated. Buyer Comment (2025-11-17): [redacted] |
11/18/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 225772669 | [Redacted] | [Redacted] | 36772665 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Bank statements provided are from [redacted] to [redacted]. No statements within [redacted] days of note date have been provided. | Reviewer Comment (2026-06-26): Received bank statement within [redacted] days of Note date. Exception cleared. Buyer Comment (2026-06-25): Please review document[redacted] there is an Accountcheck dated [redacted] to cover the most recent bank statement. This should more than suffice to cover the condition. Please advise. Reviewer Comment (2026-06-24): This is a rate/term refinance transaction. Subject net proceeds can be used for a cash-out transaction to meet reserve requirements. Please provide the most recent monthly bank statement to document the required reserves of $[redacted] Exception remains. Buyer Comment (2026-06-22): Please advise why the bank statements are needed for this program. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225772669 | [Redacted] | [Redacted] | 36856715 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - DSCR | Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has: Long term Landlord Experience | SitusAMC,Aggregator | Reviewer Comment (2026-07-02): Lender exception with Comp factors to use higher lease amount , [redacted] month of recent receipts provide. within tolerance. brings DSCR to [redacted] Buyer Comment (2026-06-30): Exception |
07/02/2026 | Yes | 2 | B | B | B | B | B | TX | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 225781806 | [Redacted] | [Redacted] | 36805039 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI on lender's [redacted] reflects [redacted]. | Reviewer Comment (2026-08-18): Bid tape updated. Buyer Comment (2026-08-14): Bid tape has been updated. Kindly remove this condition Reviewer Comment (2026-07-10): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Reviewer Comment (2026-07-09): Received updated [redacted] with correct DTI and [redacted], but Bid Tape is still reflecting DTI [redacted] which needs to be updated as per [redacted] to clear the condition. Exception remains. Buyer Comment (2026-07-08): Please see revised [redacted]. DTI is sitting at [redacted] within tolerance. Kindly remove condition Reviewer Comment (2026-07-06): As per Final [redacted] Subject Property has [redacted]% Vacancy method +[redacted] REO's Property =$[redacted]+$[redacted]+$[redacted]=$[redacted] excluding primary property address. Exception remains Buyer Comment (2026-07-02): between subject property and all REO's, negative cash flow is true at $[redacted] Please reevaluate and remove conditions Reviewer Comment (2026-07-01): Received updated [redacted] with incorrect Neg Cash Flow ([redacted] Home/Inv Subject Property Only) of $[redacted] As per [redacted] comments used only [redacted]% from [redacted]. The DTI is matching with old [redacted], but Bid Tape is still reflecting DTI [redacted]% which is needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-06-29): Please see attached copy of [redacted] reflecting DTI at [redacted]. Please remove condition |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | C | C | B | A | A | C | C | N/A | N/A | No | |||||||||||
| 225781806 | [Redacted] | [Redacted] | 36805049 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Please provide HOA verification for property - [redacted]: REO. | Reviewer Comment (2026-07-01): Received HOA verification. Exception cleared. Buyer Comment (2026-06-29): Please see attached confirmation of HOA to clear the condition |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | C | C | B | A | A | C | C | N/A | N/A | No | ||||||||||
| 225781806 | [Redacted] | [Redacted] | 36805060 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: [redacted] | Secondary valuation does not support value within the required [redacted]% threshold. Lender approved exception to allow no full secondary appraisal. |
Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Documentation Type: [redacted] Disposable Income: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-07): Client accepts. Reviewer Comment (2026-10-06): Cannot waive and downgrade securitization exceptions. Buyer Comment (2026-09-29): Please see attached copy of Lender Exception to clear remaining conditions Reviewer Comment (2026-09-16): Provided exterior appraisal has a value of $[redacted] which is not within [redacted]% tolerance of original appraisal value $[redacted] Buyer Comment (2026-09-14): Please see attached copy of appraisal to clear condition Reviewer Comment (2026-07-10): Re-opening as unable to apply lender exception to securitization requirements. Buyer Comment (2026-07-08): Please see attached copy of lender exception to clear condition |
No | 3 | C | C | C | C | C | C | C | C | C | C | CA | Investment | Refinance - Cash-out - Other | C | C | C | B | A | A | C | C | N/A | N/A | No | |||||||||
| 225781806 | [Redacted] | [Redacted] | 36805105 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | The Desk Review or Field Review effective date does not match the Appraisal effective date. | Reviewer Comment (2026-08-24): Received Field Review with correct effective date. Exception cleared. Buyer Comment (2026-08-20): Please see attached revision to clear remaining condition Reviewer Comment (2026-07-09): Field review is reflecting effective date [redacted] and appraisal report is reflecting [redacted]. Exception remains. Buyer Comment (2026-07-08): waterfall |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | C | C | B | A | A | C | C | N/A | N/A | No | |||||||||||
| 225781806 | [Redacted] | [Redacted] | 37679689 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: LTV | Reviewer Comment (2026-10-01): Cleared. Corrected LTV valuation. Buyer Comment (2026-09-29): waterfall Reviewer Comment (2026-09-29): $[redacted] property value is from the exterior appraisal report which is dated [redacted], [redacted] months after closing. The property value from origination appraisal is $[redacted] and LTV is [redacted]%. Exception remains. Buyer Comment (2026-09-28): Please see attached copy of revised [redacted] to clear this suspense condition |
10/01/2026 | No | 1 | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | C | C | C | B | A | A | C | C | N/A | N/A | No | ||||||||||||||||
| 225781806 | [Redacted] | [Redacted] | 37724567 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The valuation selected as "Use for LTV" was obtained post-close. Sec ID: [redacted] | Unable to downgrade/waive due to the max LTV on the lender approved exception was maxed at [redacted]%. however the LTV is at [redacted]%. | Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Documentation Type: [redacted] Disposable Income: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-07): Client accepts. Reviewer Comment (2026-10-06): Cannot waive and downgrade securitization exceptions. Buyer Comment (2026-10-01): Lender Exception page [redacted] Buyer Comment (2026-10-01): Please see attached copy of revised lender exception to clear remaining conditions |
No | 3 | C | C | C | N/A | C | CA | Investment | Refinance - Cash-out - Other | C | C | C | B | A | A | C | C | N/A | N/A | No | ||||||||||||||
| 225781806 | [Redacted] | [Redacted] | 37724753 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Using the lower value for the LTV of [redacted]% as is Lender, however the lender exception approval maxed the LTV at [redacted]%. | Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Documentation Type: [redacted] Disposable Income: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-05): Lender Exception with Compensating Factors provided. Reviewer Comment (2026-10-05): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated loan to value percentage of [redacted]% exceeds Guideline loan to value percentage of [redacted]%. Buyer Comment (2026-10-02): waterfall |
10/05/2026 | Yes | 2 | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | C | C | B | A | A | C | C | N/A | N/A | No | |||||||||||||
| 225781806 | [Redacted] | [Redacted] | 37724754 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Using the lower value for the LTV of [redacted]% as is Lender, however the lender exception approval maxed the LTV at [redacted]%. | Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Documentation Type: [redacted] Disposable Income: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-05): Lender Exception with Compensating Factors provided. Reviewer Comment (2026-10-05): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated combined loan to value percentage of [redacted]% exceeds Guideline combined loan to value percentage of [redacted]%. Buyer Comment (2026-10-02): waterfall |
10/05/2026 | Yes | 2 | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | C | C | B | A | A | C | C | N/A | N/A | No | |||||||||||||
| 225839201 | [Redacted] | [Redacted] | 36843896 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation missing in file. | Reviewer Comment (2026-07-15): Certificate of formation, cleared Buyer Comment (2026-07-14): Please see attached. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225839201 | [Redacted] | [Redacted] | 36843897 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing missing in file. | Reviewer Comment (2026-07-07): Certificate of good standing provided. Exception cleared. Buyer Comment (2026-07-06): Please see attached. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225839201 | [Redacted] | [Redacted] | 36843898 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution missing in file. | Reviewer Comment (2026-07-07): Corporate resolution provided. Exception cleared. Buyer Comment (2026-07-06): Please see attached. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225839201 | [Redacted] | [Redacted] | 36843899 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) missing in file. | Reviewer Comment (2026-07-07): Employer Identification document received, Exception cleared. Buyer Comment (2026-07-06): Please see attached. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225839201 | [Redacted] | [Redacted] | 36843903 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement missing in file. | Reviewer Comment (2026-07-15): Operating Agreement, cleared Buyer Comment (2026-07-14): Please see attached. Reviewer Comment (2026-07-07): Received operating agreement for [redacted]C instead of [redacted]. Exception remains. Buyer Comment (2026-07-06): Please see attached. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225839201 | [Redacted] | [Redacted] | 36843904 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | Rider - PUD missing in file. | Reviewer Comment (2026-07-15): Per updated SI, the subject is not a PUD, cleared Reviewer Comment (2026-07-15): Need a signed PUD Rider Buyer Comment (2026-07-14): Please see attached. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225839201 | [Redacted] | [Redacted] | 36855495 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the most recent [redacted] month mortgage payment history for the borrower's primary residence. | Reviewer Comment (2026-10-08): Received property residence history from [redacted] to [redacted]. Exception cleared. Buyer Comment (2026-10-06): These attachements were uploaded yesterday. Please review and clear condition. Reviewer Comment (2026-10-06): No attachment found in trailing documents. Per operating agreement of [redacted] owned [redacted]% by borrower. Require [redacted] to [redacted] payment history for the primary residence. Exception remains. Buyer Comment (2026-10-05): Please see attached. Buyer Comment (2026-10-02): Please exclude this condition. The mortgage associated with the borrower's primary residence is held in the name of the borrower's LLC and is a commercial/business obligation. Per the promissory note in the file, the borrower executed the note solely in their capacity as a member of the LLC and did not sign individually. Therefore, this obligation is considered business/commercial debt, and individual [redacted]-month mortgage payment history should not be required. Please review the documentation in the file and clear the condition accordingly. Reviewer Comment (2026-09-22): Received Pay History for [redacted] to [redacted]. Please Provide recent history [redacted] up to [redacted] to verify history. Exception Remains. Buyer Comment (2026-09-21): Please see attached. Buyer Comment (2026-09-18): Please see attached. Reviewer Comment (2026-07-07): Provided credit supplement[redacted] does not have payment history for borrower's primary residence [redacted] . Exception remains. Buyer Comment (2026-07-06): Please see attached |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225839201 | [Redacted] | [Redacted] | 36855525 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-07-17): Email from insurance agent indicating [redacted]% replacement cost, cleared Buyer Comment (2026-07-16): Please see attached. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225839201 | [Redacted] | [Redacted] | 36855647 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | HOA Error: Subject is located in a project and HOA Information was not provided. | - | The Security Instrument reflects the property is a PUD, however the appraisal does not and does not provide any PUD information or dues. | Reviewer Comment (2026-07-15): Per updated SI, the subject is not a PUD, cleared Buyer Comment (2026-07-14): Please see attached. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225845955 | [Redacted] | [Redacted] | 36850760 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | The Security Instrument is signed, however, it's not dated. Please provide a signed and dated S.I. | Reviewer Comment (2026-10-01): SI that is signed and dated, cleared Buyer Comment (2026-09-30): please see attached signed corrective mortgage and riders |
10/01/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225879298 | [Redacted] | [Redacted] | 36922156 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225879298 | [Redacted] | [Redacted] | 36922157 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225879298 | [Redacted] | [Redacted] | 36922158 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225879298 | [Redacted] | [Redacted] | 36922193 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | FICO score of [redacted] is less than the guideline representative FICO score of [redacted]. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]yr Full Doc Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-23): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-21): exception |
07/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 225879298 | [Redacted] | [Redacted] | 36922252 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Gift letter was not found in file for the amount of $[redacted] and $[redacted] | Reviewer Comment (2026-09-25): Income calculated correctly. Exception cleared. Reviewer Comment (2026-08-04): RSU Income of $[redacted] has been included twice by Lender for Co-Borrower. Income for Borrower [redacted] of $[redacted] + Borrower [redacted] of $[redacted] (Wage Income $[redacted] + RSU Income $[redacted]) = $[redacted] Vs Lender's Income= $[redacted] Exception is due to DTI threshold not met. Exception remains. Buyer Comment (2026-07-31): You're not including the RSU income on worksheet[redacted]. Please include the additional $[redacted] |
09/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225879298 | [Redacted] | [Redacted] | 36922257 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Gift letter was not found in file for the amount of $[redacted] and $[redacted] | Reviewer Comment (2026-09-25): Income calculated correctly. Exception cleared. Reviewer Comment (2026-08-04): RSU Income of $[redacted] has been included twice by Lender for Co-Borrower. Income for Borrower [redacted] of $[redacted] + Borrower [redacted] of $[redacted] (Wage Income $[redacted] + RSU Income $[redacted]) = $[redacted] Vs Lender's Income= $[redacted] Exception is due to DTI threshold not met. Exception remains. Buyer Comment (2026-07-31): You're not including the RSU income on worksheet[redacted]. Please include the additional $[redacted] Reviewer Comment (2026-07-23): Exception is due to DTI threshold not met, exception remains. Buyer Comment (2026-07-21): Gift docs |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879298 | [Redacted] | [Redacted] | 36922342 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI discrepancy due to combined other income utilized by Lender with no source document in file and not reflected on provided income worksheet. | Reviewer Comment (2026-09-25): Income calculated correctly. Exception cleared. Buyer Comment (2026-09-23): Updated [redacted]/[redacted] with added PAU , modified exception Reviewer Comment (2026-08-04): RSU Income of $[redacted] has been included twice by Lender for Co-Borrower. Income for Borrower [redacted] of $[redacted] + Borrower [redacted] of $[redacted] (Wage Income $[redacted] + RSU Income $[redacted]) = $[redacted] Vs Lender's Income= $[redacted] Exception is due to DTI threshold not met. Exception remains. Buyer Comment (2026-07-31): You're not including the RSU income on worksheet[redacted]. Please include the additional $[redacted] |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225901025 | [Redacted] | [Redacted] | 36965318 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Reviewer Comment (2026-08-18): Cleaered. Received documentation for property expenses. Buyer Comment (2026-08-17): please see attached and re-baseline the exception if you still need something else Reviewer Comment (2026-08-11): Documentation to confirm the new mortgage payment of $[redacted] is not located in the file. Documention to support excluding the property expenses is not located in the file. A final CD is required because it is not the departing primary residence. Reviewer Comment (2026-08-11): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Insurance Verification, Statement, Tax Verification Buyer Comment (2026-08-11): see uploaded Buyer Comment (2026-08-11): REO docs Reviewer Comment (2026-08-10): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Statement Reviewer Comment (2026-08-10): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Address: [redacted] EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Statement Statement Reviewer Comment (2026-08-04): Provided [redacted] does not show Tax and Insurance payment. Please provided bifurcation of tax and insurance [redacted]g with supporting documents to consider. Also, updated [redacted] considering these expenses under ratio. Exception Remains. Buyer Comment (2026-07-31): also, that home is retained and not being sold.. Buyer Comment (2026-07-31): The mortgage statement was already provided previously as originally requested for [redacted] County [redacted]. The taxes and insurance show escrowed on the mortgage statement. Reviewer Comment (2026-07-31): [redacted].From credit report we can identify borrower is making monthly payment of $[redacted] for property [redacted] County [redacted]. Please provided mortgage statement for same. If mortgage payment as per not escrowed require tax cert and HOI policy. [redacted]. Also received letter stating borrower is going to sell property [redacted] County [redacted], require evidence for sale of property. Please provide updated [redacted] and [redacted]. Exception Remains. Buyer Comment (2026-07-29): [redacted] Reviewer Comment (2026-07-28): Mortgage Statement for [redacted] received and updated. Closing Disclosure provided for [redacted] does not have any P&I while final [redacted] shows $[redacted] due to which DTI is exceeding. Please provided updated [redacted] or CD. Buyer Comment (2026-07-24): MTG statements |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225901025 | [Redacted] | [Redacted] | 36965413 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Based on approval in file borrower was obtaining a [redacted] to provide funds for closing as well as pay off several debts. There is no documentation in file to evidence the [redacted] was received and the payoff of the debts. | Reviewer Comment (2026-07-28): [redacted] CD received, reserve requirement met. Buyer Comment (2026-07-24): [redacted] |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225901025 | [Redacted] | [Redacted] | 36965462 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Based on approval in file borrower was obtaining a [redacted] to provide funds for closing as well as pay off several debts. There is no documentation in file to evidence the [redacted] was received and the payoff of the debts. | Reviewer Comment (2026-07-28): [redacted] CD received, reserve requirement met. Buyer Comment (2026-07-24): see uploaded |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225901025 | [Redacted] | [Redacted] | 36965463 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Based on approval in file borrower was obtaining a [redacted] to provide funds for closing as well as pay off several debts. There is no documentation in file to evidence the [redacted] was received and the payoff of the debts. | Reviewer Comment (2026-07-28): [redacted] CD received, reserve requirement met. Buyer Comment (2026-07-24): see uploaded |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225901025 | [Redacted] | [Redacted] | 36965522 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Based on approval in file borrower was obtaining a [redacted] to provide funds for closing as well as pay off several debts. There is no documentation in file to evidence the [redacted] was received and the payoff of the debts. | Reviewer Comment (2026-08-21): Document provided Buyer Comment (2026-08-19): The mortgage is excluded because it was paid off by the [redacted] and the bridge was excluded because it's a balloon payment and doesn't have a monthly payment Reviewer Comment (2026-08-18): DTI discrepancy is due to lender excluded the property expense for the County [redacted] property. Buyer Comment (2026-08-17): see uploaded Reviewer Comment (2026-08-11): Documentation to confirm the new mortgage payment of $[redacted] is not located in the file. Documention to support excluding the property expenses is not located in the file. A final CD is required because it is not the departing primary residence. Buyer Comment (2026-08-11): REO docs Buyer Comment (2026-08-11): see uploaded Reviewer Comment (2026-08-04): Provided [redacted] does not show Tax and Insurance payment. Please provided bifurcation of tax and insurance [redacted]g with supporting documents to consider. Also, updated [redacted] considering these expenses under ratio. Exception Remains. Buyer Comment (2026-07-31): The mortgage statement was already provided previously as originally requested for [redacted] County [redacted]. The taxes and insurance show escrowed on the mortgage statement. Also home is retained per [redacted] and not being sold Reviewer Comment (2026-07-31): [redacted].From credit report we can identify borrower is making monthly payment of $[redacted] for property [redacted] County [redacted]. Please provided mortgage statement for same. If mortgage payment as per not escrowed require tax cert and HOI policy. [redacted]. Also received letter stating borrower is going to sell property [redacted] County [redacted], require evidence for sale of property. Please provide updated [redacted] and [redacted]. Exception Remains. Buyer Comment (2026-07-29): see uploaded Reviewer Comment (2026-07-28): Mortgage Statement for [redacted] received and updated. Closing Disclosure provided for [redacted] does not have any P&I only taxes and insurance while final [redacted] shows $[redacted] due to which DTI is exceeding. Please provided updated [redacted] or CD. Buyer Comment (2026-07-24): see uploaded |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225901025 | [Redacted] | [Redacted] | 36965524 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are [redacted] or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Based on approval in file borrower was obtaining a [redacted] to provide funds for closing as well as pay off several debts. There is no documentation in file to evidence the [redacted] was received and the payoff of the debts. | Reviewer Comment (2026-07-28): [redacted] CD received, reserve requirement met. Buyer Comment (2026-07-24): see uploaded |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225901025 | [Redacted] | [Redacted] | 36965583 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Mortgage statement is missing for both addresses, i.e., [redacted] and [redacted] County [redacted]. | Reviewer Comment (2026-07-28): [redacted] CD received, reserve requirement met. Buyer Comment (2026-07-24): see uploaded |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225901025 | [Redacted] | [Redacted] | 36965609 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Based on approval in file borrower was obtaining a [redacted] to provide funds for closing as well as pay off several debts. There is no documentation in file to evidence the [redacted] was received and the payoff of the debts. | Reviewer Comment (2026-08-21): Document provided Reviewer Comment (2026-08-21): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-08-19): The mortgage is excluded because it was paid off by the [redacted] and the bridge was excluded because it's a balloon payment and doesn't have a monthly payment Reviewer Comment (2026-08-18): DTI discrepancy is due to lender excluded the property expense for the County [redacted] property. Buyer Comment (2026-08-17): see uploaded Reviewer Comment (2026-08-11): Documention to support excluding the property expenses is not located in the file. A final CD is required because it is not the departing primary residence. Reviewer Comment (2026-08-11): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-08-11): see uploaded Reviewer Comment (2026-08-10): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Reviewer Comment (2026-08-04): Provided [redacted] does not show Tax and Insurance payment. Please provided bifurcation of tax and insurance [redacted]g with supporting documents to consider. Also, updated [redacted] considering these expenses under ratio. Exception Remains. Buyer Comment (2026-07-31): The mortgage statement was already provided previously as originally requested for [redacted] County [redacted]. The taxes and insurance show escrowed on the mortgage statement. Also home is retained per [redacted] and not being sold Reviewer Comment (2026-07-31): [redacted].From credit report we can identify borrower is making monthly payment of $[redacted] for property [redacted] County [redacted]. Please provided mortgage statement for same. If mortgage payment as per not escrowed require tax cert and HOI policy. [redacted]. Also received letter stating borrower is going to sell property [redacted] County [redacted], require evidence for sale of property. Please provide updated [redacted] and [redacted]. Exception Remains. Buyer Comment (2026-07-29): see uploaded Reviewer Comment (2026-07-28): Mortgage Statement for [redacted] received and updated. Closing Disclosure provided for [redacted] does not have any P&I only taxes and insurance while final [redacted] shows $[redacted] due to which DTI is exceeding. Please provided updated [redacted] or CD. Buyer Comment (2026-07-24): see uploaded |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225901025 | [Redacted] | [Redacted] | 36996519 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Based on approval in file borrower was obtaining a [redacted] to provide funds for closing as well as pay off several debts. There is no documentation in file to evidence the [redacted] was received and the payoff of the debts. | Reviewer Comment (2026-08-21): Document provided Buyer Comment (2026-08-19): The mortgage is excluded because it was paid off by the [redacted] and the bridge was excluded because it's a balloon payment and doesn't have a monthly payment Reviewer Comment (2026-08-18): DTI discrepancy is due to lender excluded the property expense for the County [redacted] property. Buyer Comment (2026-08-17): see uploaded Reviewer Comment (2026-08-11): Documention to support excluding the County [redacted] property expenses is not located in the file. A final CD is required because it is not the departing primary residence. Buyer Comment (2026-08-11): REO docs Buyer Comment (2026-08-11): see uploaded Reviewer Comment (2026-08-04): Provided [redacted] does not show Tax and Insurance payment. Please provided bifurcation of tax and insurance [redacted]g with supporting documents to consider. Also, updated [redacted] considering these expenses under ratio. Exception Remains. Buyer Comment (2026-07-31): The mortgage statement was already provided previously as originally requested for [redacted] County [redacted]. The taxes and insurance show escrowed on the mortgage statement. Also home is retained per [redacted] and not being sold Reviewer Comment (2026-07-31): [redacted].From credit report we can identify borrower is making monthly payment of $[redacted] for property [redacted] County [redacted]. Please provided mortgage statement for same. If mortgage payment as per not escrowed require tax cert and HOI policy. [redacted]. Also received letter stating borrower is going to sell property [redacted] County [redacted], require evidence for sale of property. Please provide updated [redacted] and [redacted]. Exception Remains. Buyer Comment (2026-07-29): see uploaded Reviewer Comment (2026-07-28): Mortgage Statement for [redacted] received and updated. Closing Disclosure provided for [redacted] does not have any P&I only taxes and insurance while final [redacted] shows $[redacted] due to which DTI is exceeding. Please provided updated [redacted] or CD. Buyer Comment (2026-07-24): see uploaded |
08/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225901025 | [Redacted] | [Redacted] | 36996520 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Based on approval in file borrower was obtaining a [redacted] to provide funds for closing as well as pay off several debts. There is no documentation in file to evidence the [redacted] was received and the payoff of the debts. | Reviewer Comment (2026-07-28): [redacted] CD received confirming pay off of [redacted] Debt. Buyer Comment (2026-07-24): see uploaded |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225901025 | [Redacted] | [Redacted] | 36996523 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Based on approval in file borrower was obtaining a [redacted] to provide funds for closing as well as pay off several debts. There is no documentation in file to evidence the [redacted] was received and the payoff of the debts. | Reviewer Comment (2026-07-28): [redacted] CD received confirming pay off of [redacted] Debt. DTI is below [redacted]%. Buyer Comment (2026-07-24): see uploaded |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225901025 | [Redacted] | [Redacted] | 37191730 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Per guidelines, to exclude property expense for the departing property, A letter of explanation stating an intent to list the property for list, listing agreement for properties listed for sale, or contract for sale is required. A full or exterior only appraisal evidencing the departing residence hast at least [redacted]% equity after deduction of all liens outstanding against the property is also required. |
Reviewer Comment (2026-08-11): Cleared. Listing agreement and appraisal not required. Borrower is selling the County [redacted] property instead the departing home. |
08/11/2026 | No | 1 | A | A | A | A | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225901025 | [Redacted] | [Redacted] | 37207297 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Documentation to confirm the new mortgage payment of $[redacted] is not located in the file. Documention to support excluding the property expenses is not located in the file. A final CD is required because it is not the departing primary residence. | Reviewer Comment (2026-08-21): Document provided Buyer Comment (2026-08-19): The mortgage is excluded because it was paid off by the [redacted] and the bridge was excluded because it's a balloon payment and doesn't have a monthly payment Reviewer Comment (2026-08-18): DTI discrepancy is due to lender excluded the property expense for the County [redacted] property. Buyer Comment (2026-08-17): see uploaded |
08/21/2026 | No | 1 | A | A | A | A | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225901025 | [Redacted] | [Redacted] | 37207475 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Documention to support excluding the property expenses is not located in the file. A final CD is required because it is not the departing primary residence. | Reviewer Comment (2026-08-21): [redacted] document provided Buyer Comment (2026-08-19): The mortgage is excluded because it was paid off by the [redacted] and the bridge was excluded because it's a balloon payment and doesn't have a monthly payment Reviewer Comment (2026-08-18): DTI discrepancy is due to lender excluded the property expense for the County [redacted] property. Buyer Comment (2026-08-17): see uploaded |
08/21/2026 | No | 1 | A | A | A | A | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225936983 | [Redacted] | [Redacted] | 37018045 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Declining Prepayment Rider was not found in the file. | Reviewer Comment (2026-08-05): Received prepayment rider document. Exception Cleared. Buyer Comment (2026-08-04): PPP rider |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225936983 | [Redacted] | [Redacted] | 37018047 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification(s) of employment was not within [redacted] business days of the Note. | Reviewer Comment (2026-09-16): Verification of employment received. Exception cleared. Buyer Comment (2026-09-14): VVOE |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225961129 | [Redacted] | [Redacted] | 37046096 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | ID | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225961129 | [Redacted] | [Redacted] | 37048219 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Documents were not found in the file to verify payments for this property. Statement and Insurance were not able to be verified. | Reviewer Comment (2026-10-07): HOI amount updated from received Hazard insurance policy. Exception cleared. Buyer Comment (2026-10-05): Please review the previously attached [redacted] insurance policy. Under Section II - Liability, Description of Premises, Location [redacted] specifically identifies the property as: [redacted] This is the property referenced in the exception. The policy therefore provides evidence that the subject REO property is included on the borrower's insurance policy. Please review the referenced section and clear the insurance portion of the exception. Reviewer Comment (2026-08-03): Please provide document which reflect property address [redacted], Exception Remains. Buyer Comment (2026-07-31): This home is free and clear of a mortgage. Please see attached for the insurance. |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225961129 | [Redacted] | [Redacted] | 37048220 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Documents were not found in the file to verify payments for this property. Statement, Insurance, and Tax were not able to be verified. | Reviewer Comment (2026-10-07): HOI amount updated from received Hazard insurance policy. Exception cleared. Buyer Comment (2026-10-05): Please review the previously attached [redacted] insurance policy. Under Section II - Liability, Description of Premises, Location [redacted] specifically identifies the property as: [redacted] This is the property referenced in the exception. The policy therefore provides evidence that the subject REO property is included on the borrower's insurance policy. Please review the referenced section and clear the insurance portion of the exception. Reviewer Comment (2026-10-05): Required Hazard Insurance Policy for REO property [redacted], as the final [redacted] reflects $[redacted] in monthly taxes, insurance, and HOA dues. Of the total amount, $[redacted] has been identified as property taxes ; however, the remaining $[redacted] cannot be reconciled. Doc id [redacted] reflects location [redacted] premium as $[redacted] which is not matching with difference amount of $[redacted] Provide corrected final [redacted] or hazard insurance policy with premium amount in it. Exception remains. Buyer Comment (2026-10-01): Please see attached property tax assessor information and [redacted] report. The assessor records reflect the borrowers' ownership and corresponding parcel/legal description. The [redacted] report ties the same parcel/legal description and ownership information to the subject property referenced in the condition. These documents provide verification that the tax information corresponds to the property in question. Please review the attached documentation and clear the condition. Reviewer Comment (2026-08-03): Please provide document which reflect property address [redacted], Exception Remains. Buyer Comment (2026-07-31): Please see attached taxes, this property is vacant land and does not have insurance. The property is also owned free and clear. Please clear condition. |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225961129 | [Redacted] | [Redacted] | 37051273 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy due to missing REO documents. | Reviewer Comment (2026-10-07): HOI amount updated from received Hazard insurance policy. Exception cleared. Buyer Comment (2026-10-05): Waterfall Reviewer Comment (2026-10-05): Required Hazard Insurance Policy for REO property [redacted], as the final [redacted] reflects $[redacted] in monthly taxes, insurance, and HOA dues. Of the total amount, $[redacted] has been identified as property taxes ; however, the remaining $[redacted] cannot be reconciled. Doc id [redacted] reflects location [redacted] premium as $[redacted] which is not matching with difference amount of $[redacted] Provide corrected final [redacted] or hazard insurance policy with premium amount in it. Exception remains. Buyer Comment (2026-10-01): Waterfall Reviewer Comment (2026-08-03): Provided Hazard and Tax cert documents of REO property's does not reflect designated address [redacted] Buyer Comment (2026-07-31): Waterfall |
10/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | ID | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225961129 | [Redacted] | [Redacted] | 37051274 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are [redacted] or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing REO documents. | Reviewer Comment (2026-10-07): HOI amount updated from received Hazard insurance policy. Exception cleared. Buyer Comment (2026-10-05): Waterfall Reviewer Comment (2026-10-05): Required Hazard Insurance Policy for REO property [redacted], as the final [redacted] reflects $[redacted] in monthly taxes, insurance, and HOA dues. Of the total amount, $[redacted] has been identified as property taxes ; however, the remaining $[redacted] cannot be reconciled. Doc id [redacted] reflects location [redacted] premium as $[redacted] which is not matching with difference amount of $[redacted] Provide corrected final [redacted] or hazard insurance policy with premium amount in it. Exception remains. Buyer Comment (2026-10-01): Waterfall Reviewer Comment (2026-08-03): Provided Hazard and Tax cert documents of REO property's does not reflect designated address [redacted] Buyer Comment (2026-07-31): Waterfall |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225961129 | [Redacted] | [Redacted] | 37051279 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing REO documents. | Reviewer Comment (2026-10-07): HOI amount updated from received Hazard insurance policy. Exception cleared. Buyer Comment (2026-10-05): Waterfall Reviewer Comment (2026-10-05): Required Hazard Insurance Policy for REO property [redacted], as the final [redacted] reflects $[redacted] in monthly taxes, insurance, and HOA dues. Of the total amount, $[redacted] has been identified as property taxes ; however, the remaining $[redacted] cannot be reconciled. Doc id [redacted] reflects location [redacted] premium as $[redacted] which is not matching with difference amount of $[redacted] Provide corrected final [redacted] or hazard insurance policy with premium amount in it. Exception remains. Buyer Comment (2026-10-01): Waterfall Reviewer Comment (2026-08-03): Provided Hazard and Tax cert documents of REO property's does not reflect designated address [redacted] Buyer Comment (2026-07-31): Waterfall |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225961129 | [Redacted] | [Redacted] | 37051280 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing REO documents. | Reviewer Comment (2026-10-07): HOI amount updated from received Hazard insurance policy. Exception cleared. Buyer Comment (2026-10-05): Waterfall Reviewer Comment (2026-10-05): Required Hazard Insurance Policy for REO property [redacted], as the final [redacted] reflects $[redacted] in monthly taxes, insurance, and HOA dues. Of the total amount, $[redacted] has been identified as property taxes ; however, the remaining $[redacted] cannot be reconciled. Doc id [redacted] reflects location [redacted] premium as $[redacted] which is not matching with difference amount of $[redacted] Provide corrected final [redacted] or hazard insurance policy with premium amount in it. Exception remains. Buyer Comment (2026-10-01): Waterfall Reviewer Comment (2026-08-03): Provided Hazard and Tax cert documents of REO property's does not reflect designated address [redacted] Buyer Comment (2026-07-31): Waterfall |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225964047 | [Redacted] | [Redacted] | 37046627 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Lender qualifying DTI is [redacted]% and calculated DTI is [redacted]% due to property [redacted] PITI $[redacted] included in DTI. No evidence provided to exclude the property PITI from DTI. | Reviewer Comment (2026-10-29): Received required documentation. Condition cleared. Buyer Comment (2026-10-28): Please see attached [redacted]/[redacted] including the borrower's departing residence. We have also updated the borrowers income. Please see attached worksheet for adjusted passive income and SSI has been grossed up for both borrowers. DTI can go up to [redacted]% on this one due to the LTV however an updated exception has been provided for the existing exception in regard to the delinquent housing payment. That exception now allows the DTI of [redacted]. Bid Tape update has been sent. |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225964047 | [Redacted] | [Redacted] | 37046650 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Unable to exclude the property at [redacted] due to missing evidence of property been sold. | Reviewer Comment (2026-10-29): Received required documentation. Condition cleared. Buyer Comment (2026-10-28): Please see attached [redacted]/[redacted] including the borrower's departing residence. We have also updated the borrowers income. Please see attached worksheet for adjusted passive income and SSI has been grossed up for both borrowers. DTI can go up to [redacted]% on this one due to the LTV however an updated exception has been provided for the existing exception in regard to the delinquent housing payment. That exception now allows the DTI of [redacted]. Bid Tape update has been sent. |
10/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | ID | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225964047 | [Redacted] | [Redacted] | 37046651 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Lender qualifying DTI is [redacted]% and calculated DTI is [redacted]% due to property [redacted] PITI $[redacted] included in DTI. No evidence provided to exclude the property PITI from DTI. | Reviewer Comment (2026-10-29): Received required documentation. Condition cleared. Buyer Comment (2026-10-28): Please see attached [redacted]/[redacted] including the borrower's departing residence. We have also updated the borrowers income. Please see attached worksheet for adjusted passive income and SSI has been grossed up for both borrowers. DTI can go up to [redacted]% on this one due to the LTV however an updated exception has been provided for the existing exception in regard to the delinquent housing payment. That exception now allows the DTI of [redacted]. Bid Tape update has been sent. |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225964047 | [Redacted] | [Redacted] | 37046653 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | ID | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225964047 | [Redacted] | [Redacted] | 37046691 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The K-1 documents are provided for [redacted] years, which is within the business start date of [redacted]. | Buyer Comment (2026-08-10): waived |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225964047 | [Redacted] | [Redacted] | 37046696 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Lender qualifying DTI is [redacted]% and calculated DTI is [redacted]% due to property [redacted] PITI $[redacted] included in DTI. No evidence provided to exclude the property PITI from DTI. | Reviewer Comment (2026-10-29): Received required documentation. Condition cleared. Reviewer Comment (2026-10-29): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-10-28): Please see attached [redacted]/[redacted] including the borrower's departing residence. We have also updated the borrowers income. Please see attached worksheet for adjusted passive income and SSI has been grossed up for both borrowers. DTI can go up to [redacted]% on this one due to the LTV however an updated exception has been provided for the existing exception in regard to the delinquent housing payment. That exception now allows the DTI of [redacted]. Bid Tape update has been sent. |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225964047 | [Redacted] | [Redacted] | 37046766 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to Lender qualifying DTI is [redacted]% and calculated DTI is [redacted]% due to property [redacted] PITI $[redacted] included in DTI. No evidence provided to exclude the property PITI from DTI. | Reviewer Comment (2026-10-29): Received required documentation. Condition cleared. Buyer Comment (2026-10-28): Please see attached [redacted]/[redacted] including the borrower's departing residence. We have also updated the borrowers income. Please see attached worksheet for adjusted passive income and SSI has been grossed up for both borrowers. DTI can go up to [redacted]% on this one due to the LTV however an updated exception has been provided for the existing exception in regard to the delinquent housing payment. That exception now allows the DTI of [redacted]. Bid Tape update has been sent. |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225964047 | [Redacted] | [Redacted] | 37050939 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-10-29): Received required documentation. Condition cleared. Buyer Comment (2026-10-28): Please see attached [redacted]/[redacted] including the borrower's departing residence. We have also updated the borrowers income. Please see attached worksheet for adjusted passive income and SSI has been grossed up for both borrowers. DTI can go up to [redacted]% on this one due to the LTV however an updated exception has been provided for the existing exception in regard to the delinquent housing payment. That exception now allows the DTI of [redacted]. Bid Tape update has been sent. |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225965015 | [Redacted] | [Redacted] | 37057667 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
DTI discrepancy due to lending utilizing higher primary residence expenses of $[redacted] than $[redacted] reflected on source document to qualify borrower. | Reviewer Comment (2026-10-27): Received updated [redacted]. Cleared. Buyer Comment (2026-10-23): [redacted] |
10/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225965882 | [Redacted] | [Redacted] | 37046928 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided | Available Bylaws document is incomplete. Page [redacted] is missing in file. | Reviewer Comment (2026-10-06): Sufficient documentation. Cleared. Reviewer Comment (2026-10-06): Please provided Lender exception with comp factor and will send for review Buyer Comment (2026-10-02): Borrower is unable to locate page [redacted] of the bylaws. She has contacted her CPA and other shareholders and is unable to obtain the missing document. Please note, The missing page appears to be additional Minutes of First Meeting of Shareholders dated form [redacted] of [redacted]. Based on the age of this missing page, can we please waive the condition on the missing page? Please escalate to management to waive if needed. |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225965882 | [Redacted] | [Redacted] | 37046931 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) is missing in file. | Reviewer Comment (2026-08-31): Received EIN for the entity. Exception cleared. Buyer Comment (2026-08-28): EIN |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225965882 | [Redacted] | [Redacted] | 37050546 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted] and #[redacted] reflects claim of lien and mortgage with outstanding balances in the amount of $[redacted] on Mortgage Schedule, #[redacted]. HUD [redacted] does not reflect payoff of claim of lien and mortgage. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-08-17): Received discharge of mortgage and Judgement documents. Exception cleared. Buyer Comment (2026-08-14): Liens cleared |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225973551 | [Redacted] | [Redacted] | 37055701 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of $[redacted] is less than Guideline Available for Reserves of $[redacted] | Reviewer Comment (2026-09-29): Was able to add the cash to borrower at closing from the overage of the EMD the borrower paid. Condition cleared. Reviewer Comment (2026-09-29): Total funds available are $[redacted] which includes [redacted] sources of EMD of $[redacted]k which cannot be utilized for reserves. The total funds required to close are Reviewer Comment (2026-09-29): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated Available for Reserves of $[redacted] is less than Guideline Available for Reserves of $[redacted] Buyer Comment (2026-09-28): Please review the uploaded final executed Closing Disclosure, which reflects $[redacted] in cash proceeds disbursed to the borrower at closing. This amount exceeds the required reserve amount of $[redacted] Please confirm whether these proceeds were included in the calculation of available reserves. If not, please review and recalculate the available reserves to account for the funds received by the borrower at closing, subject to applicable reserve eligibility requirements. Based on the documentation provided, we are requesting reconsideration and clearance of this exception. If the condition cannot be cleared, please provide clarification regarding the calculation and any additional documentation required. Reviewer Comment (2026-09-21): Reserves shortfall by $[redacted] Bank statement with sufficient funds is required to meet reserves requirement. Exception remains. Buyer Comment (2026-09-17): The referenced $[redacted] represents the borrower's down payment and is consistently reflected throughout the closing documentation, including the Final Closing Disclosure. This is not an additional asset or separate reserve amount requiring independent documentation. The file also contains the supporting documentation previously provided regarding the borrower's available funds. Please review the documentation already provided and clear the condition. If the condition cannot be cleared, please specify exactly what additional documentation is being requested and the applicable requirement. Reviewer Comment (2026-09-01): Exception remains Documentations for $[redacted] are requirement, Please advise Doc ID # if povided Buyer Comment (2026-08-31): Page [redacted] shows a Deposit amount of $[redacted] There are [redacted] letters in the file from [redacted]. Please clear condition. Reviewer Comment (2026-08-25): Final Closing Disclosure [redacted] page is reflecting Down Payment/Funds from Borrower $[redacted] Documentations for $[redacted] are requirement. Exception remains. Buyer Comment (2026-08-21): Please review the final CD from closing. The client received $[redacted] at closing. This is enough to cover the reserve requirement. Please clear condition. |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225973551 | [Redacted] | [Redacted] | 37055806 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance was exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% due to recording fee. | Reviewer Comment (2026-07-23): Sufficient Cure Provided At Closing |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225973551 | [Redacted] | [Redacted] | 37055807 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | No valid COC and insufficient cure was provided. | Reviewer Comment (2026-07-23): Sufficient Cure Provided At Closing |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225973551 | [Redacted] | [Redacted] | 37055808 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | No valid COC and insufficient cure was provided. | Reviewer Comment (2026-07-23): Sufficient Cure Provided At Closing |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225973551 | [Redacted] | [Redacted] | 37055809 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | No valid COC and insufficient cure was provided. | Reviewer Comment (2026-07-23): Sufficient Cure Provided At Closing |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225973551 | [Redacted] | [Redacted] | 37055829 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall exception due to loan designation discrepancy. | Reviewer Comment (2026-09-29): Was able to add the cash to borrower at closing from the overage of the EMD the borrower paid. Condition cleared. Buyer Comment (2026-09-28): Waterfall Reviewer Comment (2026-09-21): Reserves shortfall by $[redacted] Bank statement with sufficient funds is required to meet reserves requirement. Exception remains. Buyer Comment (2026-09-17): Waterfall Reviewer Comment (2026-09-01): Exception remains Documentations for $[redacted] are requirement, Please advise Doc ID # if povided Buyer Comment (2026-08-31): Waterfall Reviewer Comment (2026-08-25): Final Closing Disclosure [redacted] page is reflecting Down Payment/Funds from Borrower $[redacted] Documentations for $[redacted] are requirement. Exception remains. Buyer Comment (2026-08-21): Waterfall |
09/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225973551 | [Redacted] | [Redacted] | 37055830 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall exception due to [redacted]-month bank statement. | Reviewer Comment (2026-09-29): Was able to add the cash to borrower at closing from the overage of the EMD the borrower paid. Condition cleared. Buyer Comment (2026-09-28): Waterfall Reviewer Comment (2026-09-21): Reserves shortfall by $[redacted] Bank statement with sufficient funds is required to meet reserves requirement. Exception remains. Buyer Comment (2026-09-17): Waterfall Reviewer Comment (2026-09-01): Exception remains Documentations for $[redacted] are requirement, Please advise Doc ID # if povided Buyer Comment (2026-08-31): Waterfall Reviewer Comment (2026-08-25): Final Closing Disclosure [redacted] page is reflecting Down Payment/Funds from Borrower $[redacted] Documentations for $[redacted] are requirement. Exception remains. Buyer Comment (2026-08-21): Waterfall |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225973774 | [Redacted] | [Redacted] | 37056342 | Compliance | Compliance | State Compliance | Compliance | [redacted] Day RNY has been discontinued effective [redacted], [redacted]. Average Prime Offer Rate (APOR) used in lieu of RNY effective [redacted], [redacted], pursuant to [redacted] guidance. | Reviewer Comment (2026-08-12): System cleared. |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | C | B | A | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225973774 | [Redacted] | [Redacted] | 37056838 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to insufficient residual income. | Reviewer Comment (2026-10-07): Client elects to downgrade and waive with compensating factors. Buyer Comment (2026-10-05): Please see attached Exception approval for Residual Income. Reviewer Comment (2026-10-02): The lender exception approval states that the residual income is $[redacted] however the verified/calculated residual income is $[redacted] Buyer Comment (2026-09-30): Please see attached Exception approval for Residual Income. |
10/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | A | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225973774 | [Redacted] | [Redacted] | 37056839 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Residual Income: Investor and Non QM vs Guidelines | Ability to Repay (Dodd-Frank [redacted]): Investor's calculated residual income amount ([redacted]) and calculated Non QM residual amount ([redacted]) are both lower than the amount required per the guidelines ([redacted]). | Investor's calculated residual income amount ([redacted]) and calculated Non-QM residual amount ([redacted]) are both lower than the amount required per the guidelines ([redacted]). | Reviewer Comment (2026-10-07): Client elects to downgrade and waive with compensating factors. Buyer Comment (2026-10-05): Please see attached Exception approval for Residual Income. Reviewer Comment (2026-10-02): The lender exception approval states that the residual income is $[redacted] however the verified/calculated residual income is $[redacted] Reviewer Comment (2026-08-25): That is the [redacted]that was excluded from assets. There was no other evidence in the file that the account was paid off and no payment was provided. Buyer Comment (2026-08-21): Why are you excluding [redacted] from [redacted]'s [redacted] account? Reviewer Comment (2026-08-12): Received lender exception approval for residual of $[redacted] however the borrower has only $[redacted] in residual income. Total assets available are $[redacted] - Funds to close $[redacted] which leaves $[redacted] for asset depletion income. $[redacted] = $[redacted]/month. Reviewer Comment (2026-08-12): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank [redacted]): Investor's calculated residual income amount ([redacted]) and calculated Non QM residual amount ([redacted]) are both lower than the amount required per the guidelines ([redacted]). Buyer Comment (2026-08-10): Exception approval allowing only $[redacted] in residual income. Would you confirm that you are dividing the post closing assets by [redacted] and not [redacted]? Guidelines state [redacted] |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | A | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225973774 | [Redacted] | [Redacted] | 37769377 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided for residual income below $[redacted] | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-07): Client elects to downgrade and waive with compensating factors. |
10/07/2026 | Yes | 2 | B | B | B | B | B | NC | Primary | Purchase | C | B | A | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225973776 | [Redacted] | [Redacted] | 37055897 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal not provided in file. | Reviewer Comment (2026-08-25): Appraisal received and associated. Exception cleared. Buyer Comment (2026-08-24): Please see attached. Reviewer Comment (2026-08-21): Appraisal delivery receipt confirmation is provided while we require appraisal report copy of [redacted] with a value of $[redacted] Exception Remains. Buyer Comment (2026-08-19): Please see attached |
08/25/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225973776 | [Redacted] | [Redacted] | 37055901 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | The appraisal is missing. | Reviewer Comment (2026-08-25): Appraisal received and associated. Exception cleared. Buyer Comment (2026-08-24): Waterfall Reviewer Comment (2026-08-21): Appraisal delivery receipt confirmation is provided while we require appraisal report copy of [redacted] with a value of $[redacted] Exception Remains. Buyer Comment (2026-08-19): Waterfall |
08/25/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225973776 | [Redacted] | [Redacted] | 37055923 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | The Certificate of formation has a date on page [redacted], however it is not legible. Please provide the document with the date that is clear. Must be within [redacted] days prior to note date. | Reviewer Comment (2026-10-09): Received VVOE. Condition cleared. Buyer Comment (2026-10-07): Please re-review and clear this condition based on the documentation provided. The Certificate of Formation for [redacted] confirms the business was filed/formed on [redacted], which establishes the business start date. The CPA letter separately confirms that [redacted] has ownership in the business and that the business is currently active. The documentation should be reviewed collectively. The Certificate of Formation provides the business inception/start date, while the CPA letter provides verification of current business ownership and active status. Requiring the CPA letter itself to restate a start date that is already independently documented by the official state-issued Certificate of Formation is duplicative. Please review the Certificate of Formation in conjunction with the CPA letter and clear the condition. Reviewer Comment (2026-10-07): Exception remains CPA letter, however this document does not indicate borrower's start date. page [redacted] of guidesThe letter is good for [redacted] days. The letter shall state: • The name of the business (if there is one), • The Applicant's percentage ownership, • The length of self-employment, and • That the business/Applicant are active and/or in good standing as may be the case per state [redacted] Buyer Comment (2026-10-05): Please re-review Section [redacted] - Income and Employment Requirements and the documentation provided. The guideline requirement for confirmation of the business start date specifically applies to "a letter from the individual who completed the P&L." The subsequent requirements, including confirmation of the business start date, are requirements of that P&L-related letter. The CPA letter provided on this file is not being submitted as the letter from the individual who completed the P&L. It was provided as third-party verification of the borrower's business ownership and active status in response to the outstanding verification condition. The CPA letter dated [redacted] confirms that [redacted] is the [redacted]% owner of Diamond Logistics and that the business is currently active. If [redacted] is requiring the business start date to be included in this separate CPA verification letter, please provide the specific requirement within Section [redacted] - Income and Employment Requirements that requires this verification letter to contain the business start date. The cited start-date requirement applies specifically to the letter from the individual who completed the P&L and does not appear applicable to the documentation provided for this condition. Please re-review and clear the condition or provide the specific applicable guideline supporting the additional requirement. Reviewer Comment (2026-10-05): The CPA letter does not indicate borrower's start date. Exception remains Buyer Comment (2026-10-01): Please see attached CPA letter which is dated less than [redacted] prior to the closing date. Please clear condition. Reviewer Comment (2026-09-28): The third party verification must be dated within [redacted] days prior to note date verifying borrower's dates of operation and good standing. We do have the CPA letter, however this document does not indicate borrower's start date. Buyer Comment (2026-09-28): Please review the Certificate of Formation previously uploaded on [redacted]. The original exception indicated that the date on page [redacted] was illegible. The documentation subsequently provided contains a legible date confirming that the business was formed on [redacted], which is prior to the note date. The exception was subsequently updated to require a Certificate of Formation dated within [redacted] days of the note date. Please clarify the basis for this requirement, as the Certificate of Formation establishes the original formation date of the business, which does not change. If the intent is to obtain current verification of the entity's active status or good standing within [redacted] days of the note date, please confirm whether a Certificate of Good Standing or equivalent documentation would satisfy the requirement. The original legibility concern has been addressed. Please review the documentation already provided and clear the condition or clarify the specific outstanding requirement. Reviewer Comment (2026-09-11): Please provide Certificate of formation within [redacted] days because received is dated [redacted]. Exception Remains. Buyer Comment (2026-09-09): The condition states that page [redacted] was not legible. What I uploaded on [redacted] shows the page [redacted] legible. The document that I uploaded also shows that the business was formated [redacted] which is [redacted] days prior to the note date. Please clear condition. Reviewer Comment (2026-08-25): Required certification of formation within [redacted] days prior to note date. Exception remains. Buyer Comment (2026-08-24): Please see attached. |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225973776 | [Redacted] | [Redacted] | 37055970 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Finance Charge is non-compliant under TRID as the disclosed amount is understated by $[redacted] exceeding the $[redacted] allowable tolerance. Re-disclosure or post-consummation cure required. | Reviewer Comment (2026-08-25): [redacted] received lender atteestation that title-tax cert was a one time fee and not life of loan service. Buyer Comment (2026-08-24): Please see attached. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | A | D | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225973776 | [Redacted] | [Redacted] | 37056008 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-10-09): Received VVOE. Condition cleared. Buyer Comment (2026-10-07): Please re-review and clear this condition based on the documentation provided. The Certificate of Formation for [redacted] confirms the business was filed/formed on [redacted], which establishes the business start date. The CPA letter separately confirms that [redacted] has ownership in the business and that the business is currently active. The documentation should be reviewed collectively. The Certificate of Formation provides the business inception/start date, while the CPA letter provides verification of current business ownership and active status. Requiring the CPA letter itself to restate a start date that is already independently documented by the official state-issued Certificate of Formation is duplicative. Please review the Certificate of Formation in conjunction with the CPA letter and clear the condition. Reviewer Comment (2026-10-07): Exception remains CPA letter, however this document does not indicate borrower's start date. page [redacted] of guidesThe letter is good for [redacted] days. The letter shall state: • The name of the business (if there is one), • The Applicant's percentage ownership, • The length of self-employment, and • That the business/Applicant are active and/or in good standing as may be the case per state [redacted] Buyer Comment (2026-10-06): Reviewed [redacted] response against Section [redacted] - Income and Employment Requirements. Guideline requirement for business start date is specifically listed under the requirements for a letter from the individual who completed the P&L. CPA letter provided was not submitted as P&L-related documentation; it was provided as third-party verification of business ownership and active status. Submitted rebuttal requesting [redacted] re-review and clear condition or identify the specific requirement within Section [redacted] requiring the separate CPA verification letter to include the business start date. Awaiting response. Reviewer Comment (2026-10-05): The CPA letter does not indicate borrower's start date. Exception remains Buyer Comment (2026-10-01): Waterfall Reviewer Comment (2026-09-28): The third party verification must be dated within [redacted] days prior to note date verifying borrower's dates of operation and good standing. We do have the CPA letter, however this document does not indicate borrower's start date. Buyer Comment (2026-09-28): Waterfall Reviewer Comment (2026-09-11): Please provide Certificate of formation within [redacted] days because received is dated [redacted]. Exception Remains. Buyer Comment (2026-09-09): Waterfall Reviewer Comment (2026-08-25): Required certification of formation within [redacted] days prior to note date. Exception remains. Buyer Comment (2026-08-24): Waterfall |
10/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | D | A | Non QM | Non QM | Yes | ||||||||||
| 225973776 | [Redacted] | [Redacted] | 37056009 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Failure due to dates are not legible on the third party verification. | Reviewer Comment (2026-10-09): Received VVOE. Condition cleared. Buyer Comment (2026-10-07): Please re-review and clear this condition based on the documentation provided. The Certificate of Formation for [redacted] confirms the business was filed/formed on [redacted], which establishes the business start date. The CPA letter separately confirms that [redacted] has ownership in the business and that the business is currently active. The documentation should be reviewed collectively. The Certificate of Formation provides the business inception/start date, while the CPA letter provides verification of current business ownership and active status. Requiring the CPA letter itself to restate a start date that is already independently documented by the official state-issued Certificate of Formation is duplicative. Please review the Certificate of Formation in conjunction with the CPA letter and clear the condition. Reviewer Comment (2026-10-07): Exception remains CPA letter, however this document does not indicate borrower's start date. page [redacted] of guidesThe letter is good for [redacted] days. The letter shall state: • The name of the business (if there is one), • The Applicant's percentage ownership, • The length of self-employment, and • That the business/Applicant are active and/or in good standing as may be the case per state [redacted] Buyer Comment (2026-10-06): Reviewed [redacted] response against Section [redacted] - Income and Employment Requirements. Guideline requirement for business start date is specifically listed under the requirements for a letter from the individual who completed the P&L. CPA letter provided was not submitted as P&L-related documentation; it was provided as third-party verification of business ownership and active status. Submitted rebuttal requesting [redacted] re-review and clear condition or identify the specific requirement within Section [redacted] requiring the separate CPA verification letter to include the business start date. Awaiting response. Reviewer Comment (2026-10-05): The CPA letter does not indicate borrower's start date. Exception remains Buyer Comment (2026-10-01): Waterfall Reviewer Comment (2026-09-28): The third party verification must be dated within [redacted] days prior to note date verifying borrower's dates of operation and good standing. We do have the CPA letter, however this document does not indicate borrower's start date. Buyer Comment (2026-09-28): Waterfall Reviewer Comment (2026-09-11): Please provide Certificate of formation within [redacted] days because received is dated [redacted]. Exception Remains. Buyer Comment (2026-09-09): Waterfall Reviewer Comment (2026-08-25): Required certification of formation within [redacted] days prior to note date. Exception remains. Buyer Comment (2026-08-24): Waterfall |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225973783 | [Redacted] | [Redacted] | 37055083 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted] No valid Change of Circumstance was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-10-13): [redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing. Buyer Comment (2026-10-13): Please review the previously uploaded lender attestation and reconsider this exception. Per [redacted]'s email dated [redacted], [redacted] confirmed that a lender attestation verifying the $[redacted] refund check was mailed via USPS, including the mailing date, would be acceptable documentation to cure this exception. The requested attestation has been provided and uploaded. However, the exception remains open. Please review the attestation again in accordance with the previously provided guidance and clear the exception, or advise what specific information remains outstanding. Reviewer Comment (2026-10-12): [redacted] received LOX for rebuttal response indicates that refund check mailed to borrower via USPA. Hence, [redacted] also required proof of mailing label (USPS Tracking number) or provided confirmation on email from borrower that they received copy of check in order to cure this exception. Buyer Comment (2026-10-09): Please see attached. Reviewer Comment (2026-10-02): As the cure refund was mailed without a means of tracking, we would require a written Lender Attestation confirming the cure refund Check #[redacted] dated [redacted] for $[redacted] made payable to borrower was mailed via USPS and was placed in the mail by the lender on xx/xx/xxxx date. Upon receipt of lender's attestation of the date they placed the document in the mail via USPS, we can then accept. Other methods to verify this cure refund check provided to borrower would be a copy of the cancelled check or a written confirmation from the borrower confirming he received a check from lender in amount of $[redacted] and the date received. Reviewer Comment (2026-10-02): [redacted] received post CD,LOX and Copy of refund check. However, we would also require proof of mailing in order to cure the exception. Buyer Comment (2026-10-01): Please see attached documentation confirming the $[redacted] Appraisal Review Fee tolerance cure was completed. The attached documentation includes the PCCD, LOE, and copy of the refund check. Closing has also confirmed the refund was mailed to the borrower via USPS; therefore, tracking information is not available. Documentation supports that the required refund/cure was completed. Please review and clear the condition. Reviewer Comment (2026-09-02): [redacted] received PCCD and LOE. Missing copy of refund check and proof of mailing. Please provide copy of refund check & proof of mailing to cure exception. Buyer Comment (2026-08-31): My aplogies. This was already credited by the closer on [redacted]. Please see attached and clear condition. Reviewer Comment (2026-08-10): [redacted] received Rebuttal comment stating appraisal review fee added due to CU score [redacted]; however, file is missing supporting document like CDA etc. Provide copy of CDA. Buyer Comment (2026-08-07): Based upon the CU score of [redacted] the appraisal review was required. Because of this, please clear condition. |
10/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225973783 | [Redacted] | [Redacted] | 37055230 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-08-11): E-Sign Consent Agreement received. Buyer Comment (2026-08-07): Please see attached |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225973783 | [Redacted] | [Redacted] | 37063068 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification is missing for the [redacted] property. | Reviewer Comment (2026-09-02): Mortgage statement received for the property, taxes and insurance are escrowed.Exception cleared. Buyer Comment (2026-08-31): This property is not free and clear. Please see all attached documents. Reviewer Comment (2026-08-11): Property is free and clear, require tax and insurance document to verify the individual payment. Tax document shows monthly payment of $[redacted] Require Insurance verification document. Buyer Comment (2026-08-07): The requested insurance verification for the [redacted] property is not necessary. The mortgage statements provided confirm that both property taxes and insurance are included in the borrower's escrow account. The tax certification confirms the property tax amount of $[redacted] per month, while the mortgage statement reflects a total monthly escrow collection of $[redacted] This supports that the borrower is making escrow payments that include both taxes and insurance. Based on the documentation provided, the insurance expense is accounted for through the existing escrow account. Therefore, no additional insurance verification is needed. Please review the documentation provided and clear this condition. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225986238 | [Redacted] | [Redacted] | 37071129 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-24): Sufficient Cure Provided At Closing |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225986238 | [Redacted] | [Redacted] | 37071134 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing CPA letter for borrower business income. | Reviewer Comment (2026-08-25): Business narrative is acceptable in lieu of a CPA letter. Exception Cleared. Buyer Comment (2026-08-21): CPA waterfall |
08/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225986238 | [Redacted] | [Redacted] | 37071135 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current employment status using reasonably reliable third-party records. | Waterfall due to missing CPA letter for borrower business income. | Reviewer Comment (2026-08-19): Narrative completed by tax preparer present in file. Exception cleared. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225986238 | [Redacted] | [Redacted] | 37071136 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank [redacted]): Unable to verify assets using reasonably reliable third-party records. | Waterfall due to missing CPA letter for borrower business income. | Reviewer Comment (2026-08-25): Business narrative is acceptable in lieu of a CPA letter. Exception Cleared. Buyer Comment (2026-08-21): cpa waterfall |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225986238 | [Redacted] | [Redacted] | 37071138 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Finance charge disclosed is $[redacted] Calculated finance charge is $[redacted] Variance of $[redacted] | Reviewer Comment (2026-08-24): [redacted] received PCCD, LOE and proof of mailing. Buyer Comment (2026-08-21): PCCD moving hoa fees to section H since they are third party hoa fees paid to the hoa and neighborhood. Reviewer Comment (2026-08-18): HOA Transfer Fee & HOA Working Capital have been disclosed in Section B of the CD. This section is typically lender required fees. If this was not lender required fee confirm if the fee should have been disclosed in Section H "Other". If correct, then fee would not be required by lender and not a finance charge. Corrected CD & LOE to borrower LOE moving fee to proper section would address. Buyer Comment (2026-08-17): That HOA fee is a transfer fee not a questionnaire fee. Please remove from finance charges |
08/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225986238 | [Redacted] | [Redacted] | 37071149 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing CPA letter for borrower business income. | Reviewer Comment (2026-08-19): Narrative completed by tax preparer present in file. Exception cleared. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225986238 | [Redacted] | [Redacted] | 37071150 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing CPA letter for borrower business income. | Reviewer Comment (2026-08-19): Narrative completed by tax preparer present in file. Exception cleared. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225986238 | [Redacted] | [Redacted] | 37071152 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing CPA letter for borrower business income. | Reviewer Comment (2026-08-19): Narrative completed by tax preparer present in file. Exception cleared. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225986238 | [Redacted] | [Redacted] | 37071153 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing CPA letter or third party verification for borrower business income. | Reviewer Comment (2026-08-19): Narrative completed by tax preparer present in file. Exception cleared. Buyer Comment (2026-08-17): [redacted] is the CPA letter |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225994434 | [Redacted] | [Redacted] | 37072968 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Data discrepancy with DTI. Lender DTI [redacted]%, Review DTI [redacted]%. The discrepancy is due to the inclusion of the REO property's housing expense in the DTI calculation, as no evidence was provided that the property is listed for sale. | Reviewer Comment (2026-10-08): Loan Underwriting and Transmittal Summary ([redacted]) / [redacted] Reviewer Comment (2026-10-06): Documentation to exclude the [redacted] monthly liabiltiy of $[redacted] is not located in the file. Buyer Comment (2026-10-02): Hi [redacted], I reviewed your calculation against the actual liabilities and REO information reflected in Encompass and can now identify where the figures are not reconciling. We agree on total qualifying income of $[redacted] Your calculation is using total monthly obligations of $[redacted] consisting of $[redacted] + $[redacted] + $[redacted] + $[redacted] + $[redacted] which produces the [redacted]% DTI. However, those obligations do not reconcile to the liabilities reflected in Encompass. Encompass reflects [redacted] at $[redacted] at $[redacted] HELOC at $[redacted] at $[redacted] and [redacted] at $[redacted] obligations of $[redacted] and $[redacted] are marked excluded. Specifically, I do not see support in Encompass for the $[redacted] obligation included in the [redacted] calculation. The existing mortgage payments reflected in Encompass are $[redacted] and $[redacted] Additionally, the $[redacted] and $[redacted] figures being used in the [redacted] calculation need to be reconciled against the REO and liability information in Encompass to ensure housing expenses are not being duplicated or otherwise calculated differently from the loan file. Please reconcile each of the expenses used in the $[redacted] total against the Encompass liabilities and REO qualifying payments and update the DTI accordingly. I think that will put us on the same page with the DTI. Let me know your thoughts! Thanks!! Reviewer Comment (2026-10-02): UPDATE: It appears the CB PITIA payment on their primary was not included in the DTI. Reviewer Comment (2026-09-28): Reviewed the [redacted]'s provided in the file, however the departure residence does not appear to be included in the total debt. The required documentation to exclude the payments was not located in the file. The only trailing docs provided are the CD's for the subject property. Buyer Comment (2026-09-28): The co-borrower's housing expense is already included in the DTI calculation, as reflected on the uploaded [redacted]. Including the housing expense again would result in the obligation being counted twice. Please review the uploaded [redacted] confirming the housing expense has already been accounted for and clear the condition. Reviewer Comment (2026-09-02): The most recent [redacted] is incorrect. Does not reflect the primary borrowers income in the total the the CBs primary residence expenses only indicate the [redacted] mortgage and not the [redacted]. The total income calculated by DD is $$[redacted] Total debt is $[redacted] causing the DTI [redacted]%. Buyer Comment (2026-09-01): Please review the [redacted]. You will see the box labeled [redacted] - This is the amount that covers the co-borrowers liablities, including the mortgage. The DTI remains the same. Please clear condition. Reviewer Comment (2026-08-25): The final [redacted] for the coborrower reflects REO property expenses for [redacted]. Buyer Comment (2026-08-21): Please re-review the loan in its entirety. This is a refinance. The client owes [redacted] property, which is the property we refinanced. Based on this, the DTI of [redacted] is correct. Please clear condition. |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225994434 | [Redacted] | [Redacted] | 37072969 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Verified and calculated all income and credit as per provided documents. DTI is exceeding the guideline limit of [redacted]%, as the REO property's housing expense was considered in the DTI calculation, as no evidence was provided that the property is listed for sale. | Reviewer Comment (2026-10-08): Received [redacted] months business bank statement to exclude "[redacted]" from liability. Exception cleared. Reviewer Comment (2026-10-06): Documentation to exclude the [redacted] monthly liabiltiy of $[redacted] is not located in the file. Buyer Comment (2026-10-05): Waterfall Reviewer Comment (2026-09-28): Reviewed the [redacted]'s provided in the file, however the departure residence does not appear to be included in the total debt. The required documentation to exclude the payments was not located in the file. The only trailing docs provided are the CD's for the subject property. Buyer Comment (2026-09-28): Waterfall Reviewer Comment (2026-09-02): The most recent [redacted] is incorrect. Does not reflect the primary borrowers income in the total the the CBs primary residence expenses only indicate the [redacted] mortgage and not the [redacted]. The total income calculated by DD is $$[redacted] Total debt is $[redacted] causing the DTI [redacted]%. Buyer Comment (2026-09-01): Waterfall Reviewer Comment (2026-08-25): The final [redacted] for the coborrower reflects REO property expenses for [redacted]. Buyer Comment (2026-08-21): Waterfall |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225994434 | [Redacted] | [Redacted] | 37072976 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Verified and calculated all income and credit as per documents. DTI is exceeding the guideline limit of [redacted]%. As the REO property's housing expense was considered in the DTI calculation, as no evidence was provided that the property is listed for sale. | Reviewer Comment (2026-10-08): Loan Underwriting and Transmittal Summary ([redacted]) / [redacted] Reviewer Comment (2026-10-06): Documentation to exclude the [redacted] monthly liabiltiy of $[redacted] is not located in the file. Buyer Comment (2026-10-05): Waterfall Reviewer Comment (2026-09-28): Reviewed the [redacted]'s provided in the file, however the departure residence does not appear to be included in the total debt. The required documentation to exclude the payments was not located in the file. The only trailing docs provided are the CD's for the subject property. Buyer Comment (2026-09-28): Waterfall Reviewer Comment (2026-09-02): The most recent [redacted] is incorrect. Does not reflect the primary borrowers income in the total the the CBs primary residence expenses only indicate the [redacted] mortgage and not the [redacted]. The total income calculated by DD is $$[redacted] Total debt is $[redacted] causing the DTI [redacted]%. Buyer Comment (2026-09-01): Waterfall Reviewer Comment (2026-08-25): The final [redacted] for the coborrower reflects REO property expenses for [redacted]. Buyer Comment (2026-08-21): Waterfall |
10/08/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225994434 | [Redacted] | [Redacted] | 37072977 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Verified and calculated all income and credit as per documents. DTI is exceeding the guideline limit of [redacted]%. As the REO property's housing expense was considered in the DTI calculation, as no evidence was provided that the property is listed for sale. | Reviewer Comment (2026-10-08): Loan Underwriting and Transmittal Summary ([redacted]) / [redacted] Buyer Comment (2026-10-06): See attached. Reviewer Comment (2026-10-06): Documentation to exclude the [redacted] monthly liabiltiy of $[redacted] is not located in the file. Buyer Comment (2026-10-05): Waterfall Reviewer Comment (2026-09-28): Reviewed the [redacted]'s provided in the file, however the departure residence does not appear to be included in the total debt. The required documentation to exclude the payments was not located in the file. The only trailing docs provided are the CD's for the subject property. Buyer Comment (2026-09-28): Waterfall Reviewer Comment (2026-09-02): The most recent [redacted] is incorrect. Does not reflect the primary borrowers income in the total the the CBs primary residence expenses only indicate the [redacted] mortgage and not the [redacted]. The total income calculated by DD is $$[redacted] Total debt is $[redacted] causing the DTI [redacted]%. Buyer Comment (2026-09-01): Waterfall Reviewer Comment (2026-08-25): The final [redacted] for the coborrower reflects REO property expenses for [redacted]. Buyer Comment (2026-08-21): Waterfall |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225994434 | [Redacted] | [Redacted] | 37072980 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Verified and calculated all income and credit as per documents. DTI is exceeding the guideline limit of [redacted]%. As the REO property's housing expense was considered in the DTI calculation, as no evidence was provided that the property is listed for sale. | Reviewer Comment (2026-10-08): Received [redacted] months business bank statement to exclude "[redacted]" from liability. Exception cleared. Reviewer Comment (2026-10-06): Documentation to exclude the [redacted] monthly liabiltiy of $[redacted] is not located in the file. Buyer Comment (2026-10-05): Waterfall Reviewer Comment (2026-09-28): Reviewed the [redacted]'s provided in the file, however the departure residence does not appear to be included in the total debt. The required documentation to exclude the payments was not located in the file. The only trailing docs provided are the CD's for the subject property. Buyer Comment (2026-09-28): Waterfall Reviewer Comment (2026-09-02): The most recent [redacted] is incorrect. Does not reflect the primary borrowers income in the total the the CBs primary residence expenses only indicate the [redacted] mortgage and not the [redacted]. The total income calculated by DD is $$[redacted] Total debt is $[redacted] causing the DTI [redacted]%. Buyer Comment (2026-09-01): Waterfall Reviewer Comment (2026-08-25): The final [redacted] for the coborrower reflects REO property expenses for [redacted]. Buyer Comment (2026-08-21): Waterfall |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225994434 | [Redacted] | [Redacted] | 37072983 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted] due to the addition of Recording fee, Title - Wire, Title - Sub Escrow Fee. No valid COC was provided; cure was provided at closing. | Reviewer Comment (2026-10-29): [redacted] received Post CD and LOX [redacted]g with Final SS. Buyer Comment (2026-10-29): Per the most recent [redacted] request dated [redacted], the final settlement statement has been uploaded for review to verify the fees charged at closing. The corrected PCCD and supporting LOX were previously uploaded on [redacted], with all applicable title fees moved to Section C in accordance with [redacted] Compliance guidance. Please review the uploaded final settlement statement [redacted]g with the previously provided documentation and clear the outstanding condition. Reviewer Comment (2026-10-29): [redacted] received PCCD and LOE, however we also require true & certified copy of final settlement statement to verify fees charged at closing. Buyer Comment (2026-10-28): Per the guidance provided by [redacted] Compliance on [redacted], all title fees have been moved to Section C (Services Borrower Did Shop For) on the corrected Closing Disclosure. The updated PCCD and supporting LOX have been uploaded for review. These corrections were completed in accordance with [redacted]'s direction to move the title charges to Section C and retest the loan. Please review the uploaded documentation, complete the updated tolerance calculation, and clear the condition if the loan passes retesting. If any additional cure is required, please provide the revised calculation and amount. Reviewer Comment (2026-10-26): [redacted]: The Title Wire Fee and Title Sub Escrow Fee are disclosed in Section B of the Final CD under the Borrower Did Not Shop For category. [redacted] is unable to exclude these fees from the tolerance calculation without additional supporting documentation. Therefore, a refund cure of $[redacted] (ILE $[redacted] + [redacted]% ($[redacted]) = $[redacted] - $[redacted] FCD), [redacted]g with supporting cure documentation, is required to resolve this exception. Buyer Comment (2026-10-22): please provide the corrected required cure amount with the loan rebaselined to exclude the Title Wire Fee and Title Sub Escrow fee from [redacted]% tolerance. this will also reset the cure period, as the cure amount will change as those fees are not part of the [redacted]% tolerance threshold and will not need to be included. Thank you! Reviewer Comment (2026-10-07): [redacted] acknowledged that the below comment. However, Title fees (Courier fee, Endorsement fee, Lender's title insurance, Recording service fee, Sub Escrow and Wire fee) were disclosed in Section B which are tested at [redacted]% tolerance. Additionally, provider listed on SSPL is [redacted]. Fees on CD were paid to same as [redacted]. Appears borrower did not shopped for title fees. If the services were completed their own and the borrower selected different title company's and was not selected from SSPL list, then provide lender attestation with supporting evidence that the providers are different company's with corrected CD moving the title fees to Section C and LOE to borrower required to cure. Buyer Comment (2026-10-05): Please reconsider this condition. The Title Wire Fee and Title Sub Escrow Fee were not completed by a provider listed on the SSPL. Additionally, these fees were not disclosed on the baseline LE and therefore should not be included in the [redacted]% tolerance calculation. Please recalculate the tolerance excluding the Title Wire Fee and Title Sub Escrow Fee and review the condition for clearance. Reviewer Comment (2026-09-02): [redacted] received copy of CD dated [redacted] but not received the COC dated [redacted] in trailing docs. Please provide COCs to re-evaluate the exception. Buyer Comment (2026-09-01): Please see COCs from [redacted] to clear condition. Reviewer Comment (2026-08-25): [redacted] received rebuttal comment that COC dated [redacted] in file but as per file there seems to be no COC dated [redacted]. As per file there is only COC provided in [redacted] is [redacted] but there is not reason provided for increase in title fees. Please provide a valid COC to address [redacted] Buyer Comment (2026-08-21): There was a coc completed [redacted] which this was disclosed. Based on this, please clear condition. |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225994434 | [Redacted] | [Redacted] | 37770526 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary ([redacted]) / [redacted] not provided | [redacted] with correct DTI is required. | Reviewer Comment (2026-10-14): [redacted] provided and updated Buyer Comment (2026-10-09): Please see attached. |
10/14/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225999043 | [Redacted] | [Redacted] | 37078223 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan ([redacted]): Mandatory escrow account not established on 1st lien mortgage loan. | Mandatory escrow account not established on 1st lien mortgage loan. | Reviewer Comment (2026-10-29): Lender re-disclosed appropriate APR which is below HPML threshold. Exception cleared. Buyer Comment (2026-10-27): Please see attached. Reviewer Comment (2026-10-12): Based on the Loan Notes on[redacted], I see we have the following: [redacted] - initial lock @ [redacted]% [redacted] - lock extension @[redacted]% [redacted] - lock extension @[redacted]% [redacted] - lock extension @ [redacted]% The loan then closed on [redacted] @ [redacted]%. For data input, I would use the following: Initial Rate Lock on [redacted] @ [redacted]% Most Recent Rate Lock on [redacted] @ [redacted]% I'm unsure if it will resolve the exceptions or not as it will depend on the APOR being used for a [redacted] Rate Set Date. Regardless, we do not agree that the original rate lock on [redacted] would be used to establish the Rate Set Date as the rate changed from the initial rate lock numerous times until it was set for the final time on [redacted]. Additional background information should it be needed If it is the client's position that we should be using the date from the initial rate sheet to establish the Rate Set Date, we have previously reviewed this type of rebuttal and interpretation with [redacted]'s outside counsel who has continued to maintain that the appropriate rate-set date is the date on which the interest rate applicable to the subject loan was set for the final time, rather than the date a rate sheet used was published. Regulatory Commentary to Regulation C ([redacted] CFR §[redacted](a)([redacted])-[redacted]) reflects that the rate-set date is generally tied to when the interest rate for the specific transaction is locked. The reference to "the date the financial institution exercises discretion in setting the rate for the final time before final action is taken" contemplates an action taken in connection with setting or resetting the rate on an individual loan, rather than the issuance or use of a rate from the original commitment. Note that the preamble to Reg C addresses changes to rate as a result of rate adjusters / LLPAs indicating that if a loan's rate may change for any reason, then it has not yet been set for the final time before closing. The excerpt below appears to indicate that if a loan's rate may change after an initial lock, the rate has not yet been set for the final time. Where the interest rate applicable to the loan changes after the initial lock and the updated rate is reflected in the Note at consummation, the relevant rate-set date is the most recent date on which that rate was set. Federal Register / Vol. [redacted], No. [redacted] / [redacted], [redacted], [redacted] / Rules and Regulations https://www.federalreserve.gov/reportforms/formsreview/RegC_20081024_ffr.pdf When the Rate Is Set Industry commenters suggested that the time the rate is set should be flexible enough to accommodate differing methods of locking in rates used by mortgage lenders. Specifically, they stated that some lenders employ a ''base rate plus rate adjusters'' system, whereby a lender may lock in the ''base rate'' as well as various ''rate adjusters'' that may or may not apply, depending on loan factors to be determined subsequently (such as an appraisal that results in a different loan-to-value ratio than previously expected). Thus, although the ''base rate'' has been locked in on a certain date, and all potentially applicable ''rate adjusters'' also may be locked in, the rate still may change afterwards if the applicability of any ''rate adjuster'' changes. The Board's intent was not to alter the current meaning of when the rate is set for the final time before closing. If a loan's rate may change, for any reason, then it has not yet been set for the final time before closing. Accordingly, the Board's final rule leaves the relevant discussion of when the rate is set, in appendix A, unchanged in this regard. The limited exception described in §[redacted](a)([redacted])-[redacted].ii addressing changes in loan program reinforces this interpretation. That provision allows use of the original lock date only in narrowly defined circumstances and based on specific conditions. Outside of those circumstances, subsequent changes that affect the interest rate generally result in a new rate-set date. Accordingly, in [redacted]'s review, use of the original lock date as the rate set date is generally limited to cases where [redacted]) the loan program changes, 2) the "financial institution changes the promised rate to the rate that would have been available to the borrower under the new program on the date of the original rate-lock commitment" and [redacted]) the "the financial institution consistently follows that practice in all such cases or the original rate-lock agreement so provided". Ultimately, outside counsel believes the policy behind a HPML determination is to determine whether that particular loan exceeded a threshold that is determined using a rate that was current when that loan was locked, rather than when a lender published the rate sheet. The HPML determination is intended to evaluate a loan's pricing against market rates that were current at the time the loan's interest rate was actually set. Using a prior rate sheet publication date, particularly where the interest rate later changed, would not reflect the loan-specific pricing outcome at consummation. For these reasons, because the subject loan experienced a change to the interest rate after the initial lock, [redacted] continues to support use of the most recent date on which the interest rate applicable to the loan was set and matches the Note rate. Reviewer Comment (2026-10-07): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-10-05): Hi! Please review the HPML condition again. The loan was not re-locked on [redacted]. The existing rate lock was extended; therefore, [redacted] should not be treated as a new rate set date. The last rate set date remains [redacted], based on the original lock. Please recalculate/review the HPML determination using the [redacted] rate set date rather than [redacted]. Please review and advise if anything further is needed to clear the condition. Reviewer Comment (2026-09-28): Lock was initially locked on [redacted] @ [redacted]% but then later re-locked on [redacted] @ [redacted]%. Therefore, the Last Date Rate Set becomes [redacted] which sets APOR at [redacted]%. APOR of [redacted]% plus [redacted]% margin gets you to the HPML rate threshold of [redacted]%. APR on final CD is [redacted]%, which exceeds the HPML rate threshold, causing the loan to be HPML. The Mavent Compliance Report is using the initial rate lock date of [redacted] as the Rate Set Date causing the [redacted] to be slightly higher and therefore not failing. The Mavent Report is not considering the loan as re-locked on [redacted] which would cause the Rate Set Date to move accordingly and 3establish a new APOR to test against. Importantly, the calculated APR that [redacted] is coming up with is [redacted]% which below the HPML threshold. The loan is triggering HPML not as a result of our calculated APR but rather because the lender disclosed APR of [redacted]% exceeds the HPML threshold of [redacted]%. If lender agrees that the APR is, in fact, [redacted]%, they can provide a corrected PCCD to borrower with an LOE disclosing the corrected APR (and proof of mailing) which can then be used to remove loan from HPML as the disclosed APR will then be lower than the HPML rate threshold. Buyer Comment (2026-09-24): Please see original lock from [redacted] where you can see the original expiration date. This coincides with the final lock showing [redacted] days total on the lock, with the original lock requested date. The rate set date for purposes of determining APOR / HPML threshold would still be that original [redacted] date. Please review our final Mavent. This is not an HPML loan, and the conditions stating it as such should be cancelled. Thank you! Reviewer Comment (2026-08-21): This is an HPML loan and escrow account is mandatory. Exception remains. The most recent lock date is [redacted], APOR index as of [redacted] is [redacted]%. The loan APR of [redacted]% exceeds the APOR [redacted]% margin of [redacted]%. Buyer Comment (2026-08-19): Per Section [redacted]: Tax/Insurance Escrows & Escrow Waiver - Taxes and Insurance escrow can be waived on loans with LTV of [redacted]% or below. Please clear condition. |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required. If no escrow account was established at or before consummation, no cure available. |
C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225999043 | [Redacted] | [Redacted] | 37078225 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | UPDATE: In addition, the [redacted] - Subsection [redacted](f)([redacted]) Affidavit is missing from the file. | Reviewer Comment (2026-10-29): Lender re-disclosed appropriate APR which is below HPML threshold. Exception cleared. Buyer Comment (2026-10-27): Waterfall Reviewer Comment (2026-10-12): Based on the Loan Notes on[redacted], I see we have the following: [redacted] - initial lock @ [redacted]% [redacted] - lock extension @[redacted]% [redacted] - lock extension @[redacted]% [redacted] - lock extension @ [redacted]% The loan then closed on [redacted] @ [redacted]%. For data input, I would use the following: Initial Rate Lock on [redacted] @ [redacted]% Most Recent Rate Lock on [redacted] @ [redacted]% I'm unsure if it will resolve the exceptions or not as it will depend on the APOR being used for a [redacted] Rate Set Date. Regardless, we do not agree that the original rate lock on [redacted] would be used to establish the Rate Set Date as the rate changed from the initial rate lock numerous times until it was set for the final time on [redacted]. Additional background information should it be needed If it is the client's position that we should be using the date from the initial rate sheet to establish the Rate Set Date, we have previously reviewed this type of rebuttal and interpretation with [redacted] outside counsel who has continued to maintain that the appropriate rate-set date is the date on which the interest rate applicable to the subject loan was set for the final time, rather than the date a rate sheet used was published. Regulatory Commentary to Regulation C ([redacted] CFR §[redacted](a)([redacted])-[redacted]) reflects that the rate-set date is generally tied to when the interest rate for the specific transaction is locked. The reference to "the date the financial institution exercises discretion in setting the rate for the final time before final action is taken" contemplates an action taken in connection with setting or resetting the rate on an individual loan, rather than the issuance or use of a rate from the original commitment. Note that the preamble to Reg C addresses changes to rate as a result of rate adjusters / LLPAs indicating that if a loan's rate may change for any reason, then it has not yet been set for the final time before closing. The excerpt below appears to indicate that if a loan's rate may change after an initial lock, the rate has not yet been set for the final time. Where the interest rate applicable to the loan changes after the initial lock and the updated rate is reflected in the Note at consummation, the relevant rate-set date is the most recent date on which that rate was set. Federal Register / Vol. [redacted], No. [redacted] / [redacted], [redacted], [redacted] / Rules and Regulations https://www.federalreserve.gov/reportforms/formsreview/RegC_20081024_ffr.pdf When the Rate Is Set Industry commenters suggested that the time the rate is set should be flexible enough to accommodate differing methods of locking in rates used by mortgage lenders. Specifically, they stated that some lenders employ a ''base rate plus rate adjusters'' system, whereby a lender may lock in the ''base rate'' as well as various ''rate adjusters'' that may or may not apply, depending on loan factors to be determined subsequently (such as an appraisal that results in a different loan-to-value ratio than previously expected). Thus, although the ''base rate'' has been locked in on a certain date, and all potentially applicable ''rate adjusters'' also may be locked in, the rate still may change afterwards if the applicability of any ''rate adjuster'' changes. The Board's intent was not to alter the current meaning of when the rate is set for the final time before closing. If a loan's rate may change, for any reason, then it has not yet been set for the final time before closing. Accordingly, the Board's final rule leaves the relevant discussion of when the rate is set, in appendix A, unchanged in this regard. The limited exception described in §[redacted](a)([redacted])-[redacted].ii addressing changes in loan program reinforces this interpretation. That provision allows use of the original lock date only in narrowly defined circumstances and based on specific conditions. Outside of those circumstances, subsequent changes that affect the interest rate generally result in a new rate-set date. Accordingly, in [redacted]'s review, use of the original lock date as the rate set date is generally limited to cases where [redacted]) the loan program changes, 2) the "financial institution changes the promised rate to the rate that would have been available to the borrower under the new program on the date of the original rate-lock commitment" and [redacted]) the "the financial institution consistently follows that practice in all such cases or the original rate-lock agreement so provided". Ultimately, outside counsel believes the policy behind a HPML determination is to determine whether that particular loan exceeded a threshold that is determined using a rate that was current when that loan was locked, rather than when a lender published the rate sheet. The HPML determination is intended to evaluate a loan's pricing against market rates that were current at the time the loan's interest rate was actually set. Using a prior rate sheet publication date, particularly where the interest rate later changed, would not reflect the loan-specific pricing outcome at consummation. For these reasons, because the subject loan experienced a change to the interest rate after the initial lock, [redacted] continues to support use of the most recent date on which the interest rate applicable to the loan was set and matches the Note rate. Reviewer Comment (2026-10-12): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. Reviewer Comment (2026-10-07): the issue has been escalated and we will reach out once we receive a response Reviewer Comment (2026-10-07): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. Buyer Comment (2026-10-05): Hi! Please review the HPML condition again. The loan was not re-locked on [redacted]. The existing rate lock was extended; therefore, [redacted] should not be treated as a new rate set date. The last rate set date remains [redacted], based on the original lock. Please recalculate/review the HPML determination using the [redacted] rate set date rather than [redacted]. Please review and advise if anything further is needed to clear the condition. Reviewer Comment (2026-09-28): Lock was initially locked on [redacted] @ [redacted]% but then later re-locked on [redacted] @ [redacted]%. Therefore, the Last Date Rate Set becomes [redacted] which sets APOR at [redacted]%. APOR of [redacted]% plus [redacted]% margin gets you to the HPML rate threshold of [redacted]%. APR on final CD is [redacted]%, which exceeds the HPML rate threshold, causing the loan to be HPML. The Mavent Compliance Report is using the initial rate lock date of [redacted] as the Rate Set Date causing the [redacted] to be slightly higher and therefore not failing. The Mavent Report is not considering the loan as re-locked on [redacted] which would cause the Rate Set Date to move accordingly and 3establish a new APOR to test against. Importantly, the calculated APR that [redacted] is coming up with is [redacted]% which below the HPML threshold. The loan is triggering HPML not as a result of our calculated APR but rather because the lender disclosed APR of [redacted]% exceeds the HPML threshold of [redacted]%. If lender agrees that the APR is, in fact, [redacted]%, they can provide a corrected PCCD to borrower with an LOE disclosing the corrected APR (and proof of mailing) which can then be used to remove loan from HPML as the disclosed APR will then be lower than the HPML rate threshold. Buyer Comment (2026-09-24): Waterfall Reviewer Comment (2026-08-21): This is an HPML loan and escrow account is mandatory. Exception remains. The most recent lock date is [redacted], APOR index as of [redacted] is [redacted]%. The loan APR of [redacted]% exceeds the APOR [redacted]% margin of [redacted]%. Buyer Comment (2026-08-19): Waterfall |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225999043 | [Redacted] | [Redacted] | 37078227 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid change of circumstance nor cure was provided for the increase in recording fees. | Reviewer Comment (2026-09-15): [redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-09-14): Please see attached Reviewer Comment (2026-08-21): [redacted] received COC dated [redacted] stating " updated recording fee" which is not a valid reason. Kindly provide detail reason as to why the recording fee increased on CD dated [redacted] for $[redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-08-20): Please see attached. Reviewer Comment (2026-08-20): [redacted] received rebuttal comment. However, provided [redacted] COC does not sufficiently explain the reason for the fee increase. Please provide supporting documentation or a detailed explanation to substantiate the increase in the recording fee. Buyer Comment (2026-08-19): Please review the fee history and the [redacted] update to the recording fees. On [redacted], the recording fees were updated to $[redacted] based on a valid change. Because this was a valid change to the recording fees, the applicable baseline should be re-evaluated to reflect the updated amount of $[redacted] Once the baseline is properly re-evaluated, the reported tolerance violation will no longer apply and no borrower cure will be required. Please review the documentation supporting the [redacted] fee update, re-evaluate the baseline accordingly, and clear this condition. |
09/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226001399 | [Redacted] | [Redacted] | 37085299 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Verification of Employment is missing; we have only an employer letter, but it is not within [redacted] days. | Reviewer Comment (2026-10-05): Post note dated employer letter received, acceptable per guidelines, exception cleared Buyer Comment (2026-10-01): Please redesignate the loan as QM safe harbor. Reviewer Comment (2026-09-22): Please provide a Verification of Employment or third-party employment verification. As received Employer Letter dated [redacted] is not within [redacted] business days of the Note date. Exception remains Buyer Comment (2026-09-21): Please see attached dated [redacted]. Please clear condition. |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226001399 | [Redacted] | [Redacted] | 37085300 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification of Employment is missing; we have only an employer letter, but it is not within [redacted] days. | Reviewer Comment (2026-10-05): Post note dated employer letter received, acceptable per guidelines, exception cleared Reviewer Comment (2026-09-22): Please provide a Verification of Employment or third-party employment verification. As received Employer Letter dated [redacted] is not within [redacted] business days of the Note date. Exception remains Buyer Comment (2026-09-21): Waterfall |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226001399 | [Redacted] | [Redacted] | 37092417 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verification of employment is not in file. | Reviewer Comment (2026-10-05): Post note dated employer letter received, acceptable per guidelines, exception cleared Reviewer Comment (2026-09-22): Please provide a Verification of Employment or third-party employment verification. As received Employer Letter dated [redacted] is not within [redacted] business days of the Note date. Exception remains Buyer Comment (2026-09-21): Waterfall |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226005580 | [Redacted] | [Redacted] | 37108845 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted](e) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI is exceeding as there is no Settlement Statement or listing agreement present in file for property departing property. | Reviewer Comment (2026-08-25): Purchase Contract for the departing residence has been received. Exception cleared. Buyer Comment (2026-08-21): Please see the attached purchase contract for the sale of the home. Please recalcuate DTI and clear condition. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226005580 | [Redacted] | [Redacted] | 37108848 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Reviewer Comment (2026-08-25): Purchase Contract for the departing residence has been received. Exception cleared. Buyer Comment (2026-08-21): Waterfall |
08/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 226005580 | [Redacted] | [Redacted] | 37108854 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Provide Purchase Contract as it is missing from file. | Reviewer Comment (2026-08-25): Received Purchase Contract. Exception cleared. Buyer Comment (2026-08-21): Please see attached |
08/25/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | IL | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226005580 | [Redacted] | [Redacted] | 37108899 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Lender DTI is [redacted]% and Review DTI is [redacted]%. The reason for the discrepancy is due to a missing Settlement Statement or listing agreement for property the departing property. | Reviewer Comment (2026-08-25): Purchase Contract for the departing residence has been received. Exception cleared. Buyer Comment (2026-08-21): Waterfall |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226005580 | [Redacted] | [Redacted] | 37108962 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI is exceeding as there is no Settlement Statement or listing agreement for property the departing property. | Reviewer Comment (2026-08-25): Purchase Contract for the departing residence has been received. Exception cleared. Buyer Comment (2026-08-21): Please see the departing residence contract. Please update DTI. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226005580 | [Redacted] | [Redacted] | 37108997 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Provide VVOE for borrower within [redacted] business days of the Note as it is missing. | Reviewer Comment (2026-09-08): VVOE of employment received, confirming borrower is active. Buyer Comment (2026-09-04): The start date is not required on a closing VVOE, just that the borrower is still employed. The document that has been provided states that. Please clear condition. Reviewer Comment (2026-08-25): Required Verbal Verification of Employment must be completed within [redacted] business days of the Note date and must verify the borrower's start date and active employment status. Exception remains. Buyer Comment (2026-08-21): This was completed prior to closing. Please clear condition. |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226005580 | [Redacted] | [Redacted] | 37108998 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Reviewer Comment (2026-09-08): VVOE of employment received, confirming borrower is active. Buyer Comment (2026-09-04): Waterfall Reviewer Comment (2026-08-25): Required Verbal Verification of Employment must be completed within [redacted] business days of the Note date and must verify the borrower's start date and active employment status. Exception remains. Buyer Comment (2026-08-21): Waterfall |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226005580 | [Redacted] | [Redacted] | 37109038 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-08-25): Purchase Contract for the departing residence has been received. Exception cleared. Buyer Comment (2026-08-21): Waterfall |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226030735 | [Redacted] | [Redacted] | 37113789 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Citizenship Source Documentation was not provided | - | Borrower is a Non-Permanent Resident Alien, and the source document was not provided. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-14): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-09-14): Lender exception approval provided for non-permanent resident alien-EAD card holders who do not have a visa. Buyer Comment (2026-09-10): exception approval |
09/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | XXXX | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 226030735 | [Redacted] | [Redacted] | 37113798 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | Borrower is a Non-Permanent Resident Alien, and the source document was not provided. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-14): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-09-14): Lender exception approval provided for non-permanent resident alien-EAD card holders who do not have a visa. Buyer Comment (2026-09-10): exception submitted |
09/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | XXXX | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 226030735 | [Redacted] | [Redacted] | 37113814 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax and Mortgage Statement is missing for [redacted] Property. | Reviewer Comment (2026-10-12): Cleared. Received required document. Buyer Comment (2026-10-08): Please see attached mortgage statement for [redacted] XXXX confirming tax and insurance are escrowed. [redacted]/[redacted] have been updated to reflect the payment on the statement. |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 226030735 | [Redacted] | [Redacted] | 37113815 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Borrower is a Non-Permanent Resident Alien, and the source document was not provided. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-14): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-09-14): Lender exception approval provided for non-permanent resident alien-EAD card holders who do not have a visa. Buyer Comment (2026-09-10): exception submitted |
09/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | XXXX | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226030735 | [Redacted] | [Redacted] | 37120906 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted] indicates there is an approved lender exception. The lender exception form, approval and compensating factors was not located in the file. | Reviewer Comment (2026-08-19): Lender Exception received and associated. Exception cleared. Buyer Comment (2026-08-18): exception |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 226036912 | [Redacted] | [Redacted] | 37143385 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance policy not provided in file. | Reviewer Comment (2026-08-26): Hazard insurance policy is provided in file. Exeption Cleared Buyer Comment (2026-08-25): Please see attached. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226036912 | [Redacted] | [Redacted] | 37143446 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Final CD was issued on day of closing on [redacted]. | Reviewer Comment (2026-09-21): [redacted] received disclosure summary Buyer Comment (2026-09-18): Please see attached. Reviewer Comment (2026-08-26): [redacted] CD is without receipt. Please provide documentation of receipt if available. The mailbox rule is applied therefore receipt date is [redacted]. Consummation date is [redacted]. [redacted] is day [redacted], [redacted] is day [redacted]. Please provide documentation if the CD was received [redacted] (day [redacted]) or earlier for review. Buyer Comment (2026-08-25): Please rereview the disclosures. The CD was sent on [redacted] which is more than [redacted] days prior to the close date of [redacted]. Please clear condition. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226061953 | [Redacted] | [Redacted] | 37152573 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not found in file. | Reviewer Comment (2026-10-08): Hazard Insurance Policy received and verified. Exception cleared. Buyer Comment (2026-10-06): Please see attached. Reviewer Comment (2026-08-10): Hazard Insurance Policy not provided for subject property [redacted] as received on is for Property [redacted] , Exception Remains. Buyer Comment (2026-08-06): Please see attached. |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226061953 | [Redacted] | [Redacted] | 37161155 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing a current mortgage statement for this property. | Reviewer Comment (2026-09-21): Mortgage statement received. Exception cleared. Buyer Comment (2026-09-17): Please see attached. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226065796 | [Redacted] | [Redacted] | 37175943 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement not provided. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC | Reviewer Comment (2026-08-17): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-08-17): Lender exception approval provided for use of the LLC Borrowing Certificate in lieu of the Operating Agreement. Buyer Comment (2026-08-13): Exception |
08/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 226065796 | [Redacted] | [Redacted] | 37175977 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Available assets are $[redacted] which does include the EMD. Funds to close $[redacted] which also includes the EMD. Available funds for escrow are $[redacted] however $[redacted] is required for reserves. | Reviewer Comment (2026-09-08): Received updated [redacted] Application. Exception Cleared. Buyer Comment (2026-09-03): [redacted] Reviewer Comment (2026-09-02): Received [redacted] additional statements for account number ending with #[redacted] and #[redacted] which sufficed reserves requirement. Require revised final [redacted] application with #[redacted] and #[redacted] accounts listed on it. Exception remains. Buyer Comment (2026-09-01): Additional Assets with LOE Buyer Comment (2026-09-01): Cancel Exception Buyer Comment (2026-08-31): Exception Buyer Comment (2026-08-31): Bank Statement Reviewer Comment (2026-08-17): No new document received. Cash to close is $[redacted] + POC of $[redacted] + EMD of $[redacted] = $[redacted] and reserve requirement is of [redacted] months PITIA ($[redacted] * [redacted]) = $[redacted] Available funds are $[redacted] from account number #[redacted] & $[redacted] of gift funds = $[redacted] Total required funds are $[redacted] which is greater than verified funds of $[redacted] Exception remains. Buyer Comment (2026-08-13): Please confirm Available Assets $[redacted]'. Available assets should be $[redacted] ($[redacted]K em + $[redacted] bal) |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226067321 | [Redacted] | [Redacted] | 37177283 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception was approved at origination for property in a rural area. File is missing the lender exception form, approval and compensating factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-21): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-19): Please see attached |
08/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | IL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 226067321 | [Redacted] | [Redacted] | 37177285 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception was approved at origination for landlord history. File is missing the lender exception form, approval and compensating factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-21): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-19): Please see attached. |
08/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | IL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 226067321 | [Redacted] | [Redacted] | 37187777 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Please provide copy of operating agreement for [redacted]. to verify percentage of ownership. Additional requirement may apply. | Reviewer Comment (2026-09-15): Received letter from the tax preparer confirming the borrower holds [redacted]% ownership of the corporation. Exception cleared. Buyer Comment (2026-09-14): Please see attached to clear condition |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226067321 | [Redacted] | [Redacted] | 37187780 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted] reflects mortgages with outstanding balances in the amount of $[redacted] Seller's HUD 1 does not reflect payoff of mortgage lien. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-10-21): Received required documentation. Condition cleared. Buyer Comment (2026-10-19): lien release Reviewer Comment (2026-09-03): Received documents do not reflect the release of $[redacted] lien. Exception remains. Buyer Comment (2026-09-01): Please see pages [redacted] and [redacted] which show the release. Please clear condition. Reviewer Comment (2026-08-21): Received Title Commitment Page of Schedule B. Please provide Final Title Policy with Liens removed from the property. Exception Remains. Buyer Comment (2026-08-20): Please see attached |
10/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226067546 | [Redacted] | [Redacted] | 37178931 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Reviewer Comment (2026-10-08): Received updated HOI policy. Cleared. Buyer Comment (2026-10-05): HOI |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226067546 | [Redacted] | [Redacted] | 37179057 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee $[redacted] was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. | Reviewer Comment (2026-08-19): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-08-18): PCCD, LOX, LABEL and Check |
08/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 226080183 | [Redacted] | [Redacted] | 37184967 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Disclosed Finance Charges are $[redacted] Due Diligence Finance Charges are $[redacted] There is a variance of $[redacted] | Reviewer Comment (2026-10-06): [redacted] received Corrected CD, LOE & proof of mailing. Updated Owner Title Policy fees to Section H & matches to FSS Buyer Comment (2026-10-05): Label and proof delivered Reviewer Comment (2026-09-28): Please provide proof of mailing as well to complete the cure. Buyer Comment (2026-09-25): PCCD with letter Reviewer Comment (2026-09-11): While the email indicates the fees are for Title - Insurance, and owners title insurance the fees are listed in section C and owners title insurance is typically listed in section H. In order to exclude "Title - Service Charges" from finance charge considerations on loans with a property state [redacted], we would look for one of the following from the title company to be included in the loan file for documentation of the basis for exclusion: [redacted]) an itemization of fees/services included in the "Title - Service Charges"; or [redacted]) written confirmation/attestation from Title company that the fee labeled "Title - Service Charges" is comprised only of [redacted] fees such as title examination, abstract of title, title insurance, property survey, and similar purposes, and does not include charges for ancillary title services such as title admin, title processing, etc. Buyer Comment (2026-09-10): Rebuttal |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226085047 | [Redacted] | [Redacted] | 37185892 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Reviewer Comment (2026-10-12): Document provided Doc# [redacted] Buyer Comment (2026-10-08): This was done on [redacted] VVOE Worksheet screen. Reviewer Comment (2026-09-21): Provided document verifies [redacted] is CPA but to verify borrower employment we require employment verification from employer [redacted]. Exception remains Buyer Comment (2026-09-18): See upload Reviewer Comment (2026-08-18): Email conversation shows borrower is still employed but response email is through personal email ID , unable to verify if [redacted] is from borrower's company [redacted]. Buyer Comment (2026-08-14): See[redacted] |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226085047 | [Redacted] | [Redacted] | 37197876 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing the VVOE dated [redacted] business days prior to note date. | Reviewer Comment (2026-10-16): Document provided Doc# [redacted] and D#[redacted] Reviewer Comment (2026-09-21): Provided document verifies [redacted] is CPA but to verify borrower employment we require employment verification from employer [redacted]. Exception remains Buyer Comment (2026-09-18): See upload Reviewer Comment (2026-08-18): Email conversation shows borrower is still employed but response email is through personal email ID, unable to verify if [redacted] is from borrower's company [redacted]. Buyer Comment (2026-08-14): See[redacted] |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226099418 | [Redacted] | [Redacted] | 37206577 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy missing in file. | Reviewer Comment (2026-08-25): Hazard Insurance Policy has been received and reviewed. Exception cleared. Buyer Comment (2026-08-21): HOI |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 226099418 | [Redacted] | [Redacted] | 37206582 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-08-25): Disclosure Tracking Summary with E-Sign Consent has been received and reviewed. Exception cleared. Buyer Comment (2026-08-21): Disclosure Tracking |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 226099418 | [Redacted] | [Redacted] | 37206596 | Compliance | Compliance | State Compliance | Misc. State Level | XXXX Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | [redacted] Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. | [redacted] - Broker Notice - [redacted] Disclosure missing in file. | Buyer Comment (2026-10-23): waived Reviewer Comment (2026-09-28): Example of Disclosure "[redacted] Lender and Broker Act (effective [redacted]) NOTICE YOU ARE HEREBY NOTIFIED THAT YOU ARE NOT REQUIRED TO ENTER INTO ANY ARRANGEMENT FOR REAL ESTATE BROKER OR REAL ESTATE SALESPERSON SERVICES WITH A REAL ESTATE BROKER OR REAL ESTATE SALESPERSON TO WHOM WE HAVE REFERRED YOU. YOU ARE HEREBY NOTIFIED THAT [NAME OF MORTGAGE BROKER] WILL BE RECEIVING COMPENSATION FOR PROVIDING BOTH MORTGAGE BROKER SERVICES AND REAL ESTATE BROKER OR REAL ESTATE SALESPERSON SERVICES IN CONNECTION WITH THE SALE OF THE REAL ESTATE THAT SECURES THIS MORTGAGE LOAN. YOU ARE HEREBY NOTIFIED THAT WE DO NOT REPRESENT ALL OF THE LENDERS IN THE MARKET AND THE LENDERS WE DO REPRESENT MAY NOT OFFER THE LOWEST INTEREST RATES OR BEST TERMS AVAILABLE TO YOU." Buyer Comment (2026-09-24): Looks like the pages are mixed together. See pages [redacted]-[redacted] Reviewer Comment (2026-09-15): Exception remains, Doc # [redacted] is in fact a lease agreement . states Lease [redacted] on top of page also has rent income and tenant information. Please provide VA - Broker Notice - [redacted] Disclosure Buyer Comment (2026-09-11): Please review again [redacted] . That's not a lease agreement. That's the right to represent. Please advise Reviewer Comment (2026-08-25): [redacted] was reviewed and is a Lease Agreement. This document does not satisfy the requirement for the [redacted] Lender and Broker Act ( Broker Notice - [redacted] Disclosure). Exception remains. Buyer Comment (2026-08-21): See [redacted] |
10/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | XXXX | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 226099659 | [Redacted] | [Redacted] | 37203858 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. | Reviewer Comment (2026-10-15): [redacted] received Corrected CD & LOE moving HOA fee to Section H. Confirmed HOA documentation in file fee no finance charge. Reviewer Comment (2026-10-15): [redacted] received rebuttal that fee moved to section H and should not be APR fee. That a fee is moved to a different section does not determine if a fee is a finance charge, but what the services & purpose of the fee is. As previously stated, a Condo Association Documents could be a requirement of the mortgage loan for mortgage approval purposes and thus a finance charge. Please provide a lender's attestation (and any supporting documents) that clarify what services and purpose of the Condo Association Documents fee is for. Were these documents required by the lender for the purpose of project approval for the loan, or for a separate purpose? Please provide the additional information in a lender's attestation for review. Buyer Comment (2026-10-15): Hoping you can clarify the TRID conditions on this one. There was a [redacted]% tolerance cure violation where it was accepted to have moved the association fee to Section H. The related condition about finance charges has not been cleared. If the fee was accepted to have been moved to section H, it shouldn't be considered as an APR fee. Reviewer Comment (2026-09-14): The document contained within the loan file reflects the same fee amount disclosed on the final Closing Disclosure, identifies a lender contact, and requests information that is typically obtained through an HOA questionnaire. Based on the information available, the document appears to exhibit the characteristics of an HOA questionnaire, as it contains standard questions commonly found on HOA questionnaires. Additionally, the associated fee is disclosed in Section C of the Closing Disclosure. In the absence of documentation demonstrating otherwise, [redacted] would classify the document as an HOA questionnaire and test the associated fee as an HOA questionnaire fee, which is considered a finance charge for testing purposes. If the lender's position is that the document is not an HOA questionnaire, please provide supporting documentation or an explanation identifying the nature and purpose of the document, as well as the basis for concluding that it should not be considered an HOA questionnaire. Without such documentation, [redacted] will maintain its determination that the document is an HOA questionnaire and will test the associated fee accordingly. Buyer Comment (2026-09-11): Please review the fee name on the final CD. This is not a questionnaire, but a typical third party condo association fee. Reviewer Comment (2026-08-26): If the questionnaire was required by the lender or the title company the fee would be counted as a finance charge. If the fee purpose was requested by the borrower, please supply the reason the borrower requested the action. Buyer Comment (2026-08-25): PCCD moving Condo association docs to section H. You have then labeled as hoa questionnaire and they can be removed from finance charges. |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226099659 | [Redacted] | [Redacted] | 37203859 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[redacted] exceeds tolerance of $[redacted] No cure provided. | Reviewer Comment (2026-09-15): [redacted] received rebuttal comment, Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-09-11): Please review the fee name on the final CD. This is not a questionnaire, but a typical third party condo association fee. Reviewer Comment (2026-08-26): If the questionnaire was required by the lender or the title company the fee would be counted as a finance charge. If the fee purpose was requested by the borrower, please supply the reason the borrower requested the action. Buyer Comment (2026-08-25): Condo association fee moved to section H, can be removed from finance charges |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226101131 | [Redacted] | [Redacted] | 37209528 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Secondary valuation was not provided in the file. | Reviewer Comment (2026-08-19): Received AVM. Exception cleared. Buyer Comment (2026-08-17): [redacted] secondary valuation completed on [redacted] by [redacted] ( [redacted]) supporting estimated value of $[redacted] Please review for clearance of exception |
08/19/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TN | Primary | Purchase | D | A | A | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 226101131 | [Redacted] | [Redacted] | 37209587 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | The disclosed Finance Charge in the amount of $[redacted] is under-disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] | Reviewer Comment (2026-09-16): [redacted] received Corrected CD & LOE to borrower moving fee to correct section H on real estate broker fee Buyer Comment (2026-09-15): Please see attached Lender Attestation, PCCD and cover letter moving Broker Admin fee from section B to Section H. This is a one-time service fee paid to the realtor and is not a financed fee. This brings the remaining $[redacted] fee within tolerance. Reviewer Comment (2026-08-18): [redacted] received rebuttal on $[redacted] credit report & $[redacted] loan safe fee should not be included in finance charge. The Credit report fee was not included in the finance charge. The Loan Safe Report would not be considered as an excludable fee as it is not primarily for credit report but is a fraud report and should be included in calculation. However, in reviewing the lender compliance report, the primary fee that lender did not include was the Broker Administration Fee of $[redacted] that is showing disclosed in Section B. Section B typically is fee required by lender relating to the extension of credit. This fee appears to be paid to the real estate agent. If this fee is not related to the extension of credit it should not be disclosed in Section B. Lender can provide a lender's attestation giving the services & purpose of this fee and if it should be disclosed in Section H, then also provide a Corrected CD & LOE to borrower moving fee to proper sectiobn. Buyer Comment (2026-08-17): The $[redacted] [redacted] Credit Report fee and $[redacted] Loan Safe Report fee represent upfront credit determination fees assessed at origination and are excluded from the Finance Charge. Supporting fee invoice/attestation (D[redacted]) showing these are non life of loan upfront determination services. Please review for clearance Final CD [redacted] |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | A | A | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 226101131 | [Redacted] | [Redacted] | 37209589 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $[redacted] with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-09-16): [redacted] received Corrected CD & LOE to borrower moving fee to correct section H on real estate broker fee Buyer Comment (2026-09-15): Please see attached Lender Attestation, PCCD and cover letter moving Broker Admin fee from section B to Section H. This is a one-time service fee paid to the realtor. Reviewer Comment (2026-08-19): [redacted] received rebuttal comment as per which the fee was disclosed twice on final CD once in section B and again in section H however, as per final SS in file the fee was charged to borrower and paid by the borrower. If the fee is paid to real estate agent/broker it should have been disclosed under section H only. Please provide corrected PCCD [redacted]g with the LOE to borrower for remediations. Buyer Comment (2026-08-17): The $[redacted] Broker Admin fee listed in section H (Other costs, Line H01) was paid entirely by the Seller at closing, as reflected on page [redacted] of the Final Closing (D [redacted]) disclosed [redacted]. Please review for clearance |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 226101131 | [Redacted] | [Redacted] | 37274149 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: FICO | Reviewer Comment (2026-09-18): Received instruction from [redacted] that the lower mid score was to be utilized. Buyer Comment (2026-09-15): [redacted] still respectfully disagrees with [redacted] FICO designation and is confused by [redacted] response. Loan is Signature Agency Conforming, so FICO requirements are different than Full Doc Signature Expanded. Please review documentation sent [redacted] and update [redacted] to reflect B2's FICO at [redacted]. Reviewer Comment (2026-08-24): Per the guidelines provided to DD, this is the guideline for full doc loans. Use the middle score of the primary income earner. An Applicant's documented income may not be excluded to determine the primary income earner on a loan Buyer Comment (2026-08-20): [redacted] respectfully disagrees with [redacted] response. Uploaded please find [redacted] Lock form which flipped loan to [redacted] Agency Conforming. Please also find 1008 which states removal from [redacted] on [redacted]. Lastly, please find snip of [redacted] Agency guideline which states qualifying credit score is calculated on lowest middle score. Please review and correct [redacted] Buyer Comment (2026-08-20): [redacted], Lock Form, [redacted] Agency guide snip Reviewer Comment (2026-08-20): Per lender guides provided to due diligence, the following is required: • Use the middle score of the primary income earner. An Applicant's documented income may not be excluded to determine the primary income earner on a loan Buyer Comment (2026-08-19): [redacted] respectfully disagrees with [redacted] FICO designation. Per guideline, qualifying credit score is calculated on lowest middle score of each borrower. B2, [redacted] has the lower of the [redacted] middle scores, thus [redacted] is using [redacted] and not [redacted]. Please review [redacted] and update [redacted] |
09/18/2026 | No | 1 | A | A | A | A | A | TN | Primary | Purchase | D | A | A | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||||||
| 226101454 | [Redacted] | [Redacted] | 37206001 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted] to , #[redacted] reflects judgments,lis pendens and tax liens with outstanding balances in the amount of $tbd. HUD [redacted] does not reflect payoff of judgments and tax liens. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-10-08): Received final title. Cleared. Buyer Comment (2026-09-25): Please see attached Reviewer Comment (2026-09-04): Received email conversation for HOA lien. Require payoff proof for Title report schedule B part [redacted] items #[redacted] to #[redacted] reflect judgments, Lis pendens and tax liens with outstanding balances in the amount of $TBD. Exception remains. Buyer Comment (2026-09-02): Please see attached email from title. Please clear condition. |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226101454 | [Redacted] | [Redacted] | 37206099 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | ACCORD to provide rent loss value on subject property. Additional requirement may apply. | Reviewer Comment (2026-09-04): No new document received. Rent loss coverage is not required. Exception cleared. Buyer Comment (2026-09-02): Per our signature expanded guidelines, Rent loss is not required. Please clear condition. |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226120819 | [Redacted] | [Redacted] | 37218737 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | The lender required DTI of [redacted]% in [redacted]. Data being used in calculations. Income: $[redacted] Subject Mortgage P&I $[redacted] Hazard $[redacted] MI n/a. Taxes $[redacted] and HOA $[redacted] Non-subject REO $[redacted] Credit debts $[redacted] | Reviewer Comment (2026-09-16): [redacted] CPA letter states open [redacted] , Third party Verificaton states start [redacted] But we have income invoices from [redacted]/[redacted]. Using the Bank statement #[redacted] (in business name) the YTD average income for this business is $[redacted] using start date [redacted] through [redacted] Total Income $[redacted] That bring DTI to [redacted]% Reviewer Comment (2026-09-14): P&L Statement for [redacted] is not located in the file. Buyer Comment (2026-09-10): as per CPA letter doc [redacted] and business license doc [redacted], [redacted] was just established in [redacted]. recent conversion from W2 to [redacted] requirements have been met, as per guides section [redacted] page [redacted]. Reviewer Comment (2026-09-09): Schedule C or P&L Statement for [redacted] is not located in the file. Buyer Comment (2026-09-04): please see CPA letter doc [redacted] that includes [redacted] Reviewer Comment (2026-08-31): A P&L and/or CPA letter is required for [redacted]. Exception remains. Lender guides: Recent Conversion from W-2 to [redacted] An Applicant who has converted from a W-2 employee to a [redacted] contractor and does not yet have filed tax returns available may be considered under this program provided the following: • They are in the same or a substantially similar role in a contractor position as they were in a W-2 employee, • They are in the same industry, and • They can provide a contract(s) which are customary to their industry stating their new terms of employment. When these conditions are met, the underwriter may consider the income stable. The Applicant must provide their last [redacted] year's tax returns in all cases as well as a year-end and/or year-to-date profit and loss statement (as applicable). The new [redacted] income should be similar to or greater than their previous W-2 income. The underwriter should utilize the Applicant's last [redacted] years' W-2 income less [redacted] expenses claimed to develop an average of income which the profit and loss statements should support. Expenses claimed on the profit and loss statement should be reasonable to the Applicant's line of work, provided they are not reimbursed per the Applicant's contract. An Applicant may set up a pass-through entity (LLC, S-Corp, etc.) and still be eligible under these guidelines. [redacted] years' employment in the same line of work prior to the conversion should also be verified. Buyer Comment (2026-08-27): per [redacted], UW calculated income via Sch C averaged [redacted] months, W2 conversion to [redacted]. please see uw income worksheets doc[redacted] for [redacted] and[redacted] for [redacted] |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226120819 | [Redacted] | [Redacted] | 37218909 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to the lender required DTI of [redacted]% in [redacted]. Data being used in calculations. Income: $[redacted] Subject Mortgage P&I $[redacted] Hazard $[redacted] MI n/a. Taxes $[redacted] and HOA $[redacted] Non-subject REO $[redacted] Credit debts $[redacted] | Reviewer Comment (2026-09-16): [redacted] CPA letter states open [redacted] , Third party Verificaton states start [redacted] But we have income invoices from [redacted]/[redacted]. Using the Bank statement #[redacted] (in business name) the YTD average income for this business is $[redacted] using start date [redacted] through [redacted] Total Income $[redacted] That bring DTI to [redacted]% Reviewer Comment (2026-09-14): P&L Statement for [redacted] is not located in the file. Buyer Comment (2026-09-10): as per CPA letter doc [redacted] and business license doc [redacted], [redacted] was just established in [redacted]. recent conversion from W2 to [redacted] requirements have been met, as per guides section [redacted] page [redacted]. Reviewer Comment (2026-09-09): Schedule C or P&L Statement for [redacted] is not located in the file. Buyer Comment (2026-09-04): please see CPA letter doc [redacted] that includes [redacted] Reviewer Comment (2026-08-31): A P&L and/or CPA letter is required for [redacted]. Lender guides: Recent Conversion from W-2 to [redacted] An Applicant who has converted from a W-2 employee to a [redacted] contractor and does not yet have filed tax returns available may be considered under this program provided the following: • They are in the same or a substantially similar role in a contractor position as they were in a W-2 employee, • They are in the same industry, and • They can provide a contract(s) which are customary to their industry stating their new terms of employment. When these conditions are met, the underwriter may consider the income stable. The Applicant must provide their last [redacted] year's tax returns in all cases as well as a year-end and/or year-to-date profit and loss statement (as applicable). The new [redacted] income should be similar to or greater than their previous W-2 income. The underwriter should utilize the Applicant's last [redacted] years' W-2 income less [redacted] expenses claimed to develop an average of income which the profit and loss statements should support. Expenses claimed on the profit and loss statement should be reasonable to the Applicant's line of work, provided they are not reimbursed per the Applicant's contract. An Applicant may set up a pass-through entity (LLC, S-Corp, etc.) and still be eligible under these guidelines. [redacted] years' employment in the same line of work prior to the conversion should also be verified. |
09/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226120819 | [Redacted] | [Redacted] | 37218910 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to the lender required DTI of [redacted]% in [redacted]. Data being used in calculations. Income: $[redacted] Subject Mortgage P&I $[redacted] Hazard $[redacted] MI n/a. Taxes $[redacted] and HOA $[redacted] Non-subject REO $[redacted] Credit debts $[redacted] | Reviewer Comment (2026-09-16): [redacted] CPA letter states open [redacted] , Third party Verificaton states start [redacted] But we have income invoices from [redacted]/[redacted]. Using the Bank statement #[redacted] (in business name) the YTD average income for this business is $[redacted] using start date [redacted] through [redacted] Total Income $[redacted] That bring DTI to [redacted]% |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226120819 | [Redacted] | [Redacted] | 37218915 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-13): Sufficient Cure Provided At Closing |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226120819 | [Redacted] | [Redacted] | 37218920 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Borrower's Personal Tax Returns [redacted] are missing for year [redacted]. | Buyer Comment (2026-09-30): OK TO WAIVE PER CNR, TIED TO OTHER CONDS CLEARED Buyer Comment (2026-09-10): as per CPA letter doc [redacted] and business license doc [redacted], [redacted] was just established in [redacted]. recent conversion from W2 to [redacted] requirements have been met, as per guides section [redacted] page [redacted]. Reviewer Comment (2026-09-09): Schedule C or P&L Statement for [redacted] is not located in the file. Buyer Comment (2026-09-04): please see CPA letter doc [redacted] that includes [redacted] Reviewer Comment (2026-08-31): A P&L and/or CPA letter is required for [redacted]. Exception remains. Lender guides: Recent Conversion from W-2 to [redacted] An Applicant who has converted from a W-2 employee to a [redacted] contractor and does not yet have filed tax returns available may be considered under this program provided the following: • They are in the same or a substantially similar role in a contractor position as they were in a W-2 employee, • They are in the same industry, and • They can provide a contract(s) which are customary to their industry stating their new terms of employment. When these conditions are met, the underwriter may consider the income stable. The Applicant must provide their last [redacted] year's tax returns in all cases as well as a year-end and/or year-to-date profit and loss statement (as applicable). The new [redacted] income should be similar to or greater than their previous W-2 income. The underwriter should utilize the Applicant's last [redacted] years' W-2 income less [redacted] expenses claimed to develop an average of income which the profit and loss statements should support. Expenses claimed on the profit and loss statement should be reasonable to the Applicant's line of work, provided they are not reimbursed per the Applicant's contract. An Applicant may set up a pass-through entity (LLC, S-Corp, etc.) and still be eligible under these guidelines. [redacted] years' employment in the same line of work prior to the conversion should also be verified. Buyer Comment (2026-08-27): please see doc[redacted]. [redacted] consult effective [redacted]. doc [redacted] is [redacted] tax extension |
09/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226120819 | [Redacted] | [Redacted] | 37218927 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Missing current YTD P&L for [redacted]. | Reviewer Comment (2026-09-16): [redacted] CPA letter states open [redacted] , Third party Verificaton states start [redacted] But we have income invoices from [redacted]/[redacted]. Using the Bank statement #[redacted] (in business name) the YTD average income for this business is $[redacted] using start date [redacted] through [redacted] Total Income $[redacted] That bring DTI to [redacted]% Reviewer Comment (2026-09-14): P&L Statement for [redacted] is not located in the file. Buyer Comment (2026-09-10): as per CPA letter doc [redacted] and business license doc [redacted], [redacted] was just established in [redacted]. recent conversion from W2 to [redacted] requirements have been met, as per guides section [redacted] page [redacted]. Reviewer Comment (2026-09-09): Schedule C or P&L Statement for [redacted] is not located in the file. Buyer Comment (2026-09-04): please see CPA letter doc [redacted] that includes [redacted] |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226120819 | [Redacted] | [Redacted] | 37224292 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall for DTI exception. | Reviewer Comment (2026-09-16): updated income [redacted] CPA letter states open [redacted] , Third party Verificaton states start [redacted] But we have income invoices from [redacted]/[redacted]. Using the Bank statement #[redacted] (in business name) the YTD average income for this business is $[redacted] using start date [redacted] through [redacted] Reviewer Comment (2026-09-14): P&L Statement for [redacted] is not located in the file. Buyer Comment (2026-09-10): as per CPA letter doc [redacted] and business license doc [redacted], [redacted] was just established in [redacted]. recent conversion from W2 to [redacted] requirements have been met, as per guides section [redacted] page [redacted]. Reviewer Comment (2026-09-09): Schedule C or P&L Statement for [redacted] is not located in the file. Buyer Comment (2026-09-04): please see CPA letter doc [redacted] that includes [redacted] Reviewer Comment (2026-08-31): A P&L and/or CPA letter is required for [redacted]. Exception remains. Lender guides: Recent Conversion from W-2 to [redacted] An Applicant who has converted from a W-2 employee to a [redacted] contractor and does not yet have filed tax returns available may be considered under this program provided the following: • They are in the same or a substantially similar role in a contractor position as they were in a W-2 employee, • They are in the same industry, and • They can provide a contract(s) which are customary to their industry stating their new terms of employment. When these conditions are met, the underwriter may consider the income stable. The Applicant must provide their last [redacted] year's tax returns in all cases as well as a year-end and/or year-to-date profit and loss statement (as applicable). The new [redacted] income should be similar to or greater than their previous W-2 income. The underwriter should utilize the Applicant's last [redacted] years' W-2 income less [redacted] expenses claimed to develop an average of income which the profit and loss statements should support. Expenses claimed on the profit and loss statement should be reasonable to the Applicant's line of work, provided they are not reimbursed per the Applicant's contract. An Applicant may set up a pass-through entity (LLC, S-Corp, etc.) and still be eligible under these guidelines. [redacted] years' employment in the same line of work prior to the conversion should also be verified. |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226120819 | [Redacted] | [Redacted] | 37230428 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Waterfall for missing P&L for newly formed S/E business. | Reviewer Comment (2026-09-16): [redacted] CPA letter states open [redacted] , Third party Verificaton states start [redacted] But we have income invoices from [redacted]/[redacted]. Using the Bank statement #[redacted] (in business name) the YTD average income for this business is $[redacted] using start date [redacted] through [redacted] Total Income $[redacted] That bring DTI to [redacted]% Reviewer Comment (2026-09-14): P&L Statement for [redacted] is not located in the file. Buyer Comment (2026-09-10): as per CPA letter doc [redacted] and business license doc [redacted], [redacted] was just established in [redacted]. recent conversion from W2 to [redacted] requirements have been met, as per guides section [redacted] page [redacted]. |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226120819 | [Redacted] | [Redacted] | 37234462 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Reviewer Comment (2026-09-16): updated income [redacted] CPA letter states open [redacted] , Third party Verificaton states start [redacted] But we have income invoices from [redacted]/[redacted]. Using the Bank statement #[redacted] (in business name) the YTD average income for this business is $[redacted] using start date [redacted] through [redacted] Reviewer Comment (2026-09-14): P&L Statement for [redacted] is not located in the file. Buyer Comment (2026-09-10): as per CPA letter doc [redacted] and business license doc [redacted], [redacted] was just established in [redacted]. recent conversion from W2 to [redacted] requirements have been met, as per guides section [redacted] page [redacted]. Reviewer Comment (2026-09-09): Schedule C or P&L Statement for [redacted] is not located in the file. Buyer Comment (2026-09-04): please see CPA letter doc [redacted] that includes [redacted] Reviewer Comment (2026-08-31): A P&L and/or CPA letter is required for [redacted]. Exception remains. Lender guides: Recent Conversion from W-2 to [redacted] An Applicant who has converted from a W-2 employee to a [redacted] contractor and does not yet have filed tax returns available may be considered under this program provided the following: • They are in the same or a substantially similar role in a contractor position as they were in a W-2 employee, • They are in the same industry, and • They can provide a contract(s) which are customary to their industry stating their new terms of employment. When these conditions are met, the underwriter may consider the income stable. The Applicant must provide their last [redacted] year's tax returns in all cases as well as a year-end and/or year-to-date profit and loss statement (as applicable). The new [redacted] income should be similar to or greater than their previous W-2 income. The underwriter should utilize the Applicant's last [redacted] years' W-2 income less [redacted] expenses claimed to develop an average of income which the profit and loss statements should support. Expenses claimed on the profit and loss statement should be reasonable to the Applicant's line of work, provided they are not reimbursed per the Applicant's contract. An Applicant may set up a pass-through entity (LLC, S-Corp, etc.) and still be eligible under these guidelines. [redacted] years' employment in the same line of work prior to the conversion should also be verified. Buyer Comment (2026-08-27): per [redacted], UW calculated income via Sch C averaged [redacted] months, W2 conversion to [redacted]. please see uw income worksheets doc[redacted] for [redacted] and[redacted] for [redacted] |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226122077 | [Redacted] | [Redacted] | 37219071 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | The file is missing a copy of the credit report. | Reviewer Comment (2026-08-31): Received updated [redacted] and bid tape. Cleared. Buyer Comment (2026-08-28): See upload |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226122077 | [Redacted] | [Redacted] | 37219073 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | The file is missing a copy of the credit report. | Reviewer Comment (2026-08-31): Received updated [redacted] and bid tape. Cleared. Buyer Comment (2026-08-28): Credit Report |
08/31/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226122077 | [Redacted] | [Redacted] | 37219088 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The file is missing a copy of the credit report. | Reviewer Comment (2026-08-31): Received updated [redacted] and bid tape. Cleared. Buyer Comment (2026-08-28): See upload |
08/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM status | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226122077 | [Redacted] | [Redacted] | 37219089 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank [redacted]): Unable to verify debt obligations using reasonably reliable third-party records. | The file is missing a copy of the credit report. | Reviewer Comment (2026-08-31): Received updated [redacted] and bid tape. Cleared. Buyer Comment (2026-08-28): Waterfall |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226122077 | [Redacted] | [Redacted] | 37219090 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The file is missing a copy of the credit report. | Reviewer Comment (2026-08-31): Received updated [redacted] and bid tape. Cleared. Buyer Comment (2026-08-28): Waterfall |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226122077 | [Redacted] | [Redacted] | 37219091 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | The file is missing a copy of the credit report. | Reviewer Comment (2026-08-31): Received updated [redacted] and bid tape. Cleared. |
08/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226122077 | [Redacted] | [Redacted] | 37219092 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten percent tolerance was exceeded by $[redacted] due to an increase in the recording fee. No valid COC was provided, nor was evidence of cure found in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[redacted] a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-10-19): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-16): Cure Docs Reviewer Comment (2026-09-22): [redacted]: On Initial LE Title-Settlement fee $[redacted] and Recording fee $[redacted] The Total of [redacted]% Tolerance fee on LE is $[redacted] + [redacted]% ($[redacted]) = $[redacted] whereas on Final CD Title-Settlement fee $[redacted] Title - Electronic document delivery fee $[redacted] and Recording fee $[redacted] on Final CD total of [redacted]% Tolerance is $[redacted] The settlement fee increase and E doc fee added to disclosed is in section B under borrower did not shop for service section. This is causing the fees are exceeds over [redacted]% tolerance of $[redacted] (ILE $[redacted] + [redacted]% ($[redacted]) = $[redacted] - $[redacted]). Hence, refund cure of $[redacted] with cure documents are required to cure this exception. Buyer Comment (2026-09-21): Can you please give you breakdown of the [redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] amount. Reviewer Comment (2026-09-10): [redacted]: The prelim CD received from title is not a valid changed circumstance in order for a fee to be re-baselined. When a lender issues a revised LE or CD reflecting an increase in fee(s) subject to tolerance, sufficient COC documentation is required to re-baseline fee amounts. The regulation provides that "the creditor must be able to show compliance with § [redacted](e) by documenting the original estimate of the cost at issue, explaining the reason for revision and how it affected settlement costs, showing that the corrected disclosure increased the estimate only to the extent that the reason for revision actually increased the cost, and showing that the timing requirements of § [redacted](e)([redacted]) were satisfied. A valid COC or Cure required to complete the remediation. Buyer Comment (2026-09-09): This prelim CD received from title for balancing was reason for increase. This was sent from title to us and not to the borrower for balancing purposes. Reviewer Comment (2026-09-01): [redacted] received rebuttal and Changed Circumstance dated [redacted], but it does not give sufficient information on why the title fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee title - settlement fee increased and title - e-doc fee added and also when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-08-28): See[redacted] |
10/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226122077 | [Redacted] | [Redacted] | 37225554 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Credit report was not found in file. | Reviewer Comment (2026-08-31): Received updated [redacted] and bid tape. Cleared. Buyer Comment (2026-08-28): Waterfall |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226124862 | [Redacted] | [Redacted] | 37226305 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[redacted] a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-09-11): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-09-10): [redacted] appraisal for [redacted] wasn't ordered until [redacted]. Was redisclosed on [redacted] after accepted. Buyer Comment (2026-09-10): See upload |
09/11/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226124862 | [Redacted] | [Redacted] | 37226306 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was not disclosed on Loan Estimate. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[redacted] a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-09-11): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-09-10): [redacted] Rebuttal Buyer Comment (2026-09-10): Rebuttal Reviewer Comment (2026-08-27): [redacted] received Valid COC dated [redacted] for addition of Appraisal re-inspection fee; however, Appraisal re-inspection fee again increased on CD dated [redacted]/[redacted] without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-08-25): See COC. Appraisal was dated [redacted]. It showed subject to and was disclosed on the [redacted] LE/COC. |
09/11/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226124862 | [Redacted] | [Redacted] | 37246746 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing either the purchase contract, listing agreement or letter of intent to sell the departure home as required by lender guides. | Reviewer Comment (2026-09-14): Provided Sales Contract for departure residence [redacted]. Exception cleared. Buyer Comment (2026-09-10): LISTING CONTRACT |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226124862 | [Redacted] | [Redacted] | 37530538 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] the second appraisal fee increased on CD dated [redacted].Kindly provide a valid COC as to why the second appraisal fee increased on CD dated [redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | Reviewer Comment (2026-10-06): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-05): Cure Docs Reviewer Comment (2026-09-15): [redacted] there are [redacted] appraisal fees from initial LE out of which second appraisal fee increased from $[redacted] to $[redacted] on CD dated [redacted]. Kindly provide a valid COC as to why the fee increased on CD dated [redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-09-11): Please advise as to why this condition was added. Is it a duplicate of the other condition that was cleared which combined appraisal fees? |
10/06/2026 | No | 2 | B | B | B | B | B | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226125132 | [Redacted] | [Redacted] | 37226944 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee. | Reviewer Comment (2026-08-14): Cured at closing or within [redacted] days of consummation prior to TPR review |
08/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226125132 | [Redacted] | [Redacted] | 37250972 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-17): Sufficient Cure Provided At Closing |
08/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226129485 | [Redacted] | [Redacted] | 37251476 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a valid change of circumstance listing the fee that is changing, the reason for the change or the amount. Insufficient cure was provided to cure all TRID violations. | Reviewer Comment (2026-09-30): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-29): Please see attached Cure Check, Cover Letter, PCCD and proof [redacted] delivered. |
09/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226129738 | [Redacted] | [Redacted] | 37238773 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI mismatch due to income qualification. | Reviewer Comment (2026-10-27): Cleared. Received updated DTI. Reviewer Comment (2026-10-27): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-10-23): please clear, bid tape has been corrected Reviewer Comment (2026-09-24): Bid tape DTI need to be corrected to clear this condition. Exception remains. Buyer Comment (2026-09-22): [redacted] Reviewer Comment (2026-08-27): The income variance is due to Qualifying Deposits for bank statement dated [redacted] $[redacted] and UW worksheet is reflecting $[redacted] which is ending balance of [redacted] and beginning balance of [redacted]. Exception remains. Buyer Comment (2026-08-25): See[redacted] worksheet. Income is $[redacted] Please provide how you are coming up with $[redacted] |
10/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226129738 | [Redacted] | [Redacted] | 37238782 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation mismatch due to DTI issue. | Reviewer Comment (2026-10-27): Cleared. Received updated bid tape. Reviewer Comment (2026-09-24): Bid tape DTI need to be corrected to clear this condition. Exception remains. Buyer Comment (2026-09-22): [redacted] Reviewer Comment (2026-08-27): The income variance is due to Qualifying Deposits for bank statement dated [redacted] $[redacted] and UW worksheet is reflecting $[redacted] which is ending balance of [redacted] and beginning balance of [redacted]. Exception remains. Buyer Comment (2026-08-25): See[redacted] worksheet. Income is $[redacted] Please provide how you are coming up with $[redacted] |
10/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226129738 | [Redacted] | [Redacted] | 37238783 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | DTI mismatch due to income qualification. | Reviewer Comment (2026-10-27): Cleared. Received updated bid tape. Reviewer Comment (2026-09-24): Bid tape DTI need to be corrected to clear this condition. Exception remains. Buyer Comment (2026-09-22): [redacted] Reviewer Comment (2026-08-27): The income variance is due to Qualifying Deposits for bank statement dated [redacted] $[redacted] and UW worksheet is reflecting $[redacted] which is ending balance of [redacted] and beginning balance of [redacted]. Exception remains. Buyer Comment (2026-08-25): See[redacted] worksheet. Income is $[redacted] Please provide how you are coming up with $[redacted] |
10/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226129909 | [Redacted] | [Redacted] | 37239004 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Full appraisal is provided, and supporting secondary valuation is missing in the file. | Reviewer Comment (2026-09-04): CDA received. Buyer Comment (2026-09-02): Second Appraisal (CDA) Uploaded for review. |
09/04/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WV | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 226129909 | [Redacted] | [Redacted] | 37239006 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to CPA Letter/Third-Party Verification income document was not found in file. | Reviewer Comment (2026-08-28): D[redacted] from CPA signed and dated Buyer Comment (2026-08-27): Doc#[redacted] shows the CPA letter on file for the Borrower (Business Name: [redacted]) matching bank statements. Please revise for clearance. |
08/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WV | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 226129909 | [Redacted] | [Redacted] | 37239007 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current employment status using reasonably reliable third-party records. | CPA Letter/Third-Party Verification income document was not found in file. | Reviewer Comment (2026-08-28): Document[redacted] is CPA letter signed and date Buyer Comment (2026-08-27): Doc#[redacted] shows the CPA letter on file for the Borrower (Business Name: [redacted]) matching bank statements. Please revise for clearance. |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 226129909 | [Redacted] | [Redacted] | 37239009 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | Waterfall due to CPA Letter/Third-Party Verification income document was not found in file. | Reviewer Comment (2026-08-28): D[redacted] from CPA signed and dated |
08/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WV | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 226129909 | [Redacted] | [Redacted] | 37239010 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Pest Inspection Fee increased to $[redacted] without a valid change of circumstance; insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-13): [redacted] received rebuttal, PCCD and LOE Buyer Comment (2026-10-12): Please see attached Certified ALTA. Title did not do a revised copy regarding the credit for the termite fee/Pest Inspection. You have a copy of the check from Title to the borrower (D[redacted]) in the upper MEMO part of the check it shows the refund included Termite Fee $[redacted] and memo states excesses recording fee reimbursement AND TERMITE FEE REIMBURSEMENT. As previously stated, Title made an error and charged this fee. It was a service that was not required and not completed. Upon the discovery of their error, they refunded the fee back to the borrower which is evidenced in on the refund. I have corrected PCCD and moved the fee to section H as you requested. Reviewer Comment (2026-10-08): [redacted] received updated CD and letter of explanation for the fee was moved to section H and the fee was paid by other. However, we also required True and Certified copy of the Final Settlement Statement to verify the specific fee applied the same and reevaluate this exception. Buyer Comment (2026-10-06): Please see attached Attestation. No cure is required as the funds were already returned to the borrower by the title company, check has been provided to verify the return of the funds. Reviewer Comment (2026-10-06): [redacted] received Post CD and LOX. However, we are unable to determine from the file whether the lender or title company requried the pest inspection. If the lender required the pest inspection fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the pest inspection Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-10-05): Please see attached PCCD and cover letter. Pest inspection has been moved to Section H and showing as being paid by "other" (Title). The check from Title to the borrower (in trailing Docs[redacted]) does specify that part of the check is for the Termite fee $[redacted] (Reference check and note the comment in "Amount Breakdown" Reviewer Comment (2026-09-30): [redacted] acknowledged that the below comment. However, for fee tolerance testing the credit should be disclosed specifically to the fee in question. A title credit is not specific and is a general credit to borrower and not specific to the fee in question. A corrected CD and LOE to borrower should place this credit towards the Pest inspection, if that is the fee it was intended to be credited toward and shown in the Paid by Others column or it should be reflected under section J in inner column on page [redacted] of the Corrected CD or If the service is optional (borrower chosen and not required by title or lender) and the pest inspection completed on their own, then please provide attestation letter and corrected CD to move the fee to section H in order to clear this exception. Buyer Comment (2026-09-28): The pest inspection was incorrectly added by and subsequently refunded by title. The only appropriate resolution on our end is to move the fee to section h and to add a "title credit" for it on page [redacted] on the PCCD. The refund check from title was already previously provided to you and found in trailing docs or[redacted]. Please indicate if this resolution would meet your requirements. Reviewer Comment (2026-09-23): [redacted] received LOX stating refund was provided. However, we would require Post CD,LOX,Copy of refund check and proof of mailing for $[redacted] in order to cure the exception. Buyer Comment (2026-09-22): Pest Control fee was refunded to borrower. Please see attached email from title company [redacted]g with verification the fee was reimbursed. |
10/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 226129909 | [Redacted] | [Redacted] | 37261957 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing tax verification for [redacted]: | Reviewer Comment (2026-09-23): Received correspondence documentation is verified, and the property is removed from the REO section. Exception cleared. Buyer Comment (2026-09-21): Please see attached correspondence from the branch. The address [redacted]; it has been removed from the final [redacted]. That [redacted] address [redacted]. The Proof of Taxes is in[redacted] however since this is owned by the business, it should not be included in the borrower's debt. |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 226131334 | [Redacted] | [Redacted] | 37264253 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Currency converters for the [redacted] accounts are missing. | Reviewer Comment (2026-10-20): Cleared. Received currency converters Buyer Comment (2026-10-16): Restip says "document provided" however condition is still open. Please clarify what you are needing or clear condition. Reviewer Comment (2026-10-14): Document provided in loan images Buyer Comment (2026-10-13): Please see attached Reviewer Comment (2026-10-01): Received currency converters for the [redacted] accounts. However, currency converter documentation for account #[redacted] remains outstanding and is required. Buyer Comment (2026-09-29): Please see attached. Reviewer Comment (2026-09-10): Require Currency convertor for account #[redacted] of $[redacted] account #[redacted] of $[redacted] and account #[redacted] of $[redacted] Exception Remains. Buyer Comment (2026-09-08): Could you please clarify which accounts are not coverted because I reviewed all the asset statements, and they have all been converted. Please advise. |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226131334 | [Redacted] | [Redacted] | 37264263 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Currency converters for the [redacted] accounts are missing. | Reviewer Comment (2026-10-14): Document provided in loan images Buyer Comment (2026-10-13): Waterfall Reviewer Comment (2026-10-01): Received currency converters for the [redacted] accounts. However, currency converter documentation for account #[redacted] remains outstanding and is required. Buyer Comment (2026-09-29): Waterfall |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226131334 | [Redacted] | [Redacted] | 37264269 | Credit | Missing Document | General | Missing Document | Missing Document: Currency Converter/Exchange (Asset) not provided | Currency converters for the [redacted] accounts are missing. | Reviewer Comment (2026-10-14): Document provided in loan images Buyer Comment (2026-10-13): Waterfall Reviewer Comment (2026-10-01): Received currency converters for the [redacted] accounts. However, currency converter documentation for account #[redacted] remains outstanding and is required. Buyer Comment (2026-09-29): Waterfall |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226138804 | [Redacted] | [Redacted] | 37256308 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement not provided for property located at [redacted]. | Reviewer Comment (2026-09-01): Provided and cleared. Buyer Comment (2026-09-01): Primary residence mortgage statement |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226138804 | [Redacted] | [Redacted] | 37263904 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | HOA Error: Subject is located in a project and HOA Information was not provided. | - | Condo questionnaire not provided in file. | Reviewer Comment (2026-09-30): [redacted] and Pages [redacted] - [redacted], [redacted] answer Condo questionnaire Reviewer Comment (2026-09-17): Require complete Condo Questionnaire document to clear the exception. Exception Remains. Buyer Comment (2026-09-15): See [redacted] and Pages [redacted] - [redacted], [redacted] Reviewer Comment (2026-09-03): Exception remains , Condo questionnaire not provided in file Buyer Comment (2026-09-01): See [redacted] |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226138804 | [Redacted] | [Redacted] | 37280900 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reviewer Comment (2026-09-03): Asset details corrected for account number ending with [redacted]. Exception cleared. Buyer Comment (2026-09-01): In regard to acct #[redacted]. Marketable securities (excludes unvested RSUs and Stock options): [redacted]%. Statement shows equities. Please advise where this [redacted]% is showing. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 226138804 | [Redacted] | [Redacted] | 37280968 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Reserves not met | Reviewer Comment (2026-09-03): Asset details corrected for account number ending with [redacted]. Exception cleared. Buyer Comment (2026-09-01): In regard to acct #[redacted]. Marketable securities (excludes unvested RSUs and Stock options): [redacted]%. Statement shows equities. Please advise where this [redacted]% is showing. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226144036 | [Redacted] | [Redacted] | 37298311 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per lender guidelines, the most recent [redacted] month mortgage pay history is required for the subject and primary residence. The application does not reflect the borrower's primary. Does not indicate if there is a mortgage or not. Please provide clarification. Otherwise, the most recent [redacted] month pay history will be required. | Reviewer Comment (2026-10-02): Received evidence property is free & clear. Cleared. Buyer Comment (2026-09-30): The already provided property profile shows the borrowers as owners and the parcel number matches the address [redacted] Reviewer Comment (2026-09-22): The Property History Report provided does not identify the borrower as an owner of the primary residence. Exception Remains. Buyer Comment (2026-09-21): See highlighted and/or red square on the property profile and [redacted] look up to confirm the APN as one in the same Reviewer Comment (2026-09-14): The submitted Property Report does not support the subject parcel number. Please provide a Property History Report for the correct subject address. Exception Remains. Buyer Comment (2026-09-10): Confirmation of address [redacted] Reviewer Comment (2026-09-02): The provided Property History Report does not verify the subject address. Exception Remains. Buyer Comment (2026-08-31): Owned Free and Clear |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226147366 | [Redacted] | [Redacted] | 37268310 | Compliance | Compliance | State Compliance | Misc. State Level | XXXX Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely) | [redacted] Mortgage Lending Regulations: Disclosure on responsibility for payment of taxes and insurance not provided to borrower within [redacted] business days of application or [redacted] business days prior to closing. | Disclosure on responsibility for payment of taxes and insurance not provided to borrower within [redacted] business days of application or [redacted] business days prior to closing. | Buyer Comment (2026-10-14): Waive per CNR Reviewer Comment (2026-10-14): Even if the argument is accepted that escrow was not initially waived on the loan, the timing requirements for the Escrow notice states that it must still be given "not less than [redacted] hours before the time of settlement agreed to by the parties." Subsection C of the timing requirement gets even more specific by stating "if any change to the terms of a mortgage loan requires additional or modified disclosure" (e.g., subsequent escrow waiver), the disclosure must still be provided at least [redacted] hours before the time of settlement. Md. Code Regs. [redacted](C): ([redacted]) A regulated person shall deliver to a borrower the disclosures required by this regulation within [redacted] business days after the application for the mortgage loan is completed, and not less than [redacted] hours before the time of settlement agreed to by the parties. ([redacted]) An application for a mortgage loan is completed at the time of initial application. ([redacted]) If any change to the terms of a mortgage loan requires additional or modified disclosures pursuant to this regulation, the regulated person shall deliver to the borrower a final set of disclosures at least [redacted] hours before the time of settlement agreed to by the parties. Reviewer Comment (2026-10-13): This issue is the Date borrower signed and dated the document. Doc#[redacted] is signed and dated [redacted]. Disclosure on responsibility for payment of taxes and insurance not provided to borrower within ten business days of application or [redacted] business days prior to closing. Closing Date was [redacted] and Application date is [redacted] Buyer Comment (2026-10-13): Please review the attached Escrow Waiver dated [redacted], which confirms that the borrower elected to waive escrow for both real estate taxes and homeowners insurance. The disclosure identifies the borrower as responsible for the timely payment of these expenses directly. Based on the documentation provided, please reconsider the exception and advise if this satisfies the escrow responsibility disclosure requirement. Reviewer Comment (2026-09-18): Exception Remains Document is required Please provide Escrow responsibility disclose Buyer Comment (2026-09-16): The escrow is waived on this file. Please clear condition. Reviewer Comment (2026-09-09): Exception Remains Please provide Escrow responsibility disclouse Buyer Comment (2026-09-04): Please see the uploaded [redacted] lock, which was current at the time the [redacted] ICD was produced, showing that escrows had not been waived at that time. The escrow waiver was subsequently uploaded prior to closing. The final Closing Disclosure reflects that no escrow account was established, and the borrower signed the escrow waiver at closing acknowledging responsibility for the payment of property taxes and homeowners insurance. Therefore, the final loan documents reflect the borrower's responsibility for these payments. Please clear condition. Reviewer Comment (2026-08-25): Please provide Escrow responsibility disclosure confirming - You are responsible for Property tax and Homeowner's insurance payments in addition to your regularly scheduled periodic mortgage loan payment. Exception Remains Buyer Comment (2026-08-21): Please see attached. |
10/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | XXXX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 226147366 | [Redacted] | [Redacted] | 37297579 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-20): Sufficient Cure Provided At Closing |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | XXXX | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226147421 | [Redacted] | [Redacted] | 37268616 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement was not found in file. | Reviewer Comment (2026-10-27): Received Guarantor Agreement document. Verified and updated details. Exception Cleared. Buyer Comment (2026-10-26): guaranty agreement upld |
10/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226179088 | [Redacted] | [Redacted] | 37323522 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to asset documentation requirements not met as Trust Agreement was missing for the trust involved in the account. | Reviewer Comment (2026-09-22): EMD details have been corrected based on the available documents in the file. A separate condition has been raised for the Trust Agreement. Exception cleared. Reviewer Comment (2026-09-21): Trust agreement is required as per guidelines since trust funds are being utilized to meet the asset requirement for accounts ending in #[redacted] and #[redacted]. Exception remains. Buyer Comment (2026-09-17): Please advise. EMD was sent to title on [redacted] & [redacted]. See[redacted]. Reviewer Comment (2026-09-03): The remaining conditions are due to the EMD was not provided to the title company (per documentation provided in the file) until after closing on [redacted]. Exception remains. Buyer Comment (2026-09-02): Please advise on why this is being requested as it seems to be invalid. The Title vesting shows Proposed Insured Vesting as [redacted], A Single Woman. Asset statements are in [redacted] name. [redacted] is the name of [redacted] not the borrower assets are in a trust. |
09/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226179088 | [Redacted] | [Redacted] | 37323523 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank [redacted]): Unable to verify assets using reasonably reliable third-party records. | Waterfall due to asset documentation requirements not met as the Trust Agreement document was missing for the trust involved in the account. | Reviewer Comment (2026-09-22): EMD details have been corrected based on the available documents in the file. A separate condition has been raised for the Trust Agreement. Exception cleared. Reviewer Comment (2026-09-21): Trust agreement is required as per guidelines since trust funds are being utilized to meet the asset requirement for accounts ending in #[redacted] and #[redacted]. Exception remains. Buyer Comment (2026-09-17): Please advise. EMD was sent to title on [redacted] & [redacted]. See[redacted]. Reviewer Comment (2026-09-03): The remaining conditions are due to the EMD was not provided to the title company (per documentation provided in the file) until after closing on [redacted]. Exception remains. Buyer Comment (2026-09-02): Please advise on why this is being requested as it seems to be invalid. The Title vesting shows Proposed Insured Vesting as [redacted], A Single Woman. Asset statements are in [redacted] name. [redacted] is the name of [redacted] not the borrower assets are in a trust. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226179088 | [Redacted] | [Redacted] | 37323524 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | Waterfall due to asset documentation requirements not met as the Trust Agreement document was missing for the trust involved in the account. | Reviewer Comment (2026-09-22): EMD details have been corrected based on the available documents in the file. A separate condition has been raised for the Trust Agreement. Exception cleared. |
09/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226179088 | [Redacted] | [Redacted] | 37323525 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Credit Report Fee. Fee amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-09-03): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-09-02): See page [redacted]. Lender credit of $[redacted] given to cure on final CD.($[redacted] - $[redacted] = $[redacted]) |
09/03/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226179088 | [Redacted] | [Redacted] | 37323526 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Transfer Tax. Fee amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-23): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-22): Cure Docs Reviewer Comment (2026-09-03): [redacted] received rebuttal, however on initial LE dated [redacted](Doc ID[redacted]) transfer tax was not disclosed. Please provide valid COC for addition of transfer tax on LE dated [redacted]. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-09-02): Transfer Taxes Listed on LE[redacted] |
10/23/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226179088 | [Redacted] | [Redacted] | 37323549 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided | Trust Agreement was not found in file. | Reviewer Comment (2026-09-03): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-09-02): Please advise on why this is being requested as it seems to be invalid. The Title vesting shows Proposed Insured Vesting as [redacted], A Single Woman. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226179088 | [Redacted] | [Redacted] | 37323550 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided | Reviewer Comment (2026-09-03): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-09-02): Please advise on why this is being requested as it seems to be invalid. The Title vesting shows Proposed Insured Vesting as [redacted], A Single Woman. Asset statements are in [redacted] name. [redacted] is the name of [redacted] not the borrower assets are in a trust. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 226179088 | [Redacted] | [Redacted] | 37331232 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Trust agreement was not found in file. | Reviewer Comment (2026-09-03): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-09-02): Please advise on why this is being requested as it seems to be invalid. The Title vesting shows Proposed Insured Vesting as [redacted], A Single Woman. Asset statements are in [redacted] name. [redacted] is the name of [redacted] not the borrower assets are in a trust. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226179088 | [Redacted] | [Redacted] | 37331270 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Asset documentation requirements were not met. | Reviewer Comment (2026-09-22): EMD details have been corrected based on the available documents in the file. A separate condition has been raised for the Trust Agreement. Exception cleared. Reviewer Comment (2026-09-21): Trust agreement is required as per guidelines since trust funds are being utilized to meet the asset requirement for accounts ending in #[redacted] and #[redacted]. Exception remains. Buyer Comment (2026-09-17): Please advise. EMD was sent to title on [redacted] & [redacted]. See[redacted]. Reviewer Comment (2026-09-03): The remaining conditions are due to the EMD was not provided to the title company (per documentation provided in the file) until after closing on [redacted]. Exception remains. Buyer Comment (2026-09-02): Please advise on why this is being requested as it seems to be invalid. The Title vesting shows Proposed Insured Vesting as [redacted], A Single Woman. Asset statements are in [redacted] name. [redacted] is the name of [redacted] not the borrower assets are in a trust. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226179088 | [Redacted] | [Redacted] | 37331272 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Trust agreement was not found in file. | Reviewer Comment (2026-09-03): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-09-02): Please advise on why this is being requested as it seems to be invalid. The Title vesting shows Proposed Insured Vesting as [redacted], A Single Woman. Asset statements are in [redacted] name. [redacted] is the name of [redacted] not the borrower assets are in a trust. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226179088 | [Redacted] | [Redacted] | 37616622 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | The trust agreement or trust certificate not provided in file as required as per guideline for account number ending with #[redacted] and #[redacted]. The bank statements are utilized for asset requirement. | Reviewer Comment (2026-10-21): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-10-19): Duplicate condition. Please advise on why this is being requested as it seems to be invalid. The Title vesting shows Proposed Insured Vesting as [redacted], A Single Woman. Asset statements are in [redacted] name. [redacted] is the name of [redacted] not the borrower assets are in a trust. |
10/21/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226179088 | [Redacted] | [Redacted] | 37616632 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to the trust agreement or trust certificate not provided in file as required as per guideline for account number ending with #[redacted] and #[redacted]. The bank statements are utilized for asset requirement. | Reviewer Comment (2026-10-21): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-10-19): Duplicate condition. Please advise on why this is being requested as it seems to be invalid. The Title vesting shows Proposed Insured Vesting as [redacted], A Single Woman. Asset statements are in [redacted] name. [redacted] is the name of [redacted] not the borrower assets are in a trust. |
10/21/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226179094 | [Redacted] | [Redacted] | 37319574 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The homeowner's insurance declarations page in the file verified an effective date of [redacted] which is after the consummation date of [redacted]. | Reviewer Comment (2026-10-01): Effective date is the same as the disbursement date. Cleared. Buyer Comment (2026-09-29): Insurance company cant update the effective date but we have the borrower confirming no claims filed Reviewer Comment (2026-09-10): This is a wet state, effective date cannot be after consummation date Buyer Comment (2026-09-10): This is a purchase transaction so insurance can be effective on disbursement date . [redacted] is fine as is |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226179094 | [Redacted] | [Redacted] | 37319582 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment was not found in file. | Reviewer Comment (2026-09-10): Note Addendum - Prepayment - cleared Buyer Comment (2026-09-10): Note |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| 226179094 | [Redacted] | [Redacted] | 37319595 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Fixed Prepayment Rider was not found in file. | Reviewer Comment (2026-09-10): Prepayment Rider - cleared Buyer Comment (2026-09-10): Rider |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226179094 | [Redacted] | [Redacted] | 37429571 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: PPP | Reviewer Comment (2026-09-03): Received PPP addendum and rider. Exception cleared. Buyer Comment (2026-09-01): Hello, please see the attached Pre-Payment Addendum and Rider confirming PPP. Thank you! |
09/03/2026 | No | 1 | A | A | A | A | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| 226183227 | [Redacted] | [Redacted] | 37350515 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Borrower advised that they do not own properties located at [redacted], [redacted] and [redacted]-[redacted] ; however, documentation in file supports ownership as REOs are included, causing a variance in DTI. | Reviewer Comment (2026-09-30): Received clarification regarding the mortgage on the primary. The mortgage is in the name of father and mother only. Condition cleared. Reviewer Comment (2026-09-29): Primary property [redacted] Apartment P&I of $[redacted] is considered under ratio by the lender. While other REO property expenses are not considered. Buyer Comment (2026-09-25): please understand that our borrower is an "owner" of the primary as he is listed on the deed doc[redacted]. he is just not liable for the debt because he is not on the note. please cancel this condition Reviewer Comment (2026-09-15): The loan application reflects that [redacted] is owned and retained by the borrower as primary residence. Documentation to support that borrower lives rent free is not located in the file. [redacted] and [redacted] properties are included on the borrower's tax returns Sched E. Buyer Comment (2026-09-11): Please note that our borrower is XXXX. Borrower's father is [redacted]. Per LOXs docs[redacted] and[redacted], borrower "XXXX" is not liable for the debts as he is not a borrower on those loans. You can be listed on the Mortgage deed and not be a borrower on the loan Mortgage statements docs[redacted],D[redacted], and[redacted] are in the father and mother's name. please cancel condition. |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226185340 | [Redacted] | [Redacted] | 37349002 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-25): Sufficient Cure Provided At Closing |
08/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226185340 | [Redacted] | [Redacted] | 37350199 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The final CD reflects an additional deposit for $[redacted] from [redacted]. Clarification is required as to the source of these funds. Additional conditions may apply. | Reviewer Comment (2026-10-02): Received wire receipt evidencing source of funds in the amount of $[redacted] Exception cleared. Buyer Comment (2026-09-30): please see attached wire receipt from title company Reviewer Comment (2026-09-28): Evidence of wire transfer for $[redacted] is required. Exception Remains. Buyer Comment (2026-09-24): please see attached notes from our UW. $[redacted]K estimated deposit amount to come from [redacted]account, doc[redacted] Reviewer Comment (2026-09-15): The final CD reflects an additional deposit for $[redacted] from [redacted]. Clarification is required as to the source of these funds. Additional conditions may apply. Buyer Comment (2026-09-11): per [redacted] doc [redacted], large deposits are from court ordered child support payouts. further evidence of deposits are docs[redacted],[redacted], and [redacted] |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226193967 | [Redacted] | [Redacted] | 37364434 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement was not provided. | Reviewer Comment (2026-09-15): E-Sign Consent Agreement received. Buyer Comment (2026-09-11): Please see attached eConsent |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 226193967 | [Redacted] | [Redacted] | 37364495 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Qualifying Total Debt Ratio: [redacted]% and Investor Qualifying Total Debt Ratio: [redacted]%. | Reviewer Comment (2026-10-09): DTI within tolerance. Exception cleared. Buyer Comment (2026-10-07): Per [redacted]. Borrower intends to occupy Unit [redacted]. Per Operating Income Statement ([redacted]) Market rents for unit [redacted] are $[redacted] + Unit [redacted] (Using lower lease payment as reporting on Operating Income statement) $[redacted] = $[redacted] x [redacted]% = Rental income of $[redacted] Reviewer Comment (2026-10-07): Require proof to consider rental income of $[redacted] of [redacted] while operating income shows total rental of $[redacted]As considering $[redacted] will impact the DTI to [redacted]%. Buyer Comment (2026-10-05): Please note, the initial [redacted] was incorrect the property on [redacted] was inaccurately added and the mortgage showing on that property is not accurate. I had previously provided you with a copy of the mortgage for this property verifying it is not in the borrower's name (see trailing docs[redacted]). This property is owned by the business. The loan that is reflected on the initial [redacted] that you are stating is on the CBR is for the property located at [redacted]; please refer to the Mortgage Statement in[redacted] which confirms that loan is not for the[redacted] property. Reviewer Comment (2026-09-29): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Reviewer Comment (2026-09-29): [redacted] Is showing on CBR as a joint Mortgage unable to remove unless proof is provided that brw doesnt own the property. Buyer Comment (2026-09-28): Please look at the final [redacted], the property at [redacted] was removed, it's on the initial [redacted] only however once [redacted] discovered borrower doesn't own the property personally, it was removed. We used market rents for leasing the [redacted] & [redacted] units on [redacted] as the current leases are with the current owner, not our borrower. Reviewer Comment (2026-09-15): Please provide the final [redacted] excluding the REO property [redacted] also rental income of $[redacted] is considered of [redacted] while operating income shows total rental of $[redacted] Buyer Comment (2026-09-11): [redacted] is not personally owned and debt not in borrowers name see attached mortgage therefore it has been excluded from the borrowers REO and no debt included. It appears rental income for [redacted] units of the new proposed property at [redacted]. was not included. Please Rental income per Operating income statement on appraisal [redacted]. (borrower will occupy Vacant Unit #[redacted] and rent units [redacted] & [redacted]). Please also see Exception allowing DTI of [redacted]% |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 226193967 | [Redacted] | [Redacted] | 37364524 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of [redacted]% exceeds guideline total debt ratio of [redacted]%. Lender exception approved for a [redacted]% DTI on NOO cash out. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-09): Client elects to waive with compensating factors. Reviewer Comment (2026-10-09): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. Buyer Comment (2026-10-07): Per [redacted]. Borrower intends to occupy Unit [redacted]. Per Operating Income Statement ([redacted]) Market rents for unit [redacted] are $[redacted] + Unit [redacted] (Using lower lease payment as reporting on Operating Income statement) $[redacted] = $[redacted] x [redacted]% = Rental income of $[redacted] Reviewer Comment (2026-10-07): Require proof to consider rental income of $[redacted] of [redacted] while operating income shows total rental of $[redacted]As considering $[redacted] will impact the DTI to [redacted]%. Buyer Comment (2026-10-05): Please note, the initial [redacted] was incorrect the property on [redacted] was inaccurately added and the mortgage showing on that property is not accurate. I had previously provided you with a copy of the mortgage for this property verifying it is not in the borrower's name (see trailing docs[redacted]). This property is owned by the business. The loan that is reflected on the initial [redacted] that you are stating is on the CBR is for the property located at [redacted] please refer to the Mortgage Statement in[redacted] which confirms that loan is not for the [redacted] property. Reviewer Comment (2026-09-29): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. Reviewer Comment (2026-09-29): [redacted] Is showing on CBR as a joint Mortgage unable to remove unless proof is provided that brw doesnt own the property. Buyer Comment (2026-09-28): Please look at the final [redacted], the property at [redacted] was removed, it's on the initial [redacted] only however once [redacted] discovered borrower doesn't own the property personally, it was removed. We used market rents for leasing the [redacted] & [redacted] units on [redacted] as the current leases are with the current owner, not our borrower. Reviewer Comment (2026-09-15): Please provide the final [redacted] excluding the REO property [redacted] also rental income of $[redacted] is considered of [redacted] while operating income shows total rental of $[redacted] Buyer Comment (2026-09-11): [redacted] is not personally owned and debt not in borrowers name see attached mortgage therefore it has been excluded from the borrowers REO and no debt included. It appears rental income for [redacted] units of the new proposed property at [redacted]. was not included. Please Rental income per Operating income statement on appraisal [redacted]. (borrower will occupy Vacant Unit #[redacted] and rent units [redacted] & [redacted]). Please also see Exception allowing DTI of [redacted]% |
10/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 226193967 | [Redacted] | [Redacted] | 37366007 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | HOA Verification, Insurance Verification, Statement, Tax Verification for [redacted] and [redacted] | Reviewer Comment (2026-10-09): Insurance verified for [redacted] and [redacted] is owned by business. Exception cleared. Buyer Comment (2026-10-07): Per [redacted]. Borrower intends to occupy Unit [redacted]. Per Operating Income Statement ([redacted]) Market rents for unit [redacted] are $[redacted] + Unit [redacted] (Using lower lease payment as reporting on Operating Income statement) $[redacted] = $[redacted] x [redacted]% = Rental income of $[redacted] Reviewer Comment (2026-10-07): Require proof to consider rental income of $[redacted] of [redacted] while operating income shows total rental of $[redacted]As considering $[redacted] will impact the DTI to [redacted]%. Buyer Comment (2026-10-05): Please note, the initial [redacted] was incorrect the property on [redacted] was inaccurately added and the mortgage showing on that property is not accurate. I had previously provided you with a copy of the mortgage for this property verifying it is not in the borrower's name (see trailing docs[redacted]). This property is owned by the business. The loan that is reflected on the initial [redacted] that you are stating is on the CBR is for the property located at [redacted]; please refer to the Mortgage Statement in[redacted] which confirms that loan is not for the [redacted] property. Reviewer Comment (2026-09-29): [redacted] Is showing on CBR as a joint Mortgage unable to remove unless proof is provided that brw doesnt own the property. Still missing insurance doc for [redacted] Reviewer Comment (2026-09-29): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Address: [redacted], Address: [redacted] Reviewer Comment (2026-09-29): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: HOA Verification, Insurance Verification, Statement, Tax Verification HOA Verification, Insurance Verification, Statement, Tax Verification Buyer Comment (2026-09-28): Please look at the final [redacted], the property at [redacted] was removed, it's on the initial [redacted] only however once [redacted] discovered borrower doesn't own the property personally, it was removed. We used market rents for leasing the [redacted] & [redacted] units on [redacted] as the current leases are with the current owner, not our borrower. Reviewer Comment (2026-09-15): Please provide the final [redacted] excluding the REO property [redacted] also rental income of $[redacted] is considered of [redacted] while operating income shows total rental of $[redacted] Buyer Comment (2026-09-11): [redacted] Proposed New purchase. See attached Loan Estimate. [redacted] is not personally owned and debt not in borrowers name see attached mortgage therefore it has been excluded from the borrowers REO and no debt included. [redacted] - this has a private mortgage found in [redacted] Note in [redacted], Tax Insurance and HOA can be verified on tax returns Sched E, also Insurance under a commercial policy found in [redacted], tax in [redacted], (Per Additional information to Tax returns Sched E there is no HOA.) |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 226194615 | [Redacted] | [Redacted] | 37365493 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-09-28): Hazard insurance policy already in file. Exception Cleared. Buyer Comment (2026-09-24): please see COI doc[redacted] page [redacted] and note that this is a reconstruction of a [redacted] plex property per RCE doc[redacted]. COI shows [redacted] as insurer (matches hoi policy doc[redacted]) and contains the property address [redacted] Reviewer Comment (2026-09-15): The provided document ID number is insufficient to verify the subject property's address. Please provide a Hazard Insurance Policy or Insurance Declarations Page that clearly reflects the subject property address. Exception Remains. Buyer Comment (2026-09-11): please see hoi policy doc[redacted] page [redacted]. corresponding documents[redacted] and[redacted] explain the difference of insured name for property. "Loc #[redacted] Bldg #[redacted]" referenced on all docs |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226194618 | [Redacted] | [Redacted] | 37377297 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI discrepancy is due to lender included debts that were paid off via the [redacted] originated for the departing residence. | Reviewer Comment (2026-09-11): As per requirement BID Tape data has been updated. Exception Cleared. Buyer Comment (2026-09-09): Updated [redacted]/[redacted] with DTI. Bid tape correction requested |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226194618 | [Redacted] | [Redacted] | 37377339 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI variance. | Reviewer Comment (2026-09-11): As per requirement BID Tape data has been updated. Exception Cleared. |
09/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226194618 | [Redacted] | [Redacted] | 37377340 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank [redacted]): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted]. | DTI discrepancy is due to lender included debts that were paid off via the [redacted] originated for the departing residence. | Reviewer Comment (2026-09-21): As per requirement BID Tape data has been updated, exception cleared. Buyer Comment (2026-09-17): Can we get some clarification on this condition? We provided the DTI correction and all the other conditions for DTI have been cleared |
09/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226194618 | [Redacted] | [Redacted] | 37377353 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | DTI discrepancy is due to lender included debts that were paid off via the [redacted] originated for the departing residence. | Reviewer Comment (2026-09-11): As per requirement BID Tape data has been updated. Exception Cleared. |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226194618 | [Redacted] | [Redacted] | 37381128 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Attorney Fee increased from $[redacted] on the initial Loan Estimate to $[redacted] on final Closing Disclosure. No valid Change of Circumstance or Lender Cure was found in the file. | Reviewer Comment (2026-09-17): [redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-09-16): PCCD with cure |
09/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226194618 | [Redacted] | [Redacted] | 37619700 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Reviewer Comment (2026-10-07): Updated [redacted] & [redacted] received. DTI Matched. BID tape date updated. Buyer Comment (2026-10-05): Bid Tape updated Reviewer Comment (2026-09-24): Updated [redacted] and [redacted] received. DTI matched. Please confirm once BID tape data gets updated. Buyer Comment (2026-09-23): Requested bid tape correction Buyer Comment (2026-09-23): Updated [redacted] and [redacted] |
10/07/2026 | No | 1 | A | A | A | A | A | MA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||||
| 226194618 | [Redacted] | [Redacted] | 37620703 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | The rate used for qualifying is as Note rate by the UW whereas this is an Interest Only loan so the fully amortized payment at the greater of the fully indexed or the note rate, to repay the loan over the remaining term after the I/O period has been used for the P&I calculation. | Reviewer Comment (2026-10-07): Updated [redacted] & [redacted] received. DTI Matched. BID tape date updated. Buyer Comment (2026-10-05): Bid Tape updated Reviewer Comment (2026-09-24): Updated [redacted] and [redacted] received. DTI matched. Please confirm once BID tape data gets updated. Buyer Comment (2026-09-23): See updated [redacted]/[redacted] , requested bid tape update |
10/07/2026 | No | 1 | A | A | A | A | A | MA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226194645 | [Redacted] | [Redacted] | 37387881 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to QM points and fees. | Reviewer Comment (2026-09-29): Guidelines requirement of [redacted] months met. |
09/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NV | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226194645 | [Redacted] | [Redacted] | 37387882 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - P&L Statement Only Guidelines Number of Months P&L Requirement not met | Ability to Repay (Dodd-Frank [redacted]): The number of months covered by the provided P&L Statement(s) was fewer than the number of months required by the guidelines. | As per the guidelines, one-year income documentation options are allowed with a minimum of [redacted] consecutive years of history verified. | Reviewer Comment (2026-09-29): Guidelines requirement of [redacted] months met. Buyer Comment (2026-09-28): The P&L is dated [redacted] through [redacted] of [redacted] , see second column . [redacted] months is [redacted] through [redacted] which is covered. The end date would be [redacted] not [redacted] Reviewer Comment (2026-09-17): If we consider the YTD from [redacted] to [redacted] that gets the end date to be more than [redacted] days from the Note date and for the current year the [redacted] months requirement is not being met so please provide P&L for [redacted] months or [redacted] months Within [redacted] days from note date, Exception remains. Buyer Comment (2026-09-16): The CPA letter confirms the business opened in [redacted] so we show the [redacted] year history. Guides do not call for [redacted] months of P&L, just that the business is open and operating for [redacted] or more years. Provided P&L is fine and meets guides Reviewer Comment (2026-09-11): Please provide [redacted] months P&L statement. Exception Remains. Buyer Comment (2026-09-09): [redacted] months plus YTD per guidelines. Business has been open and operating since [redacted] |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226194645 | [Redacted] | [Redacted] | 37387883 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | Waterfall due to QM points and fees. | Reviewer Comment (2026-09-29): Guidelines requirement of [redacted] months met. |
09/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226194645 | [Redacted] | [Redacted] | 37387992 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to QM points and fees. | Reviewer Comment (2026-09-29): Guidelines requirement of [redacted] months met. |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226196911 | [Redacted] | [Redacted] | 37376139 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final Closing statement is not signed. | Reviewer Comment (2026-09-30): Received signed Final Closing Statement. Exception cleared. Buyer Comment (2026-09-29): FSS |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226196911 | [Redacted] | [Redacted] | 37376142 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Prepayment Rider is not signed. | Reviewer Comment (2026-09-30): Received signed Prepayment Rider. Exception cleared. Buyer Comment (2026-09-29): Rider |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | NJ | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226197439 | [Redacted] | [Redacted] | 37388045 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure was not provided to Borrower(s) at least [redacted] business days prior to closing. | Reviewer Comment (2026-09-17): [redacted] received initial CD Buyer Comment (2026-09-16): ICD Reviewer Comment (2026-09-11): [redacted] received disclosure tracking summary for the initial CD sent and received by borrower on [redacted]. However, the [redacted] CD was not located in the loan file. Provide [redacted] initial CD for testing. Buyer Comment (2026-09-09): Disclosure Tracking |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226197439 | [Redacted] | [Redacted] | 37389488 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Documentation to verify a [redacted]-month housing history is not located in the file. | Reviewer Comment (2026-10-28): Borrower was only staying with family for [redacted] month until loan closed. Cleared. Reviewer Comment (2026-10-15): A rent free letter would be required from the property owner. Buyer Comment (2026-10-14): Borrower was staying with family/sister during loan process for purchase of subject Reviewer Comment (2026-10-01): A [redacted]-month history is required per guidelines. Their current lack of housing payment must be verified by Rent Free Letter, deed of ownership, and/or any other supporting documentation that can prove status. Buyer Comment (2026-09-29): The borrower closed the sale of her previous home on [redacted], she then closed this transaction for new new home on [redacted]. Those [redacted] days in between she stayed with her sister and paid no rent as she was already in contract to buy the subject. If she stayed in a motel, nothing would be required The previous mortgage on the credit report best fits the guideline being applied. Please escalate as we have met the guideline. Reviewer Comment (2026-09-11): The credit report reflects mortgage history to [redacted]/[redacted]. A [redacted]-month history is required per guidelines. Their current lack of housing payment must be verified by rent free letter, deed of ownership, and/or any other supporting documentation that can prove status. Buyer Comment (2026-09-09): See item [redacted] on credit report , borrower had mortgage since [redacted] and the property was sold |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226197624 | [Redacted] | [Redacted] | 37390704 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy and exceeding guideline requirement of [redacted]. | Reviewer Comment (2026-09-30): Requirements met for excluding Departing residence TIA, enough reserves available, exception cleared Buyer Comment (2026-09-29): please see guides sec [redacted] last bullet point sentence states "if the property is owned free and clear, no valuation is necessary and [redacted] months TIA of the subject is required"... verified [redacted] months of reserves meets this requirement and borrower has [redacted]% equity as the property is owned and clear, so there is no equity requirement. in addition, listing printout shows the house listed for $[redacted] which would be considered as estimated equity in the house (once closing costs are subtracted) Reviewer Comment (2026-09-28): please provide Appraisal/AVM and listing agreement of departure residence ""[redacted]"" as these documents are not available in file, Exception Remains. Buyer Comment (2026-09-25): per guidelines section [redacted], appraisal or AVM is required to document equity after deduction of liens. this property is owned free and clear and does not have a lien. listing agreement and copy of realtor listed of property satisfies guideline requirements. Reviewer Comment (2026-09-24): Require Appraisal document, final closing disclosure, list letter/listing agreement of departure residence property to suffice the DTI discrepancy. Exception Remains. Buyer Comment (2026-09-22): please see attached departure docs. no current mortgage |
09/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226197624 | [Redacted] | [Redacted] | 37390748 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI discrepancy due to adding departing residence expenses to DTI calculations. Intent to List letter / Listing agreement as well as appraisal reflecting [redacted]% equity is missing in file; hence, expenses added to DTI calculations. | Reviewer Comment (2026-09-30): Requirements met for excluding Departing residence TIA, enough reserves available, exception cleared Buyer Comment (2026-09-29): please see guides sec [redacted] last bullet point sentence states "if the property is owned free and clear, no valuation is necessary and [redacted] months TIA of the subject is required"... verified [redacted] months of reserves meets this requirement and borrower has [redacted]% equity as the property is owned and clear, so there is no equity requirement. in addition, listing printout shows the house listed for $[redacted] which would be considered as estimated equity in the house (once closing costs are subtracted) Reviewer Comment (2026-09-28): please provide Appraisal/AVM and listing agreement of departure residence ""[redacted]"" as these documents are not available in file, Exception Remains. Buyer Comment (2026-09-25): per guidelines section [redacted], appraisal or AVM is required to document equity after deduction of liens. this property is owned free and clear and does not have a lien. listing agreement and copy of realtor listed of property satisfies guideline requirements. Reviewer Comment (2026-09-24): Require Appraisal document, final closing disclosure, list letter/listing agreement of departure residence property to suffice the DTI discrepancy. Exception Remains. Buyer Comment (2026-09-22): please see attached departure docs. no current mortgage |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226197624 | [Redacted] | [Redacted] | 37390789 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI discrepancy due to adding departing residence expenses to DTI calculations. Intent to List letter / Listing agreement as well as appraisal reflecting [redacted]% equity is missing in file; hence, expenses added to DTI calculations. | Reviewer Comment (2026-09-30): Requirements met for excluding Departing residence TIA, enough reserves available, exception cleared Buyer Comment (2026-09-29): please see guides sec [redacted] last bullet point sentence states "if the property is owned free and clear, no valuation is necessary and [redacted] months TIA of the subject is required"... verified [redacted] months of reserves meets this requirement and borrower has [redacted]% equity as the property is owned and clear, so there is no equity requirement. in addition, listing printout shows the house listed for $[redacted] which would be considered as estimated equity in the house (once closing costs are subtracted) Reviewer Comment (2026-09-28): please provide Appraisal/AVM and listing agreement of departure residence ""[redacted]"" as these documents are not available in file, Exception Remains. Buyer Comment (2026-09-25): per guidelines section [redacted], appraisal or AVM is required to document equity after deduction of liens. this property is owned free and clear and does not have a lien. listing agreement and copy of realtor listed of property satisfies guideline requirements. Reviewer Comment (2026-09-24): Require Appraisal document, final closing disclosure, list letter/listing agreement of departure residence property to suffice the DTI discrepancy. Exception Remains. Buyer Comment (2026-09-22): please see attached departure docs. no current mortgage |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226197624 | [Redacted] | [Redacted] | 37390808 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components, which could impact the borrower's ability to repay. | Reviewer Comment (2026-09-30): Requirements met for excluding Departing residence TIA, enough reserves available, exception cleared Buyer Comment (2026-09-29): please see guides sec [redacted] last bullet point sentence states "if the property is owned free and clear, no valuation is necessary and [redacted] months TIA of the subject is required"... verified [redacted] months of reserves meets this requirement and borrower has [redacted]% equity as the property is owned and clear, so there is no equity requirement. in addition, listing printout shows the house listed for $[redacted] which would be considered as estimated equity in the house (once closing costs are subtracted) Reviewer Comment (2026-09-28): please provide Appraisal/AVM and listing agreement of departure residence ""[redacted]"" as these documents are not available in file, Exception Remains. Buyer Comment (2026-09-25): per guidelines section [redacted], appraisal or AVM is required to document equity after deduction of liens. this property is owned free and clear and does not have a lien. listing agreement and copy of realtor listed of property satisfies guideline requirements. Reviewer Comment (2026-09-24): Require Appraisal document, final closing disclosure, list letter/listing agreement of departure residence property to suffice the DTI discrepancy. Exception Remains. Buyer Comment (2026-09-22): please see attached departure docs. no current mortgage |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226197624 | [Redacted] | [Redacted] | 37390824 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI discrepancy due to adding departing residence expenses to DTI calculations. Intent to List letter / Listing agreement as well as appraisal reflecting [redacted]% equity is missing in file; hence, expenses added to DTI calculations. | Reviewer Comment (2026-09-30): Requirements met for excluding Departing residence TIA, enough reserves available, exception cleared Buyer Comment (2026-09-29): please see guides sec [redacted] last bullet point sentence states "if the property is owned free and clear, no valuation is necessary and [redacted] months TIA of the subject is required"... verified [redacted] months of reserves meets this requirement and borrower has [redacted]% equity as the property is owned and clear, so there is no equity requirement. in addition, listing printout shows the house listed for $[redacted] which would be considered as estimated equity in the house (once closing costs are subtracted) Reviewer Comment (2026-09-28): please provide Appraisal/AVM and listing agreement of departure residence ""[redacted]"" as these documents are not available in file, Exception Remains. Buyer Comment (2026-09-25): per guidelines section [redacted], appraisal or AVM is required to document equity after deduction of liens. this property is owned free and clear and does not have a lien. listing agreement and copy of realtor listed of property satisfies guideline requirements. Reviewer Comment (2026-09-24): Require Appraisal document, final closing disclosure, list letter/listing agreement of departure residence property to suffice the DTI discrepancy. Exception Remains. Buyer Comment (2026-09-22): please see attached departure docs. no current mortgage |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226197624 | [Redacted] | [Redacted] | 37399158 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Insurance document | Reviewer Comment (2026-09-28): Available DOC ID [redacted] confirm the HOI monthly amount of $[redacted] for REO property "[redacted]", information validated. Exception Cleared. Buyer Comment (2026-09-25): the $[redacted] is the monthly hoi payment for the mobile home, doc [redacted] Reviewer Comment (2026-09-24): Require Documentation of remaining expense $[redacted] of REO property "[redacted]". Exception Remains. Buyer Comment (2026-09-22): please see attached [redacted] tax cert, as i did not see it previously uploaded Buyer Comment (2026-09-22): please see attached [redacted] hoi and hoa docs |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226197624 | [Redacted] | [Redacted] | 37625241 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-23): Sufficient Cure Provided At Closing |
09/23/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226197982 | [Redacted] | [Redacted] | 37394079 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing bank statement [redacted] for account #[redacted]. | Reviewer Comment (2026-09-17): Received [redacted] bank statement. Exception cleared. Buyer Comment (2026-09-15): Please see attached. |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226197982 | [Redacted] | [Redacted] | 37394085 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing bank statement [redacted] or [redacted] for account ending in #[redacted]. | Reviewer Comment (2026-09-17): Received [redacted] bank statement. Exception cleared. Buyer Comment (2026-09-15): Waterfall |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226197982 | [Redacted] | [Redacted] | 37394139 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Closing Disclosure issued on [redacted] is signed by borrower on [redacted]. | Reviewer Comment (2026-10-01): Received lender attestation. Condition cleared. Buyer Comment (2026-09-24): Please see attached. Reviewer Comment (2026-09-16): The CD in question is the [redacted] CD, see doc ID [redacted], which reflects an [redacted] Date Issued, but the wet sign date was prior to on [redacted]. Date stamp on bottom of CD shows [redacted] @ [redacted] but borrower signed before this date on [redacted]. Lender attestation to clarify the discrepancy. Buyer Comment (2026-09-15): Please see [redacted] CD to clear condition. |
10/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226197982 | [Redacted] | [Redacted] | 37394147 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Missing bank statement [redacted] or [redacted] for account ending in #[redacted]. | Reviewer Comment (2026-09-17): Received [redacted] bank statement. Exception cleared. Buyer Comment (2026-09-15): Waterfall |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226197982 | [Redacted] | [Redacted] | 37394222 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing bank statement [redacted] or [redacted] for account ending in #[redacted]. | Reviewer Comment (2026-09-17): Received [redacted] bank statement. Exception cleared. Buyer Comment (2026-09-15): Waterfall |
09/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226197982 | [Redacted] | [Redacted] | 37394223 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank [redacted]): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | Waterfall due to missing bank statement [redacted] or [redacted] for account ending in #[redacted]. | Reviewer Comment (2026-09-17): Received [redacted] bank statement. Exception cleared. Buyer Comment (2026-09-15): Waterfall |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226197982 | [Redacted] | [Redacted] | 37394224 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing bank statement [redacted] or [redacted] for account ending in #[redacted]. | Reviewer Comment (2026-09-17): Received [redacted] bank statement. Exception cleared. Buyer Comment (2026-09-15): Waterfall |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226197982 | [Redacted] | [Redacted] | 37394226 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing bank statement [redacted] or [redacted] for account ending in #[redacted]. | Reviewer Comment (2026-09-17): Received [redacted] bank statement. Exception cleared. Buyer Comment (2026-09-15): Waterfall |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226197982 | [Redacted] | [Redacted] | 37394227 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing bank statement [redacted] or [redacted] for account ending in #[redacted]. | Reviewer Comment (2026-09-17): Received [redacted] bank statement. Exception cleared. |
09/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226197982 | [Redacted] | [Redacted] | 37394228 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. | Closing Disclosure issued [redacted]: Estimated Escrow $[redacted] does not match Initial Escrow Disclosure amount $[redacted] | Reviewer Comment (2026-09-16): Corrected CD provided prior to reporting Buyer Comment (2026-09-15): Please see final CD to clear condition. |
09/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226197982 | [Redacted] | [Redacted] | 37394229 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Closing Disclosure issued [redacted]: Monthly Escrow $[redacted] does not match Initial Escrow Disclosure amount $[redacted] | Reviewer Comment (2026-09-16): Corrected CD provided prior to reporting Buyer Comment (2026-09-15): Waterfall |
09/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226198231 | [Redacted] | [Redacted] | 37394456 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Total amount of $[redacted] exceeds tolerance of $[redacted] No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-09-29): [redacted] received PCCD and LOE Buyer Comment (2026-09-25): clerical pccd with proof sent to bwr upld Reviewer Comment (2026-09-25): [redacted] received LOX for rebuttal response and copy of system snip for the title fees were shopped by borrower. If the fees are an appears borrower shopped for title fees, then provide corrected CD moving the title fees to Section C from B and LOE to borrower required to cure. Buyer Comment (2026-09-23): rebuttal upld Reviewer Comment (2026-09-09): [redacted]: Provided [redacted] COC indicates reason for the changes was "Settlement charges & Rate locked". However, this does not sufficiently explain the addition of the Endorsement Fee ($[redacted]), Courier Fee ($[redacted]), Electronic Document Delivery Fee ($[redacted]), Tax Certificate Fee ($[redacted]), and Wire Fee ($[redacted]) on the revised LE dated [redacted] and recording fee increase of $[redacted] from $[redacted] Please provide supporting documentation or a detailed explanation on reason for the fees were added and increase or Cure is required to borrower. Buyer Comment (2026-09-08): please clear, the coc is valid and doesn't need to reflect a detailed reason, the fees were re-baselined. Reviewer Comment (2026-09-08): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the title fees were increased. In order to determine if the changed circumstance is valid more information is necessary on reason title fees were increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-09-04): the valid coc is on [redacted] Reviewer Comment (2026-09-04): [redacted]: The Total of [redacted]% Tolerance fee on LE is $[redacted] + [redacted]% ($[redacted]) = $[redacted] whereas on Final CD disclosed total of [redacted]% tolerance is $[redacted] Hence, the fees are exceeding over [redacted]% tolerance of $[redacted] (ILE $[redacted] - $[redacted] FCD). Provide valid COC for the fees are added on revised LE or Provide refund cure of $[redacted] with cure documents to clear this exception. Buyer Comment (2026-09-03): please cancel, fees were re-baselined on the [redacted] le. |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226198478 | [Redacted] | [Redacted] | 37408750 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] | Reviewer Comment (2026-09-17): [redacted] received additional clarification on reimbursement fee in section H Buyer Comment (2026-09-16): The $[redacted] Reimbursement Fee (listed as Payoff Statement Fee in portal) is an HOA Association fee and is a Non APR fee and should be removed from calculation. See escrow confirmation |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226198478 | [Redacted] | [Redacted] | 37408752 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-09-11): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-09-10): See [redacted] page [redacted] for final CD, the cure is at the bottom of page [redacted] |
09/11/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226198478 | [Redacted] | [Redacted] | 37408753 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Guaranty Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-29): PCCD with cure, sent out today |
10/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226213984 | [Redacted] | [Redacted] | 37424742 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing third party verification. | Reviewer Comment (2026-10-12): Loan is Non-QM. Buyer Comment (2026-10-08): preclose verification was completed via [redacted] year [redacted] tax returns Sch C utilizing method [redacted] income calculation per guides, income worksheet doc[redacted].. at uw discretion, printout from business website doc[redacted] pulled on [redacted] showing business name is borrower's name and named borrower as "the founder" on[redacted] page [redacted] as proof of [redacted]% ownership. Reviewer Comment (2026-10-08): Received lender exception for post closing third party verification, however, Under [redacted] and [redacted] (ii), the ATR rule requires that borrower's employment status is verified at or prior to consummation. A post VVOE would not meet this requirement. Please note that for Non-QM loans, even if the guidelines allow for post-close verification, this would not meet ATR requirements to verify at or prior to closing and would result in an ATR Fail. While Fannie Guides, for example, allow for VVOE after closing, but before loan delivery, this is only for meeting Fannie delivery requirements. That timing requirement does not supersede the ATR Rule that requires employment status verification on Non-QMs to be verified at or prior to consummation. Did the lender rely on alternate pre-closing documentation to verify this employment status? If they can document that they relied on alternate pre-closing documentation to verify employment, we can get to NonQM status. Buyer Comment (2026-10-06): please see attached lender exception for post close business license Reviewer Comment (2026-10-01): Provided business search is post note date, require verification within [redacted]days prior to the note date. Buyer Comment (2026-09-29): waterfall to below condition cleared with business search. please clear condition |
10/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226213984 | [Redacted] | [Redacted] | 37424743 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current [redacted] status using reasonably reliable third-party records. | Third Party Verification is missing [redacted]g with signed tax returns. | Reviewer Comment (2026-10-16): "Other third party documentation" for employment history in guidelines met with business printout and tax returns. Reviewer Comment (2026-10-15): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-10-14): please clarify if anything else is needed as restip comments entered on [redacted] appear to validate condition terms have been met with proof provided of [redacted]% owership. Reviewer Comment (2026-10-12): Regraded to EV2-B based on lender performing preclose verification via [redacted]-year [redacted] tax returns and, at underwriter discretion, printout from business website doc[redacted] pulled on [redacted] (preclose) showing business name is borrower's name and named borrower as "the founder" on[redacted] page [redacted] as proof of [redacted]% ownership. Reviewer Comment (2026-09-28): Received State [redacted] Buyer Comment (2026-09-25): please see attached printout from [redacted] Sec of State [redacted] Reviewer Comment (2026-09-24): Third party verification, Business license or entity, CPA letter if required for borrower and co-borrower's self-employment income. Can not consider google search for business existence. Exception remains. Buyer Comment (2026-09-22): please see attached B1 business docs and signed tax return pages |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226213984 | [Redacted] | [Redacted] | 37424747 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, nor cure provided at closing. | Reviewer Comment (2026-10-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Buyer Comment (2026-09-29): please see attached lox, pccd and check. (cond updated to $[redacted] cure) Reviewer Comment (2026-09-24): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. ([redacted]) Reviewer Comment (2026-09-23): [redacted] received LOX stating about the Appraisal re-inspection fee added on LE dated [redacted] whereas the fee increased on CD dated [redacted] for $[redacted] from $[redacted] Kindly provide a valid COC as to why the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-09-22): please see attached investor memo regarding added appraisal reinspection fee |
10/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226214170 | [Redacted] | [Redacted] | 37436667 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Insufficient funds for reserves, additional assets were required to fulfill the reserve requirement. | Reviewer Comment (2026-10-02): Received Bank Statement with currency converter for account # [redacted]. Exception Cleared. Buyer Comment (2026-09-30): bank docs Reviewer Comment (2026-09-16): Provide bank statement with currency convertor for amount $[redacted] Exception remains. Buyer Comment (2026-09-14): [redacted] Reviewer Comment (2026-09-14): Per statement acc #[redacted] balance of [redacted] which is $[redacted] as of [redacted] was updated after accounting for the wire transfer deduction. Statement provided for acc #[redacted] as of [redacted] shows balance of [redacted] with currency converter $[redacted] which differs from [redacted] that reflects $[redacted] Exception remains Buyer Comment (2026-09-10): Email from branch with additional documents Reviewer Comment (2026-09-09): Received the same Closing Statement. The calculations are as follows: Cash required from the borrower: $[redacted] + EMD $[redacted] = Total cash required: $[redacted] Additionally, the received bank statements are old. Required additional assets. Exception Remains. Buyer Comment (2026-09-04): see attached the final settlement statement which has cash to close of [redacted] and the assets and [redacted] & [redacted] |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226214170 | [Redacted] | [Redacted] | 37447723 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Borrower has insufficient assets to cover the funds to close and the required reserves. | Reviewer Comment (2026-10-02): Received Bank Statement with currency converter for account # [redacted]. Exception Cleared. Buyer Comment (2026-09-30): see uploaded Reviewer Comment (2026-09-16): Provide bank statement with currency convertor for amount $[redacted] Exception remains. Buyer Comment (2026-09-14): see uploaded Reviewer Comment (2026-09-14): Per statement acc #[redacted] balance of [redacted] which is $[redacted] as of [redacted] was updated after accounting for the wire transfer deduction. Statement provided for acc #[redacted] as of [redacted] shows balance of [redacted] with currency converter $[redacted] which differs from [redacted] that reflects $[redacted] Exception remains Buyer Comment (2026-09-10): see uploaded Reviewer Comment (2026-09-09): Received the same Closing Statement. Additionally, the received bank statements are old. Required additional assets. Exception Remains. Buyer Comment (2026-09-04): see uploaded |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226214179 | [Redacted] | [Redacted] | 37431946 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Insurance Verification was not provided in file. | Reviewer Comment (2026-10-30): Received lender attestation. Buyer Comment (2026-10-27): Please see attached. Reviewer Comment (2026-10-14): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Address: [redacted] Reviewer Comment (2026-10-14): LOE doesn't address [redacted] parking lots can still have insurance Buyer Comment (2026-10-09): Please see attached cd |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226214179 | [Redacted] | [Redacted] | 37432070 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not provided in file. | Reviewer Comment (2026-09-18): Received E-sign Consent document. Exception cleared. Buyer Comment (2026-09-16): Please see attached. |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226214179 | [Redacted] | [Redacted] | 37432104 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification was not provided in file. | Reviewer Comment (2026-10-30): Cleared. Received LOE Buyer Comment (2026-10-27): Please see attached. Reviewer Comment (2026-10-14): LOE doesn't address [redacted] parking lots can still have insurance Buyer Comment (2026-10-09): Per confirmation received from the branch, the properties located at [redacted] and [redacted] are parcels incorporated into one commercial property located at [redacted]. One of the parcels consists solely of a parking lot. The borrower has provided a Letter of Explanation confirming this information, which has been uploaded for review. Please review the supporting documentation and clear the condition. |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226222039 | [Redacted] | [Redacted] | 37446606 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval. | - | Appraisal report occupancy states "Owner" and approval states non-owner occupied. | Reviewer Comment (2026-10-08): Received corrected appraisal. Cleared. Buyer Comment (2026-09-25): Please see attached. Reviewer Comment (2026-09-18): Loan purpose is Refinance and appraisal report is reflecting occupancy "owner". appraisal report with correct occupancy is required. Exception Remains. Buyer Comment (2026-09-16): The appraisal correctly reflects the borrower as the owner of the subject property. The property is being purchased and financed as an investment/non-owner-occupied property; however, the borrower is still the legal owner of the property. The appraisal's reference to "Owner" reflects ownership and does not indicate that the property is the borrower's primary residence or owner-occupied. Therefore, there is no discrepancy with the approved occupancy of non-owner occupied/investment property. Please clear this condition. |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| 226222039 | [Redacted] | [Redacted] | 37447330 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | The [redacted] indicates there is an approved lender exception. The lender exception form, approval and compensating factors was not located in the file. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] # of Properties Completed: [redacted] # of Projects (last [redacted] months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-18): Lender Exception with Compensating Factors provided. Buyer Comment (2026-09-16): Please see attached. |
09/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||
| 226222039 | [Redacted] | [Redacted] | 37447373 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | File is missing the most recent [redacted] month mortgage payment history for the subject property. | Reviewer Comment (2026-09-18): Document provided Doc #[redacted] Buyer Comment (2026-09-16): Please see attached. |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226222972 | [Redacted] | [Redacted] | 37446463 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Hazard Insurance was not found in file for [redacted]. | Reviewer Comment (2026-09-16): Property is free and clear hence insurance not required. Exception cleared. Buyer Comment (2026-09-14): Property is free and clear and has no insurance |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226222972 | [Redacted] | [Redacted] | 37446467 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Reviewer Comment (2026-09-15): [redacted] received earliest e-consent. Buyer Comment (2026-09-14): eConsent and disclosure tracking |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226222972 | [Redacted] | [Redacted] | 37447707 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | ADV Report reflects error in SSN due to name/SSN mismatch. Please provide updated ADV Report with valid Search Report for guarantor. | Reviewer Comment (2026-10-05): Provided SSA-[redacted] and Social Security Card to verify SSN. Exception cleared. Buyer Comment (2026-10-01): See[redacted] page [redacted] for SSA card which clear alert |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226222975 | [Redacted] | [Redacted] | 37452651 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Hazard Insurance Policy Mortgagee Clause did not reflect Lender's ISAOA. | Reviewer Comment (2026-09-28): Received updated with Mortgagee Clause corrected. Buyer Comment (2026-09-25): please see attached revised hoi with ISAOA added to mortgagee clause Reviewer Comment (2026-09-15): Please provide the updated declaration page including ISAOA. Buyer Comment (2026-09-11): please see hoi endorsement letter doc[redacted] updating mortgagee clause to include ISAOA |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226222975 | [Redacted] | [Redacted] | 37452673 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance was exceeded. Total amount of $[redacted] exceeded tolerance of $[redacted] plus [redacted]% or $[redacted] with no change of circumstances, but a cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-09-03): Sufficient Cure Provided At Closing |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226222975 | [Redacted] | [Redacted] | 37452674 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance was exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeded tolerance of $[redacted] with no change of circumstances, but a cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-09-03): Sufficient Cure Provided At Closing |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226223011 | [Redacted] | [Redacted] | 37452566 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | The file is missing a copy of the Hazard Insurance Policy. | Reviewer Comment (2026-09-11): Received Hazard Insurance Policy is verified and associated, exception cleared. Buyer Comment (2026-09-09): hoi/rce upld |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226223011 | [Redacted] | [Redacted] | 37452581 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. | The file is missing a copy of the Seller Closing Disclosure. | Reviewer Comment (2026-10-06): [redacted] received Final SS, Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-10-05): pccd docs with proof of shipping to bwr and final ss upld |
10/06/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226223011 | [Redacted] | [Redacted] | 37452582 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Reviewer Comment (2026-09-11): [redacted] received initial CD. Buyer Comment (2026-09-09): initial cd/trk upld |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 226223013 | [Redacted] | [Redacted] | 37450642 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to most recent signed, dated 1040s missing in file causing loan designation discrepancy. | Reviewer Comment (2026-10-14): Signed/dated1040 provided in loan images Buyer Comment (2026-10-13): Please see attached |
10/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226223013 | [Redacted] | [Redacted] | 37450643 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank [redacted]): Unable to verify [redacted] income using reasonably reliable third-party records. | Waterfall due to most recent signed, dated 1040s missing in file . | Reviewer Comment (2026-10-14): Signed/dated1040 provided in loan images Buyer Comment (2026-10-13): Waterfall |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226223013 | [Redacted] | [Redacted] | 37450644 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | Waterfall due to most recent signed, dated 1040s missing in file. | Reviewer Comment (2026-10-14): Signed/dated1040 provided in loan images |
10/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226223013 | [Redacted] | [Redacted] | 37450645 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Disclosed Finance Charges are $[redacted] Due Diligence Finance Charges are $[redacted] There is a variance of $[redacted] | Reviewer Comment (2026-10-14): [redacted] received lender attestation that title-tax cert is one time and not life of loan service Buyer Comment (2026-10-13): Please see attached Buyer Comment (2026-10-13): Waterfall |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226223151 | [Redacted] | [Redacted] | 37436513 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date [redacted], Disbursement Date: [redacted]. Kindly provide the Hazard Insurance Document with the correct effective date. | Reviewer Comment (2026-09-30): Received hazard insurance effective date letter from the insurance company. Exception Cleared. Buyer Comment (2026-09-29): Insurance company could not back date the policy however they did provide a no loss letter for the period between [redacted] - [redacted]. Please see attached. |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226223593 | [Redacted] | [Redacted] | 37451371 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Borrower is currently residing in a rental property and has provided a fully executed Lease Agreement. Missing evidence of [redacted] consecutive months of canceled rent checks (front and back) or alternative proof of housing payments, such as [redacted]/[redacted] transaction history, Bank Statements reflecting rent payments, or equivalent third-party payment records. | Reviewer Comment (2026-09-25): Received clarification/approval/documentation from lender. Condition cleared. Reviewer Comment (2026-09-25): Required proof of payment/receipt showing rent paid in full for the complete rental season, Exception remains. Buyer Comment (2026-09-24): please see email chain doc[redacted] pages [redacted] - [redacted] from rental agency confirming receipt of rental season. it was the email when agreement doc [redacted] was sent with the "paid" verbiage. please note the name [redacted] acknowledging the "paid" on the agreement is the same person the email chain is with. Reviewer Comment (2026-09-15): As per reference DOC ID [redacted] require payment receipt/proof of payment showing paid in full for complete rental season to clear the exception. Exception Remains. Buyer Comment (2026-09-11): please note agreement doc [redacted] was effective [redacted] and showing paid in full for rental season. |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226223593 | [Redacted] | [Redacted] | 37451391 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee amount of $[redacted] exceeds tolerance of $[redacted] Sufficient cure was provided to the borrower at closing. | Reviewer Comment (2026-09-03): Sufficient Cure Provided At Closing |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226223629 | [Redacted] | [Redacted] | 37453429 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer tax fee amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. No cure was provided to the borrower. | Reviewer Comment (2026-10-05): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-02): PCCD with cure, sent out today Reviewer Comment (2026-09-16): [redacted] received rebuttal comment. However, the fees are updated based on the confirmation from escrow is not a valid changed circumstance in order for a fee to be re-baselined. When a lender issues a revised LE or CD reflecting an increase in fee(s) subject to tolerance, sufficient COC documentation is required to re-baseline fee amounts. The regulation provides that "the creditor must be able to show compliance with § [redacted](e) by documenting the original estimate of the cost at issue, explaining the reason for revision and how it affected settlement costs, showing that the corrected disclosure increased the estimate only to the extent that the reason for revision actually increased the cost, and showing that the timing requirements of § [redacted](e)([redacted]) were satisfied. COC or Cure required to complete the remediation. Buyer Comment (2026-09-14): ICD updated fees based on confirmation from escrow after loan amount change on previous RLE |
10/05/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226223629 | [Redacted] | [Redacted] | 37453501 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Provide Mortgage Statement for the property [redacted]. | Reviewer Comment (2026-09-16): Received mortgage statement. Exception cleared. Buyer Comment (2026-09-14): Statement |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226223629 | [Redacted] | [Redacted] | 37453503 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Provide Mortgage Statement for the property [redacted]. | Reviewer Comment (2026-09-16): P&I escrowed with tax and insurance verified from credit report. Exception cleared. Buyer Comment (2026-09-15): See item #[redacted] agent notes for mortgage in question |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226223733 | [Redacted] | [Redacted] | 37451875 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Disclosed Finance Charges are $[redacted] Due Diligence Finance Charges are $[redacted] There is a variance of $[redacted] | Reviewer Comment (2026-09-25): [redacted] received lender attestation on title-tax cert is a one time fee Buyer Comment (2026-09-24): "Title-Tax Certification Fee" of $[redacted] is a one time only fee and shouldn't be included in the APR fee. See escrow confirmation |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226223733 | [Redacted] | [Redacted] | 37451876 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-03): Sufficient Cure Provided At Closing |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226223733 | [Redacted] | [Redacted] | 37451877 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | H-8 format of Right to Cancel was used instead of H-9 format; the mortgage being paid off was originated by the same creditor. | Reviewer Comment (2026-10-16): Received letter to borrower, new RTC and evidence of borrower's receipt. Cured. Buyer Comment (2026-10-15): Letter was in original submission as it was attached to the new RTC Reviewer Comment (2026-10-14): Received RTC and evidence of borrower's receipt, however a letter to the borrower explaining the issue that went to the borrower with the documents was not located. Once received, compliance will review and determine compliance. Buyer Comment (2026-10-07): New RTC and proof of receipt Reviewer Comment (2026-09-16): This exception is for incorrect format of Right to Cancel. As per title, the loan being paid off was originated by [redacted] only. H-9 format should have been used, but H-8 format was used. Buyer Comment (2026-09-14): "Title-Tax Certification Fee" of $[redacted] is a one time only fee and shouldn't be included in the APR fee. See escrow confirmation |
10/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226223922 | [Redacted] | [Redacted] | 37453454 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification(s) of Employment is missing. | Reviewer Comment (2026-10-30): Provided employer's written confirmation of future compensation and continued employment within [redacted] business days prior to the note date. Exception cleared. Buyer Comment (2026-10-28): Please review the attached employer letter dated [redacted], issued by [redacted] The letter confirms that borrower [redacted] is expected to receive approximately $[redacted] in bonus compensation for [redacted], with the remaining bonus scheduled for payment in [redacted]. As this correspondence was issued directly by the employer and confirms anticipated future compensation under the company's regular bonus schedule, it provides supporting evidence of the borrower's ongoing employment relationship as of [redacted]. Based on the employer's written confirmation of future compensation, we respectfully request reconsideration and clearance of this condition. |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226223922 | [Redacted] | [Redacted] | 37453498 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verification(s) of Employment is missing. | Reviewer Comment (2026-10-30): Provided employer's written confirmation of future compensation and continued employment within [redacted] business days prior to the note date. Exception cleared. Buyer Comment (2026-10-28): Waterfall |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226223922 | [Redacted] | [Redacted] | 37453518 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to Verification(s) of Employment is missing. | Reviewer Comment (2026-10-30): Provided employer's written confirmation of future compensation and continued employment within [redacted] business days prior to the note date. Exception cleared. Buyer Comment (2026-10-28): Waterfall |
10/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226223922 | [Redacted] | [Redacted] | 37453519 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to Verification(s) of Employment is missing. | Reviewer Comment (2026-10-30): Provided employer's written confirmation of future compensation and continued employment within [redacted] business days prior to the note date. Exception cleared. Buyer Comment (2026-10-28): Waterfall |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226223922 | [Redacted] | [Redacted] | 37453520 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to Verification(s) of Employment is missing. | Reviewer Comment (2026-10-30): Provided employer's written confirmation of future compensation and continued employment within [redacted] business days prior to the note date. Exception cleared. Buyer Comment (2026-10-28): Waterfall |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226223922 | [Redacted] | [Redacted] | 37453523 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | File does not contain a valid Change of Circumstance for this fee. | Reviewer Comment (2026-09-03): Sufficient Cure Provided At Closing |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226223922 | [Redacted] | [Redacted] | 37453525 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | File does not contain a valid Change of Circumstance for this fee. | Reviewer Comment (2026-09-03): Sufficient Cure Provided At Closing |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226223922 | [Redacted] | [Redacted] | 37453578 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Waterfall due to Verification(s) of Employment was not found in file. | Reviewer Comment (2026-10-30): Provided employer's written confirmation of future compensation and continued employment within [redacted] business days prior to the note date. Exception cleared. Buyer Comment (2026-10-28): Waterfall |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226230953 | [Redacted] | [Redacted] | 37470067 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Appraisal Report dated [redacted] missing evidence of receipt. | Reviewer Comment (2026-09-22): Received proof of appraisal delivery. Exception Cleared. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226230953 | [Redacted] | [Redacted] | 37470068 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal Report dated [redacted] missing evidence of receipt. | Reviewer Comment (2026-09-22): Received proof of appraisal delivery. Exception Cleared. Buyer Comment (2026-09-21): Proof of receipt |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226230953 | [Redacted] | [Redacted] | 37470125 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient by $[redacted] Please provide Hazard Insurance with extended replacement cost or Replacement Cost Estimator Document. | Reviewer Comment (2026-10-21): Replacement Cost Estimator updated, Exception Cleared. Buyer Comment (2026-10-20): [redacted]% replacement cost Reviewer Comment (2026-10-02): Insurance provider gave confirmation on option ID [redacted]% replacement cost which was already included. Exception remains. Buyer Comment (2026-09-30): Confirmation from the insurance provider of [redacted]% replacement cost is allowed and addresses this condition. Please escalate as an RCE is not required if we have confirmation Reviewer Comment (2026-09-22): Require Replacement cost estimator document. Exception Remains. Buyer Comment (2026-09-21): RCE |
10/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226230965 | [Redacted] | [Redacted] | 37470947 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-09-15): E-sign consent document associated. Exception Cleared. Buyer Comment (2026-09-14): e-consent |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226230965 | [Redacted] | [Redacted] | 37471004 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial [redacted] | Reviewer Comment (2026-09-15): Received Initial [redacted] document. Exception Cleared. Buyer Comment (2026-09-14): [redacted] |
09/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226230965 | [Redacted] | [Redacted] | 37471012 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. | Seller Closing Disclosure missing in loan file. | Reviewer Comment (2026-09-23): [redacted] received seller CD and rebuttal suffice Buyer Comment (2026-09-21): This is signed by the seller. Please provide the regulation or guideline that states what we need a true & certified copy of final combined/seller settlement statement to re-evaluate the exception. Reviewer Comment (2026-09-15): [redacted] received seller CD, however we also require true & certified copy of final combined/seller settlement statement to re-evaluate the exception. Buyer Comment (2026-09-14): Sellers CD |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226230965 | [Redacted] | [Redacted] | 37471013 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file | Reviewer Comment (2026-09-28): [redacted] received Valid COC dated [redacted] [redacted]g with supporting LOE for rush fee. Buyer Comment (2026-09-24): TRID Reviewer Comment (2026-09-15): [redacted] received COC and LOE, however upon receipt of invoice fee was increased is not valid reason for increase of fee. Please provide additional information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-09-14): TRID |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226231076 | [Redacted] | [Redacted] | 37472286 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-09-21): [redacted] received Valid lock dated [redacted] showing lock extended. Buyer Comment (2026-09-17): Lock expired and extension added |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 226231076 | [Redacted] | [Redacted] | 37472287 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-10-19): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-15): PCCD with cure, sent out today Reviewer Comment (2026-09-28): [redacted] acknowledged that the below comment. However, to comply with the COC requirements and re-baseline fee amounts, TPRs will look to the COC documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The COC documentation, at a minimum, should include: [redacted]) The original estimate of the cost (can be documented through fee amounts disclosed on the initial LE); [redacted]) specific reason for the revision and how it impacted the specific fee(s) that increased; [redacted]) the revised amount (can be documented through fee amounts disclosed on the revised LE/CD but increase must correspond with actual change resulting from documented COC and only fees related to the specific COC are considered for rebaseline); and [redacted]) the date of the changed circumstance (i.e. the date the creditor received information sufficient to establish that one of the reasons for revision provided under §[redacted] through (F) has occurred). As per the guideline the reason for the fee increased should be disclosed to borrower within that timing requirement. As the fee was not disclosed until [redacted]. This is outside required [redacted]-day timeline notification to borrower as per the appraisal dated [redacted]. Cure is required. Buyer Comment (2026-09-24): This is new construction and the subject to items were not completed yet. A 1004d does not need to be or required to be ordered within [redacted] days of the appraisal. Please clear Reviewer Comment (2026-09-21): [redacted] Appraisal report is dated [redacted] and Appraisal re-inspection fee added on [redacted] which is not within [redacted] days pf the appraisal report. Provide additional information why the appraisal re-inspection fee was not added within [redacted] days of the appraisal report. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-09-17): Appraisal fee lowered on ICD to $[redacted] , then updated to $[redacted] on RCD when the reinspection was ordered |
10/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 226231076 | [Redacted] | [Redacted] | 37472303 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification and Tax Verification document is missing for the property address [redacted]. | Reviewer Comment (2026-09-18): REO docs received. Buyer Comment (2026-09-17): T&I impounded , property docs |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 226231076 | [Redacted] | [Redacted] | 37472305 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement is missing for the property address [redacted]. | Reviewer Comment (2026-09-18): REO docs received. Buyer Comment (2026-09-17): Property docs |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 226231076 | [Redacted] | [Redacted] | 37472361 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification of Employment is not within [redacted] business days of the Note. | Reviewer Comment (2026-09-23): Lender restated loan designation. VVOE meets lender guides. Buyer Comment (2026-09-21): safe harbor QM APOR Buyer Comment (2026-09-21): Please redesignate Safe Harbor |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 226231076 | [Redacted] | [Redacted] | 37472368 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-09-23): Lender restated loan designation. Condition cleared. |
09/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226231076 | [Redacted] | [Redacted] | 37472369 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-09-23): Lender restated loan designation. Condition cleared. |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 226231076 | [Redacted] | [Redacted] | 37605649 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Discount point fee increased on CD dated [redacted] without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | Reviewer Comment (2026-10-02): [redacted] received a valid COC. Buyer Comment (2026-10-01): RCD with COC |
10/02/2026 | No | 1 | A | A | A | A | A | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 226231076 | [Redacted] | [Redacted] | 37625265 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Citing is only for informational purposes showing loan designation was restated. | Buyer Comment (2026-09-24): Ok to waive |
09/24/2026 | No | 2 | A | B | B | B | A | AZ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 226231185 | [Redacted] | [Redacted] | 37472216 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No Cure or Change of Circumstance provided in loan file. | Reviewer Comment (2026-09-29): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-09-28): Please see attached Cure Check, Cover Letter, PCCD and Proof [redacted] delivered. |
09/29/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226231865 | [Redacted] | [Redacted] | 37478459 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation as per guideline. | Reviewer Comment (2026-10-01): Gift funds were deposited in borrower's account #[redacted]. |
10/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226231865 | [Redacted] | [Redacted] | 37478460 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank [redacted]): Unable to verify assets using reasonably reliable third-party records. | Unable to verify assets using reasonably reliable third-party records | Reviewer Comment (2026-10-01): Gift funds were deposited in borrower's account #[redacted]. Buyer Comment (2026-09-29): The documents provided show both gifts letters and wires showing receipt of both gifts [redacted]k and [redacted]k . This is all thats required for gift funds documentation. Please clear Reviewer Comment (2026-09-18): Exception remains. no updated documents provided Buyer Comment (2026-09-16): Gift funds |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226231865 | [Redacted] | [Redacted] | 37478462 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | Unable to verify assets using reasonably reliable third-party records | Reviewer Comment (2026-10-01): Gift funds were deposited in borrower's account #[redacted]. |
10/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226232030 | [Redacted] | [Redacted] | 37478618 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-09-18): Received Esign Process Summary . Exception cleared. Buyer Comment (2026-09-17): Please see attached |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226232030 | [Redacted] | [Redacted] | 37478767 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-04): Sufficient Cure Provided At Closing |
09/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226232030 | [Redacted] | [Redacted] | 37478768 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-04): Sufficient Cure Provided At Closing |
09/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226232030 | [Redacted] | [Redacted] | 37483537 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | ADV report reflects error in SSN and error on Civil Court Search Report due to name/SSN mismatch, please provide updated ADV report with valid search report for borrower. | Reviewer Comment (2026-09-29): The remaining finding is classified as a low-level alert, which does not require additional action or remediation Reviewer Comment (2026-09-25): Reviewed both fraud reports and both say the same " verify all borrower information was entered correctly. If entered correctly , request proof of SSN." If cleared please provide Doc# for review. Buyer Comment (2026-09-25): Please review the fraud report dated [redacted] that was previously uploaded. The report reflects that the applicable red flag findings were reviewed and cleared, as shown on the right-hand side of the report. The [redacted] report is the applicable completed fraud report and documents resolution of the findings referenced in the exception. Please review the report in its entirety and clear the outstanding condition. If there is a specific item on the [redacted] report that [redacted] believes remains unresolved, please identify the specific finding so that we can address [redacted] Reviewer Comment (2026-09-18): Received duplicate fraud report dated [redacted]. Please provide the updated fraud report reflecting the current findings and confirming that all previously identified red flags have been reviewed and appropriately addressed. Exception remains Buyer Comment (2026-09-17): Please see attached loan safe where all the items where cleared on the right hand side of the page. Please clear condition. |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226233172 | [Redacted] | [Redacted] | 37475792 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is not provided | Reviewer Comment (2026-09-24): E-Sign Consent Agreement received. Exception cleared. Buyer Comment (2026-09-22): eConsent |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226233172 | [Redacted] | [Redacted] | 37475844 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided | Note - Subordinate Lien is not provided | Reviewer Comment (2026-10-01): Note - Subordinate Lien received and updated. Buyer Comment (2026-09-29): Note Reviewer Comment (2026-09-24): Require Final Closing disclosure & note for the simultaneous lien of amount $[redacted] Exception remains. Buyer Comment (2026-09-22): IRS |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226233172 | [Redacted] | [Redacted] | 37475961 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] due to recording fee. | Reviewer Comment (2026-09-23): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-09-22): See [redacted] page [redacted] for final CD that has the cure at the bottom of page [redacted] |
09/23/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226233172 | [Redacted] | [Redacted] | 37475962 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid COC and insufficient cure provided. | Reviewer Comment (2026-10-14): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-13): Sent out today Buyer Comment (2026-10-13): PCCD with cure |
10/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226233381 | [Redacted] | [Redacted] | 37473714 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Buyer Comment (2026-10-09): Waive per CNR |
10/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| 226235183 | [Redacted] | [Redacted] | 37481610 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-10-01): Received CDA. Exception Cleared. Buyer Comment (2026-09-29): Please see attached. |
10/01/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Purchase | D | A | C | A | D | A | N/A | No | |||||||||||||||
| 226235183 | [Redacted] | [Redacted] | 37481646 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-09-17): Hazard Insurance Policy, cleared Buyer Comment (2026-09-16): Please see attached. |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | D | A | C | A | D | A | N/A | No | |||||||||||||||
| 226235649 | [Redacted] | [Redacted] | 37484009 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | No documents provided for trust income. Guidelines require a copy of the Trust Agreement or other Trustee Statement, confirming the: [redacted]. Amount of the trust, [redacted]. Frequency of distribution, and [redacted]. Duration of payments. |
Reviewer Comment (2026-10-29): Cleared. Received trust documents. Buyer Comment (2026-10-28): Please see attached. |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226235649 | [Redacted] | [Redacted] | 37484010 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | No documents provided for trust income. Guidelines require a copy of the Trust Agreement or other Trustee Statement, confirming the: [redacted]. Amount of the trust, [redacted]. Frequency of distribution, and [redacted]. Duration of payments. |
Reviewer Comment (2026-10-29): Cleared. Received trust documents. Buyer Comment (2026-10-28): Waterfall |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226235649 | [Redacted] | [Redacted] | 37484011 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing Trust Income Documents. | Reviewer Comment (2026-10-29): Cleared. Received trust documents. Buyer Comment (2026-10-28): Waterfall |
10/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | PA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226235649 | [Redacted] | [Redacted] | 37484012 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing Trust Income Documents. | Reviewer Comment (2026-10-29): Cleared. Received trust documents. Buyer Comment (2026-10-28): Waterfall |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226235649 | [Redacted] | [Redacted] | 37484019 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing Trust Income Documents. | Reviewer Comment (2026-10-29): Cleared. Received trust documents. Buyer Comment (2026-10-28): Waterfall |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226235650 | [Redacted] | [Redacted] | 37482649 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to the number of months covered by the provided P&L Statement was [redacted] months lower than the number of months required by the guidelines. | Reviewer Comment (2026-09-29): Updated P&L proved through [redacted] Buyer Comment (2026-09-25): P & L |
09/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226235650 | [Redacted] | [Redacted] | 37482650 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - P&L Statement Only Guidelines Number of Months P&L Requirement not met | Ability to Repay (Dodd-Frank [redacted]): The number of months covered by the provided P&L Statement(s) was fewer than the number of months required by the guidelines. | The number of months covered by the provided P&L Statement was [redacted] months lower than the number of months required by the guidelines. | Reviewer Comment (2026-09-29): Updated P&L proved through [redacted] Buyer Comment (2026-09-25): See upload |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226235650 | [Redacted] | [Redacted] | 37482651 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | Waterfall due to the number of months covered by the provided P&L Statement was [redacted] months lower than the number of months required by the guidelines. | Reviewer Comment (2026-09-29): Updated P&L proved through [redacted] |
09/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226235650 | [Redacted] | [Redacted] | 37482653 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Recording Fee increased to $[redacted] without a valid change of circumstance; however, cure was provided to the borrower. | Reviewer Comment (2026-09-05): Sufficient Cure Provided At Closing |
09/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226235650 | [Redacted] | [Redacted] | 37482654 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Transfer Fee increased to $[redacted] without a valid change of circumstance; however, cure was provided to the borrower. | Reviewer Comment (2026-09-05): Sufficient Cure Provided At Closing |
09/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226235650 | [Redacted] | [Redacted] | 37482656 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to the number of months covered by the provided P&L Statement was [redacted] months lower than the number of months required by the guidelines. | Reviewer Comment (2026-09-29): Updated P&L proved through [redacted] Buyer Comment (2026-09-25): See upload |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226235650 | [Redacted] | [Redacted] | 37483572 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Provide complete copy of operating agreement on [redacted] to verify percentage of ownership to access account #[redacted]. Additional requirement may apply. | Reviewer Comment (2026-09-25): Operating agreement provided and associated. Exception cleared Buyer Comment (2026-09-24): operating agreement on [redacted] |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226235650 | [Redacted] | [Redacted] | 37706221 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-09-29): Updated P&L proved through [redacted] |
09/29/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226236898 | [Redacted] | [Redacted] | 37485990 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of non-US Citizen Status was not provided for borrower. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]yr Full Doc Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-10-05): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-01): please see attached lender exception for process under [redacted] loan program without copy of [redacted] |
10/05/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NV | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 226236898 | [Redacted] | [Redacted] | 37521385 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee increased on Closing Disclosure issued [redacted] without a valid Change of Circumstance nor evidence of cure. | Reviewer Comment (2026-10-02): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-01): please see attached lox, pccd and check |
10/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226236898 | [Redacted] | [Redacted] | 37521386 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Safe Report. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Report Fee increased on Closing Disclosure issued [redacted] without a valid Change of Circumstance nor evidence of cure. | Reviewer Comment (2026-10-02): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-01): please see attached lox, pccd and check |
10/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226236997 | [Redacted] | [Redacted] | 37484790 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-01): [redacted] received valid COC document Buyer Comment (2026-09-29): The $[redacted] Appraisal Desk Review Fee was assessed because the appraisal received a CU score of [redacted], which triggered the requirement for an additional desk review. The fee was incurred as a result of the appraisal findings and was necessary to complete the required collateral review. Please reconsider the exception based on the documented reason for the fee and review for clearance. |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226236997 | [Redacted] | [Redacted] | 37522973 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Schedule C was provided for [redacted]. CPA letter shows [redacted]% ownership. Please verify borrower's ownership percentage in business. | Reviewer Comment (2026-10-14): CPA letter shows [redacted]% ownership and confirms that is accurate and will be that way going forward. Buyer Comment (2026-10-13): Please reconsider this exception. The CPA letter dated [redacted], [redacted], explicitly confirms that borrower [redacted] holds [redacted]% ownership in [redacted]. The letter was provided by the borrower's CPA and specifically verifies the ownership percentage. While we acknowledge the Schedule C reflects [redacted] status, the CPA has confirmed the borrower's actual ownership interest in the business. We are relying on the documentation provided by the CPA to establish the borrower's ownership percentage. Please review the existing documentation and reconsider clearing this exception. If the CPA's written confirmation is insufficient, please identify the specific additional documentation required to satisfy this condition. Reviewer Comment (2026-10-01): Generally, Schedule C "[redacted]" is considered [redacted]% ownership, but the CPA letter is reflecting [redacted]% ownership. Confirmation is required if the borrower actually owns [redacted]% in the business. Exception remains. Buyer Comment (2026-09-29): Please review the CPA letter dated [redacted], [redacted], which explicitly confirms that borrower [redacted] holds [redacted]% ownership in [redacted]. The letter identifies the business, confirms the borrower's ownership percentage, and provides the business establishment date. The requested ownership verification has already been provided in the file. Please review the existing documentation and clear this condition. |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226236997 | [Redacted] | [Redacted] | 37522987 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation mismatch due to discrepancy in borrower's ownership in business entity. | Reviewer Comment (2026-10-14): CPA letter shows [redacted]% ownership and confirms that is accurate and will be that way going forward. Buyer Comment (2026-10-13): Waterfall Reviewer Comment (2026-10-01): Generally, Schedule C "[redacted]" is considered [redacted]% ownership, but the CPA letter is reflecting [redacted]% ownership. Confirmation is required if the borrower actually owns [redacted]% in the business. Exception remains. Buyer Comment (2026-09-29): Waterfall |
10/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226236997 | [Redacted] | [Redacted] | 37522988 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to discrepancy in borrower's ownership in business entity. | Reviewer Comment (2026-10-14): CPA letter shows [redacted]% ownership and confirms that is accurate and will be that way going forward. Buyer Comment (2026-10-13): Waterfall Reviewer Comment (2026-10-01): Generally, Schedule C "[redacted]" is considered [redacted]% ownership, but the CPA letter is reflecting [redacted]% ownership. Confirmation is required if the borrower actually owns [redacted]% in the business. Exception remains. Buyer Comment (2026-09-29): Waterfall |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226236997 | [Redacted] | [Redacted] | 37522989 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to discrepancy in borrower's ownership in business entity. | Reviewer Comment (2026-10-14): CPA letter shows [redacted]% ownership and confirms that is accurate and will be that way going forward. Buyer Comment (2026-10-13): Waterfall Reviewer Comment (2026-10-01): Generally, Schedule C "[redacted]" is considered [redacted]% ownership, but the CPA letter is reflecting [redacted]% ownership. Confirmation is required if the borrower actually owns [redacted]% in the business. Exception remains. Buyer Comment (2026-09-29): Waterfall |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226237737 | [Redacted] | [Redacted] | 37485474 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The appraisal fee of $[redacted] exceeds the allowable tolerance of $[redacted] and is $[redacted] above the legal limit. No valid change of circumstance nor cure was provided to the borrower. | Reviewer Comment (2026-10-05): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-02): please see attached lox, pccd and check |
10/05/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226237737 | [Redacted] | [Redacted] | 37485475 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The credit report fee of $[redacted] exceeds the allowable tolerance of $[redacted] and is $[redacted] above the legal limit. No valid change of circumstance nor cure was provided to the borrower. | Reviewer Comment (2026-10-05): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-02): please see attached lox, pccd and check |
10/05/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226238695 | [Redacted] | [Redacted] | 37486642 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-09-22): Provided HOA verification Buyer Comment (2026-09-22): HOA dues |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226238695 | [Redacted] | [Redacted] | 37486668 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-09-22): Provided e-sign consent disclosure Buyer Comment (2026-09-22): eConsent |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226238695 | [Redacted] | [Redacted] | 37486714 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted] due to an increase in recording fee. No valid Change of Circumstance was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-09-29): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-09-28): PCCD with cure, sent out today |
09/29/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226240258 | [Redacted] | [Redacted] | 37493188 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Guideline requires foreign applicants to provide a legible, valid foreign passport AND visa. The visa must evidence that the Applicant has legally entered the US, though no defined length of stay is required. The passport and visa should contain all necessary information on the Applicant and include a photograph and signature. Additional requirements may apply. | Reviewer Comment (2026-09-23): Received Individual taxpayer identification document and driving license. Exception Cleared. Buyer Comment (2026-09-21): Please see[redacted] |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226240258 | [Redacted] | [Redacted] | 37493560 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted] and #[redacted] reflects lis pendens with outstanding balances in the amount of $[redacted] and $tbd. HUD [redacted] does not reflect payoff of liens. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-10-20): Received satisfactions. Cleared. Buyer Comment (2026-10-16): Release of Lien |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226240258 | [Redacted] | [Redacted] | 37493586 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Citizenship Source Documentation was not provided | - | Guideline requires foreign applicants to provide a legible, valid foreign passport AND visa. The visa must evidence that the Applicant has legally entered the US, though no defined length of stay is required. The passport and visa should contain all necessary information on the Applicant and include a photograph and signature. Additional requirements may apply. | Reviewer Comment (2026-09-23): Received Individual taxpayer identification and driving license. Exception Cleared. Buyer Comment (2026-09-21): See upload |
09/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226240742 | [Redacted] | [Redacted] | 37486110 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | Reviewer Comment (2026-10-01): Received the DSCR worksheet. The calculated DSCR matches the DSCR reflected on the provided DSCR worksheet. Exception Cleared. Buyer Comment (2026-09-29): Atty opinion letter, DSCR calc Buyer Comment (2026-09-29): [redacted] respectfully disagrees with [redacted] DSCR designation. Per atty opinion of groundrent, Total groundrent is $[redacted] over a [redacted] year period. [redacted] incorrectly dividing by [redacted] when it should be divided by [redacted] True PITIA [redacted] True DSCR = [redacted] / [redacted] = [redacted] Please see uploaded supporting docs and correct [redacted] Reviewer Comment (2026-09-24): The provided documentation does not support the variance exceeding [redacted]. Please provide a DSCR worksheet to verify and reconcile the discrepancy. Exception remains. Buyer Comment (2026-09-22): Rebuttal |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226240742 | [Redacted] | [Redacted] | 37486121 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The borrower applied on the [redacted] as an individual borrower ,however, the Note was signed by [redacted] members. | Reviewer Comment (2026-09-23): Revalidated information as per provided note. Exception cleared. Buyer Comment (2026-09-22): Rebuttal |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226240805 | [Redacted] | [Redacted] | 37487438 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-10-29): Final title provided |
10/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 226240805 | [Redacted] | [Redacted] | 37487439 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-10-29): Final title provided Buyer Comment (2026-10-27): Please see attached. |
10/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 226240805 | [Redacted] | [Redacted] | 37487479 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOE - Employment Only was not found in file. | Reviewer Comment (2026-10-29): Document provided Buyer Comment (2026-10-27): Please see attached. Reviewer Comment (2026-09-17): Required Verbal Verification of Employment must be completed within [redacted] business days of the Note date and must verify the borrower's start date and active employment status. Exception remains. Buyer Comment (2026-09-15): Please see attached. |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226240805 | [Redacted] | [Redacted] | 37488331 | Credit | Credit | Transaction Error | Credit | Transaction Error: Total Cash-out on a purchase transaction. | Borrower is receiving total cash-out of $[redacted] on a purchase transaction. | Reviewer Comment (2026-09-18): Buyer's funds to close were updated based on the Closing Disclosure (Page [redacted]). Exception cleared. Buyer Comment (2026-09-15): Please reduce the buyer's documented funds to close of $[redacted] by the $[redacted] received back at closing. The funds returned to the borrower represent a reduction of the borrower's funds required for closing and should not be considered cash-out proceeds from the purchase transaction. Please update the calculation accordingly and clear the exception. Buyer Comment (2026-09-15): Please see attached. |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226240805 | [Redacted] | [Redacted] | 37488534 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | VVOE was not found in file. | Reviewer Comment (2026-10-29): Document provided Buyer Comment (2026-10-27): Waterfall Reviewer Comment (2026-09-17): Required Verbal Verification of Employment must be completed within [redacted] business days of the Note date and must verify the borrower's start date and active employment status. Exception remains. Buyer Comment (2026-09-15): Waterfall |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226240805 | [Redacted] | [Redacted] | 37488558 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VVOE was not found in file. | Reviewer Comment (2026-10-29): Document provided Buyer Comment (2026-10-27): Waterfall Reviewer Comment (2026-09-17): Required Verbal Verification of Employment must be completed within [redacted] business days of the Note date and must verify the borrower's start date and active employment status. Exception remains. Buyer Comment (2026-09-15): Waterfall |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226241005 | [Redacted] | [Redacted] | 37502066 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing [redacted] personal tax return. | Reviewer Comment (2026-10-07): Received required documentation. Condition cleared. Reviewer Comment (2026-09-22): As per guidelines, the most recent [redacted] year personal federal tax return, including all schedules, is required as S-Corporation income is being used for qualification. Exception remains. Buyer Comment (2026-09-21): Not required. We provided the [redacted] years of W2s and W2 tax transcripts per guides |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226241005 | [Redacted] | [Redacted] | 37502067 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing [redacted] personal tax return. | Reviewer Comment (2026-10-06): [redacted] personal tax return document received. Exception Cleared. Buyer Comment (2026-10-02): [redacted] 1040s |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226241005 | [Redacted] | [Redacted] | 37502072 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing personal tax return. | Reviewer Comment (2026-10-07): Received required documentation. Condition cleared. |
10/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226241005 | [Redacted] | [Redacted] | 37502073 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing personal tax return. | Reviewer Comment (2026-10-07): Received required documentation. Condition cleared. |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226241005 | [Redacted] | [Redacted] | 37502075 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing personal tax return. | Reviewer Comment (2026-10-07): Received required documentation. Condition cleared. |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226241011 | [Redacted] | [Redacted] | 37495882 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Primary valuations date is [redacted] while the AVM effective date is [redacted]. | Reviewer Comment (2026-10-07): The Collateral underwriter risk score is [redacted] and available secondary appraisal was for transferred appraisal. Secondary appraisal is not required. Exception cleared. Buyer Comment (2026-10-05): Please disregard the CDA as this was completed for an appraisal that was transferred to our company. That appraisal (and CDA) had a value of $[redacted] We ended up doing a new appraisal with our service provider. The new appraisal came in with a slightly lower value of $[redacted] which is the value the loan approval is based on. The UCDP scores are [redacted] and [redacted] respectively for the updated [redacted] appraisal and therefor do not require a secondary valuation |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | A | A | C | A | N/A | No | ||||||||||||||
| 226241023 | [Redacted] | [Redacted] | 37487183 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization for business entity [redacted], [redacted] are missing from the file. | Reviewer Comment (2026-09-28): Document provided [redacted] Reviewer Comment (2026-09-25): Provided business entity document is not an Articles of Organization. Provide the Articles of Organization confirming the business is registered. Exception remains Buyer Comment (2026-09-24): The [redacted] is the equivalent to the articles of organization/formation please clear the condition. If there is specific document that you are looking for. Reviewer Comment (2026-09-23): Provided business entity documentation is already in the file and associated with the Certificate of Good Standing. The Articles of Organization are still required for [redacted]. Exception remains. Buyer Comment (2026-09-21): Document |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226241081 | [Redacted] | [Redacted] | 37493976 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI discrepancy is due to Lender [redacted] using $[redacted] as total payment on primary residence. Due Diligence Review total payment for the primary residence is $[redacted] | Reviewer Comment (2026-10-07): Bid tape updated, exception cleared Buyer Comment (2026-10-05): bid tape has been updated Reviewer Comment (2026-10-01): Received revised [redacted] and [redacted] with correct DIT, but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-09-29): please see updated [redacted] & [redacted] with updated primary p&i amount. DTI now [redacted]%. Bid tape to be updated |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226241098 | [Redacted] | [Redacted] | 37502307 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-10-07): Received [redacted] UCDP with a score below [redacted]. Exception cleared. Buyer Comment (2026-10-05): please see attached SSR reports, risk score is below [redacted] |
10/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | XXXX | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 226241098 | [Redacted] | [Redacted] | 37502308 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-10-07): Hazard Insurance Policy received and reviewed. Exception cleared. Buyer Comment (2026-10-06): please see attached hoi policy |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 226241168 | [Redacted] | [Redacted] | 37499814 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI variance is due to lender excluding PITIA on investment property from DTI calculation. | Reviewer Comment (2026-10-02): Departing residence is owned free and clear and [redacted] months TIA reserves requirement met. Exception cleared. Buyer Comment (2026-09-30): departing resident is owned fee and clear and is under contract doc [redacted] and BPO report is doc [redacted]. can be omitted per guides section [redacted] |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226241168 | [Redacted] | [Redacted] | 37499816 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI variance is due to lender excluding PITIA on investment property from DTI calculation. | Reviewer Comment (2026-10-02): Departing residence is owned free and clear and [redacted] months TIA reserves requirement met. Exception cleared. |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226241168 | [Redacted] | [Redacted] | 37499849 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI variance is due to lender excluding PITIA on investment property from DTI calculation. | Reviewer Comment (2026-10-02): Departing residence is owned free and clear and [redacted] months TIA reserves requirement met. Exception cleared. |
10/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226241168 | [Redacted] | [Redacted] | 37499850 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | DTI variance is due to lender excluding PITIA on investment property from DTI calculation. | Reviewer Comment (2026-10-02): Departing residence is owned free and clear and [redacted] months TIA reserves requirement met. Exception cleared. |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226241168 | [Redacted] | [Redacted] | 37499851 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI variance is due to lender excluding PITIA on investment property from DTI calculation. | Reviewer Comment (2026-10-02): Departing residence is owned free and clear and [redacted] months TIA reserves requirement met. Exception cleared. |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226241200 | [Redacted] | [Redacted] | 37501573 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | The disclosed Finance Charge in the amount of $[redacted] is underdisclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. | Reviewer Comment (2026-10-09): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-10-08): Please see attached Cover Letter, Cure Check, PCCD and proof [redacted] delivered |
10/09/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IN | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226241277 | [Redacted] | [Redacted] | 37502239 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-09-11): Cured at closing or within [redacted] days of consummation prior to TPR review |
09/11/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226241277 | [Redacted] | [Redacted] | 37502240 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-09-30): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-09-28): PCCD with cure, sent out today |
09/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226241277 | [Redacted] | [Redacted] | 37548765 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Variance between diligence DTI and bid tape DTI does not meet [redacted] requirements. Variance is more than [redacted]%. | Reviewer Comment (2026-10-12): Bid Tape DTI has been updated. Exception cleared. Buyer Comment (2026-10-08): Updated [redacted]/[redacted] with DTI at [redacted]% . Requested bid tape to be updated |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226241277 | [Redacted] | [Redacted] | 37548844 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Variance between diligence DTI and bid tape DTI does not meet [redacted] requirements. Variance is more than [redacted]%. | Reviewer Comment (2026-10-12): Bid Tape DTI has been updated. Exception cleared. |
10/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226241277 | [Redacted] | [Redacted] | 37548845 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Variance between diligence DTI and bid tape DTI does not meet [redacted] requirements. Variance is more than [redacted]%. | Reviewer Comment (2026-10-12): Bid Tape DTI has been updated. Exception cleared. |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226241298 | [Redacted] | [Redacted] | 37501800 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Second Home not provided | Second Home Rider is missing in the file. | Reviewer Comment (2026-09-25): Second home rider associated. Exception cleared. Buyer Comment (2026-09-24): Second Home Rider |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Second Home | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 226241298 | [Redacted] | [Redacted] | 37502100 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent [redacted] years signed and dated Tax Return is not provided. | Reviewer Comment (2026-09-28): Client elects to waive Buyer Comment (2026-09-24): Extensions filed. Waive |
09/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WV | Second Home | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 226241298 | [Redacted] | [Redacted] | 37502101 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent [redacted] years signed and dated Tax Return is not provided. | Reviewer Comment (2026-09-28): Client elects to waive Buyer Comment (2026-09-24): Extensions filed. Waive |
09/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WV | Second Home | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 226242852 | [Redacted] | [Redacted] | 37497802 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address [redacted] | Note shows city [redacted], while the insurance shows the city [redacted]. | Reviewer Comment (2026-09-30): Provided address [redacted] Buyer Comment (2026-09-29): Please see attached address [redacted], [redacted] is the county, [redacted]is the State. Therefore there is no address [redacted] |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226242899 | [Redacted] | [Redacted] | 37501927 | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided | Missing [redacted] Rent Comparison Schedule in loan file. | Reviewer Comment (2026-09-30): [redacted] Rent Comparison Schedule - cleared Buyer Comment (2026-09-29): [redacted] |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 226242899 | [Redacted] | [Redacted] | 37501938 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Missing [redacted] Appraisal in loan file. | Reviewer Comment (2026-09-25): Appraisal associated and updated, Exception Cleared. Buyer Comment (2026-09-24): Hello, please see the attached appraisal reflecting a Rent Sched amount of $[redacted] |
09/25/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 226242899 | [Redacted] | [Redacted] | 37501945 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | Missing Appraisal Review in loan file. | Reviewer Comment (2026-09-25): Appraisal associated and updated, Exception Cleared. |
09/25/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 226242899 | [Redacted] | [Redacted] | 37501964 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property | - | [redacted] Market Comparable form missing in loan file. | Reviewer Comment (2026-09-25): Appraisal associated and updated, Exception Cleared. |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | D | A | N/A | No | |||||||||||||
| 226242899 | [Redacted] | [Redacted] | 37690264 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Reviewer Comment (2026-10-07): Received condo warrantable as required. Exception cleared. Buyer Comment (2026-10-05): please see condo approval doc[redacted] |
10/07/2026 | No | 1 | A | A | A | A | A | FL | Investment | Purchase | D | A | D | A | D | A | N/A | No | |||||||||||||||||||
| 226243305 | [Redacted] | [Redacted] | 37503278 | Compliance | Compliance | State Compliance | State Defect | [redacted] Subtitle [redacted] - [redacted]-[redacted] Interest and Usury Prepayment Penalty ([redacted]; [redacted]) - Permissive Method | [redacted] Subtitle [redacted] - [redacted]-[redacted] Interest and Usury Prepayment Penalty (Prior to [redacted]): Alternate prepayment penalty testing methodology utilized under §[redacted]-[redacted] allowing prepays over prescribed limits (greater than [redacted] months or [redacted] months' advanced interest on prepayment in excess of [redacted] of original loan amount) to be treated as interest, with amounts under the limit not as interest. Alternate testing was deemed acceptable by [redacted] outside counsel given the ambiguity in the state [redacted] | Reviewer Comment (2026-09-28): Waived with no compensating factors Buyer Comment (2026-09-25): Please waive Reviewer Comment (2026-09-15): It is cited due to the deal setting being used by the client. It is not intended to be a failure exception but rather an informational exception to note the option being used for [redacted] prepay testing. Client can refer to external Client Compliance Bulletin [redacted] where this setting (and its accompanying exception) was previously communicated. Client can waive if they wish. Buyer Comment (2026-09-11): This is an exempt loan and is not intended for personal, primary, or family use. |
09/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | XXXX | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | |||||||||||
| 226243784 | [Redacted] | [Redacted] | 37506809 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Provided corporate resolution reflects loan amount different from subject loan amount. | Reviewer Comment (2026-09-30): Provided corporate resolution covers loan amount of $[redacted] Exception Cleared. Buyer Comment (2026-09-28): Corporate resolution found in [redacted] is for slightly more than the final loan amount therefor does not need to be updated. |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226243789 | [Redacted] | [Redacted] | 37503484 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement was not found for the property address [redacted]. | Reviewer Comment (2026-10-05): Received Closing Disclosure and verified PITIA. Revised [redacted] and [redacted] have been received. Exception cleared. Buyer Comment (2026-10-01): [redacted] Retrieved CD from new [redacted] Loan and uploaded to investor [redacted]g with updated [redacted]/[redacted]. |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226249337 | [Redacted] | [Redacted] | 37516522 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-10-12): Received Final Title Policy with correct amount. Exception cleared. |
10/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226249337 | [Redacted] | [Redacted] | 37516536 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Hazard Insurance for the property was not found in file. | Reviewer Comment (2026-09-30): Received insurance verification for property #[redacted]. Exception cleared. Buyer Comment (2026-09-28): Hazard |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226249337 | [Redacted] | [Redacted] | 37516537 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement was not found in file. The provided E-Sign Consent is reflecting a pending status. | Reviewer Comment (2026-09-29): Received E-sign consent agreement. Exception Cleared. Buyer Comment (2026-09-28): eConsent |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226249337 | [Redacted] | [Redacted] | 37516547 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy amount of $[redacted] is less than the Note amount of $[redacted] | Reviewer Comment (2026-10-12): Received Final Title Policy with correct amount. Exception cleared. Buyer Comment (2026-10-08): Title |
10/12/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | IL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226250571 | [Redacted] | [Redacted] | 37551338 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the Preliminary in file. | Reviewer Comment (2026-10-07): Title policy amount verified and updated. Exception cleared. Buyer Comment (2026-10-05): please see supplemental report doc[redacted] page [redacted] |
10/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226250579 | [Redacted] | [Redacted] | 37516959 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement document is missing in the loan file. | Reviewer Comment (2026-09-15): Received operating agreement as required. Exception cleared. Seller Comment (2026-09-11): All Business Docs |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226250579 | [Redacted] | [Redacted] | 37516961 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution document is missing in the loan file. | Reviewer Comment (2026-09-15): Received operating agreement as required. Exception cleared. Seller Comment (2026-09-11): All Business Docs |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226250579 | [Redacted] | [Redacted] | 37516963 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation document is missing in the loan file. | Reviewer Comment (2026-09-15): Received Articles of Organization/Formation as required. Exception cleared. Seller Comment (2026-09-11): All Business Docs |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226250579 | [Redacted] | [Redacted] | 37516977 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | PITIA $[redacted] (P&I $[redacted] taxes $[redacted] and Hazard $[redacted]). Rent $[redacted] / $[redacted] = [redacted] DSCR. | Reviewer Comment (2026-09-10): Updated bid tape provided. Reviewer Comment (2026-09-10): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted]. |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226250588 | [Redacted] | [Redacted] | 37516726 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing Initial [redacted] Rate Lock date | Reviewer Comment (2026-09-29): Received rate lock document. Exception cleared. Seller Comment (2026-09-25): LOCK Reviewer Comment (2026-09-23): Require Initial [redacted] Rate lock document. Exception Remains. Seller Comment (2026-09-22): Prepayment Addendum and Rider |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Non QM | N/A | No | |||||||||||
| 226251730 | [Redacted] | [Redacted] | 37518708 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Property was shown as Pending Sale on [redacted] and PITIA on the property was excluded from DTI calculation. No evidence was provided to show the property was on sale. | Reviewer Comment (2026-09-25): Appraisal provided. Exception cleared Buyer Comment (2026-09-24): Property docs |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226251730 | [Redacted] | [Redacted] | 37518750 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Closing Disclosure for [redacted] was not provided in file. | Reviewer Comment (2026-09-25): Closing Disclosure for [redacted] provided. Exception cleared Buyer Comment (2026-09-24): CD |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226251730 | [Redacted] | [Redacted] | 37518827 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was disclosed on initial Loan Estimate as $[redacted] but disclosed on final Closing Disclosure as $[redacted] File does not contain a valid COC for this fee, nor was evidence of cure provided in file. | Reviewer Comment (2026-09-25): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-09-24): See[redacted] page [redacted] for final CD which has the cure at the bottom of page [redacted] |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226251730 | [Redacted] | [Redacted] | 37524414 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Closing Disclosure for [redacted] was not provided in file. | Reviewer Comment (2026-09-25): Closing Disclosure for [redacted] provided. Exception cleared |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226251730 | [Redacted] | [Redacted] | 37524432 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing asset documentation: Closing Disclosure for [redacted] was not provided in file. | Reviewer Comment (2026-09-25): Closing Disclosure for [redacted] provided. Exception cleared |
09/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226251730 | [Redacted] | [Redacted] | 37524433 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing asset documentation: Closing Disclosure for [redacted] was not provided in file. | Reviewer Comment (2026-09-25): Closing Disclosure for [redacted] provided. Exception cleared |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226251730 | [Redacted] | [Redacted] | 37524752 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing asset documentation: Closing Disclosure for [redacted] was not provided in file. | Reviewer Comment (2026-09-25): Closing Disclosure for [redacted] provided. Exception cleared |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226251730 | [Redacted] | [Redacted] | 37554046 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan discount points increased without a valid Change of Circumstance nor was cure provided at closing. | Reviewer Comment (2026-10-12): [redacted] received valid COC and rebuttal Buyer Comment (2026-10-08): Provided COC states discount points adjusted up by .[redacted] based on exception toward the bottom, the exception is in the file. This is valid and can be cleared as is Reviewer Comment (2026-09-25): [redacted] received COC dated [redacted] stating " Settlement charge" which is not a valid reason. Kindly provide a valid reason as to why the loan discount point increased on Cd dated [redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-09-24): ** I meant RCD not PCCD Buyer Comment (2026-09-24): PCCD with COC and exception |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226253927 | [Redacted] | [Redacted] | 37517488 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final title policy was not found in file. | Reviewer Comment (2026-10-14): Final title provided |
10/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226253927 | [Redacted] | [Redacted] | 37563136 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] item #[redacted] and #[redacted] reflects mortgages in the amount of $[redacted] and $[redacted] HUD [redacted] reflects a mortgage payoff of $[redacted] and $[redacted] Please provide evidence the liens have been satisfied and will not have negative impact on final title policy. | Reviewer Comment (2026-10-14): Final title provided Buyer Comment (2026-10-09): Policy Reviewer Comment (2026-09-25): Provided Title Final does not verify the Policy number and date of Policy. Required Title Final with all details. Exception Remains. Buyer Comment (2026-09-23): Title docs |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226254175 | [Redacted] | [Redacted] | 37528569 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance nor evidence of cure was provided for the increase in Loan Discount Points. | Reviewer Comment (2026-10-19): [redacted] received valid rebuttal comment and supporting lender exception with rate lock document for the pricing changed to increase the fee. Buyer Comment (2026-10-16): Please see attached approved exception under Pricing/Conditions. This shows an LLPA of .[redacted] which was approved (modified date) of [redacted]. This fee of .[redacted] was added to the lock. Please refer to page [redacted] of the most rate lock in[redacted] that reflects the LLPA of .[redacted]. Since this was just a loan level price adjustment and not a "relock" there is not a new lock dated [redacted] or [redacted] as you requested. Reviewer Comment (2026-10-14): [redacted] received rebuttal, however no rate lock for [redacted] and [redacted] provided in file. Please provide rate lock for [redacted] and [redacted] to re-evaluate the exception as we only have [redacted] rate lock available in file. Buyer Comment (2026-10-12): Please review the attached [redacted] rate lock documentation, which confirms the loan was originally locked at [redacted]% without the guideline exception or additional LLPA. The subsequent [redacted] lock reflects the addition of the guideline exception and associated [redacted]% LLPA, which was approved by the review team on [redacted]. This additional pricing adjustment resulted in the increase in discount points reflected on the [redacted] revised CD. The increase was directly related to the approved guideline exception and corresponding pricing adjustment, rather than an unexplained lender-initiated fee increase. Please review the attached [redacted] lock documentation [redacted]g with the previously provided [redacted] lock and exception approval, and reconsider clearing this condition. Reviewer Comment (2026-09-18): [redacted] received rebuttal comment. However, the rate was locked with [redacted]% and discount point fee disclosed to borrower in the amount of $[redacted] on revised LE dated [redacted]. But the fee was again increase of $[redacted] on [redacted] CD and provided corresponding COC does not give sufficient information on reason for the fee increased. If there was an additional reason the fee was increase we will need the additional information with supporting document to review, otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure. Buyer Comment (2026-09-16): The loan was locked on [redacted]. At the time of the lock, the borrower elected to increase the discount points associated with the selected rate/lock terms. The increase in discount points was a direct result of the borrower's selection and was not due to any lender-initiated fee change. A Change of Circumstance was completed on [redacted] to document the updated discount points. No other loan terms or circumstances were changed in connection with this revision. Please review the [redacted] COC and supporting lock documentation and clear the condition. |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226254448 | [Redacted] | [Redacted] | 37529426 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | The account number [redacted] reflects $[redacted] while the document reflects $[redacted] balance. | Reviewer Comment (2026-10-28): Received final SS. Cleared. Buyer Comment (2026-10-26): FSS other property sale Reviewer Comment (2026-10-20): Received updated [redacted] utilizing additional assets, however borrower is still at [redacted] months for reserves. For the sale of [redacted], the file only contains an estimate closing statement showing borrower received $[redacted] Please provide the final closing statement, HUD or CD to confirm the correct funds borrower received. Additional funds may be required. Reviewer Comment (2026-10-20): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. Buyer Comment (2026-10-16): Updated [redacted] Reviewer Comment (2026-10-07): Final [redacted] is reflecting balance $[redacted] for account #[redacted] whereas bank statement is reflecting $[redacted] Bank Statement for account with balance $[redacted] is required. Exception remains. Buyer Comment (2026-10-05): Can you please clarify where the shortage is as the system is reflecting enough reserves and cash to close even with [redacted] showing $[redacted] cents Reviewer Comment (2026-09-24): Additional funds are required to met the reserve requirement. Exception Remains. Buyer Comment (2026-09-23): [redacted] currently shows $[redacted] in verified assets. The cash to close per final CD is $[redacted] and [redacted] month reserves is $[redacted] x [redacted] = $[redacted] Combine total of $[redacted] which we have covered. Can we get this cleared or clarified ? |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226254448 | [Redacted] | [Redacted] | 37529427 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The account number [redacted] reflects $[redacted] while the document reflects $[redacted] balance. | Reviewer Comment (2026-10-28): Received final SS. Cleared. |
10/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226254448 | [Redacted] | [Redacted] | 37529428 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The account number [redacted] reflects $[redacted] while the document reflects $[redacted] balance. | Reviewer Comment (2026-10-28): Received final SS. Cleared. |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226254448 | [Redacted] | [Redacted] | 37563013 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | The account number [redacted] reflects $[redacted] while the document reflects $[redacted] balance. | Reviewer Comment (2026-10-28): Received final SS. Cleared. |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226254448 | [Redacted] | [Redacted] | 37563029 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The account number [redacted] reflects $[redacted] while the document reflects $[redacted] balance. | Reviewer Comment (2026-10-28): Received final SS. Cleared. |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226254461 | [Redacted] | [Redacted] | 37516545 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-10-12): CDA, cleared Buyer Comment (2026-10-09): please see attached cda report |
10/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Investment | Refinance - Rate/Term | D | A | A | A | D | A | N/A | No | |||||||||||||||
| 226254600 | [Redacted] | [Redacted] | 37517030 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment (2026-10-12): Received Final Title Policy for the Property. Values updated and Exception Cleared. |
10/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226254600 | [Redacted] | [Redacted] | 37517031 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Reviewer Comment (2026-10-07): Doc # [redacted] provided Buyer Comment (2026-10-05): please see condo cert doc[redacted] |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226254600 | [Redacted] | [Redacted] | 37563270 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] item #[redacted] and #[redacted] reflects mortgages in the amount of $[redacted] and $[redacted] HUD [redacted] reflects a mortgage payoff of $[redacted] and $[redacted] Please provide evidence the liens have been satisfied and will not have negative impact on final title policy. | Reviewer Comment (2026-10-12): Received Final Title Policy does not have any Negative Impact. Exception cleared. Buyer Comment (2026-10-08): please see attached Final Title Policy and title email stating no exception listed |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226259885 | [Redacted] | [Redacted] | 37529562 | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided | Missing [redacted] Rent Comparison Schedule in the loan file. Lender exception approved for waiving the [redacted]. |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-14): Client elects to waive with compensating factors. Buyer Comment (2026-10-13): Exception |
10/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 226259889 | [Redacted] | [Redacted] | 37569491 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/[redacted] was not provided. | - | The Appraisal was made "Subject to Inspection" and Form 1004D/[redacted] was not provided in loan file. | Reviewer Comment (2026-10-06): Cleared. Inspection report provided. Buyer Comment (2026-10-02): Appraisal LOE |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | C | A | N/A | No | |||||||||||||
| 226259889 | [Redacted] | [Redacted] | 37569493 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation was not provided. | Reviewer Comment (2026-10-05): Received Articles of Organization. Exception cleared. Buyer Comment (2026-10-01): Articles |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | C | A | N/A | No | ||||||||||||||
| 226259890 | [Redacted] | [Redacted] | 37529708 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Article of Organization/Formation is missing in loan file. | Reviewer Comment (2026-10-08): Received Articles of Organization. Cleared. Buyer Comment (2026-09-24): AOC |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226259920 | [Redacted] | [Redacted] | 37529995 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-19): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-16): Please see attached PCCD, Cover Letter, Cure check and proof [redacted] delivered. Reviewer Comment (2026-09-18): [redacted] received rebuttal comment for loan program change and provided COC dated [redacted] in the loan file indicates rate lock extension. However, this does not sufficiently explain the reason for the fee increase. Please provide supporting documentation or a detailed explanation to increase in the transfer taxes or Cure is required to borrower. Buyer Comment (2026-09-16): A valid Change of Circumstance dated [redacted] documents the required increase to the transfer tax fee due to the change in loan program. The transfer tax fee was updated accordingly based on this documented change of circumstance. Please review the attached COC and clear the condition. |
10/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226259939 | [Redacted] | [Redacted] | 37531063 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee increased from $[redacted] to $[redacted] Changed circumstances provided dated [redacted], but no Disclosure within [redacted] business days of [redacted] was provided with updated fee. | Reviewer Comment (2026-10-19): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-15): PCCD with cure, sent out today Reviewer Comment (2026-09-25): [redacted] received COC dated [redacted] stating "Appraisal fee - Per [redacted] surcharge is not a valid reason. Kindly provide a detail reason as to why the appraisal fee increased on LE dated [redacted] for $[redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-09-24): RLE with COC and proof of appraisal fee timing |
10/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226259942 | [Redacted] | [Redacted] | 37530280 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception was approved at origination for condo unit in project with hotel-like characteristics. Compensating factors are FICO [redacted] points or more above requirement, residual income $[redacted] or more, long-term home ownership (>[redacted] years), $[redacted]/month lifetime pension income and [redacted] month full-doc. | Borrower has verified disposable income of at least $[redacted] Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-07): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-05): please clarify as condition is referencing lender exception doc[redacted] |
10/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | SC | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226259963 | [Redacted] | [Redacted] | 37545493 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Reviewer Comment (2026-10-12): Received final HUD-1 as required. Exception cleared. Buyer Comment (2026-10-08): please see attached final HUD Reviewer Comment (2026-10-08): Received ALTA Settlement Statement; document does not contain the Closer/Escrow Officer's signature. Exception remains. Buyer Comment (2026-10-06): please see attached alta |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226261456 | [Redacted] | [Redacted] | 37531690 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-10-01): Final Title Policy received, exception cleared. |
10/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226261456 | [Redacted] | [Redacted] | 37578037 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] item #[redacted] and #[redacted] reflects mortgages in the amount of $[redacted] and $[redacted] HUD [redacted] reflects a mortgage payoff of $[redacted] and $[redacted] Please provide evidence the liens have been satisfied and will not have negative impact on final title policy. | Reviewer Comment (2026-10-01): Final Title Policy received, exception cleared. Buyer Comment (2026-09-29): final title policy |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226263436 | [Redacted] | [Redacted] | 37549326 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty | [redacted] Prepayment Penalty: Loan prepay term of [redacted] months exceeds state [redacted] | Reviewer Comment (2026-10-28): Outside counsel has advised that while not entirely clear, given that DC Code § [redacted](h) specifically appears to state [redacted], they believe there's a solid basis to conclude that no applicable restrictions apply to non-owner-occupied investment properties. Reviewer Comment (2026-10-28): This has been escalated. Buyer Comment (2026-10-26): Please reconsider this exception based on the attached guidance from [redacted]'s Assistant General Counsel. The subject loan is secured by an investment property and is not the borrower's primary residence. Per the legal guidance provided, D.C. Code § [redacted]-[redacted](d)([redacted])(C) provides an applicable exemption for qualifying investment-purpose transactions. Based on this guidance, the [redacted]-month prepayment penalty limitation cited in the exception does not apply to this transaction, and the [redacted]-month prepayment penalty term is permissible. Please review the attached legal guidance and clear this exception accordingly. Reference: https://code.dccouncil.gov/us/dc/council/code/sections/[redacted]-[redacted] |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DC | Investment | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | N/A | N/A | No | |||||||||||
| 226263946 | [Redacted] | [Redacted] | 37551050 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | Reviewer Comment (2026-09-28): Received short term rental schedule [redacted]g with DSCR worksheet to support DSCR of [redacted]. Exception cleared. Buyer Comment (2026-09-24): [redacted], DSCR Calc, Exception Buyer Comment (2026-09-24): [redacted] respectfully disagrees with [redacted] DSCR Designation. To support, uploaded please find Approved exception, [redacted] and DSCR calculator to support [redacted]. Please review and update [redacted] |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| 226263946 | [Redacted] | [Redacted] | 37551092 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Birth Date was not provided | - | Reviewer Comment (2026-09-23): Member details are not required. Exception cleared. Buyer Comment (2026-09-22): please cancel, [redacted] & [redacted] are not on the loan they only signed as additional llc members |
09/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226263946 | [Redacted] | [Redacted] | 37551099 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | Reviewer Comment (2026-09-23): Received OFAC search for [redacted] and [redacted]. Exception cleared. Buyer Comment (2026-09-22): ofac for [redacted] & [redacted] upld |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226263946 | [Redacted] | [Redacted] | 37693655 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception was approved at origination for non-warrantable condo exceeds standard project eligibility. Compensating factors are loan to value [redacted]% or more under requirement, FICO [redacted] points or more above requirement and low [redacted]% with substantial borrower equity. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-05): Client elects to downgrade and waive with compensating factors. Buyer Comment (2026-10-01): please see except aprvl on [redacted] |
10/05/2026 | Yes | 2 | B | B | B | B | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 226264146 | [Redacted] | [Redacted] | 37551252 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date [redacted], Disbursement Date: [redacted]. | Reviewer Comment (2026-09-29): Received revised policy. Exception cleared. Buyer Comment (2026-09-28): Hazard |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226264146 | [Redacted] | [Redacted] | 37551261 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification was not found in file for address [redacted]. | Reviewer Comment (2026-10-09): Cleared. Received HOA doc Reviewer Comment (2026-10-07): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Insurance Verification Buyer Comment (2026-10-07): Updated [redacted] and HOA dues Buyer Comment (2026-10-07): Tax Calculation for [redacted] Reviewer Comment (2026-09-29): As per final [redacted], total PITIA $[redacted] used to qualify however as per documents P&I-$[redacted] tax-$[redacted] HOI-$[redacted] verified. Required supporting document hoa to verify remaining expenses. Exception remains. Buyer Comment (2026-09-28): Insurance |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226264146 | [Redacted] | [Redacted] | 37551264 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement was not found in file. | Reviewer Comment (2026-09-29): Received e-sign consent. Exception cleared. Buyer Comment (2026-09-28): eConsent |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226264146 | [Redacted] | [Redacted] | 37551346 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] No cure provided. | Reviewer Comment (2026-10-23): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-22): PCCD with cure , sent out today Reviewer Comment (2026-10-07): This detail is required under SFA. [redacted] must be able to document a reason for a change. In this case, what happened that the appraisal became complex? Was this an issue that should/could have been known at origination? TIRD Grid [redacted], Additional Considerations, Row [redacted], Changed of Circumstance states: DocumentationA recent CFPB Supervisory Highlight (see Appendix section) has increased focus on the sufficiency of Change of Circumstance ("COC") documentation. When a lender issues a revised loan estimate reflecting an increase in fee(s) subject to tolerance, sufficient COC documentation is required to rebaseline fee amounts. The regulation provides that "the creditor must be able to show compliance with § [redacted](e) by documenting the original estimate of the cost at issue, explaining the reason for revision and how it affected settlement costs, showing that the corrected disclosure increased the estimate only to the extent that the reason for revision actually increased the cost, and showing that the timing requirements of § [redacted](e)([redacted]) were satisfied." To comply with the COC requirements and rebaseline fee amounts, TPRs will look to the COC documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The COC documentation, at a minimum, should include: [redacted]) The original estimate of the cost (can be documented through fee amounts disclosed on the initial LE); [redacted]) specific reason for the revision and how it impacted the specific fee(s) that increased; [redacted]) the revised amount (can be documented through fee amounts disclosed on the revised LE/CD but increase must correspond with actual change resulting from documented COC and only fees related to the specific COC are considered for rebaseline); and [redacted]) the date of the changed circumstance (i.e. the date the creditor received information sufficient to establish that one of the reasons for revision provided under §[redacted] through [redacted] has occurred) The COC information can be contained on multiple documents (COC doc, screenshot of notes on an LOS or [redacted], rate lock agreement, communication logs, etc.) but ideally centralized in the file for an efficient review. Documentation of borrower requested changes should include the date of the borrower's change request and be documented in writing through copy of borrower emails, communication logs, screenshot of LO notes in LOS, etc. See Appendix for examples of sufficient and insufficient COC documentation. Additionally, TRID Grid [redacted], Additional Considerations, Row [redacted], Appendix, Changed of Circumstance states: To illustrate, see examples of sufficient vs. insufficient COC reasons: Recording Fee - Insufficient - Received invoice reflecting a higher amount- Sufficient - Recording fee increased by $[redacted] due to addition of a POA requested by borrower on [date]; or County recorder's office increased its fees after initial disclosure. Appraisal Fee- Insufficient - Market fluctuations; or Borrower Requested change (with no additional documentation); or Loan Program/Investor Change (with no additional information); or Appraisal Rush or Reinspection order/invoice received (with no additional information) - Sufficient - Appraiser discovered that home was PUD rather than SFR and notified borrower of $[redacted] increase in appraisal cost on [date]; or Borrower email documenting request for appraisal rush on [date]; or Appraisal came in lower resulting in higher LTV. Borrower no longer qualifies for the same investor program due to LTV. New program/investor determined on [date] requires AVM increasing appraisal cost. Reviewer Comment (2026-09-30): [redacted] received LOX stating fee increased due to complexity. However, we required the reason as to what caused the property to be complex. Kindly provide detail reason for complexity in order to clear the exception Buyer Comment (2026-09-28): RLE with COC and proof appraisal fee confirmed |
10/23/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226264146 | [Redacted] | [Redacted] | 37704382 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Reviewer Comment (2026-10-23): [redacted] received econsent agreements and agreement confirming relationship consent on agreement and older econsent acceptable Reviewer Comment (2026-10-16): [redacted] received rebuttal comment. However, please see doc ID[redacted] provided blend compliance report indicates the electronic consent date on [redacted] for loan #[redacted]. In order to accept an older pre-application dated e consent, provide the actual e consent agreement from [redacted] to determine that the consent was given for the relationship and not for the prior transaction only [redacted]g with an attestation from the seller indicating the borrower never revoked their consent. Buyer Comment (2026-10-15): Our eConsent is transaction specific, as evidenced by the loan number at the top of the eConsent form. It is not time based, and no additional documentation should be required. Reviewer Comment (2026-10-09): [redacted] received disclosure summary indicates e-consent eConsent dated [redacted]. The E- sign consent was agreed to before the application date.(approximately [redacted] year prior) In order to accept an older pre-application dated e consent, provide the actual e consent agreement from [redacted] to determine that the consent was given for the relationship and not for the prior transaction only [redacted]g with an attestation from the seller indicating the borrower never revoked their consent. Buyer Comment (2026-10-07): eConsent showing dated prior to the application date |
10/23/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226264424 | [Redacted] | [Redacted] | 37553786 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy effective date [redacted], which is after the Note Date [redacted]. Kindly provide a Hazard Insurance Policy with an effective date of [redacted]. | Reviewer Comment (2026-10-08): Received updated policy. Cleared. Buyer Comment (2026-09-24): HOI UPDATED Reviewer Comment (2026-09-24): The provided Doc ID #[redacted] reflects an disbursement date of [redacted], while the Note Date is [redacted]. Please provide a Hazard Insurance Policy with an effective date of [redacted] to evidence coverage as of the Note Date. Exception remains. Buyer Comment (2026-09-22): See[redacted]. FSS was updated as disbursement wasn't until [redacted]. |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226264833 | [Redacted] | [Redacted] | 37555656 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Application date [redacted], LE date [redacted] | Reviewer Comment (2026-09-21): [redacted] received initial LE. Buyer Comment (2026-09-18): Please see attached. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226264848 | [Redacted] | [Redacted] | 37557149 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-10-02): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-01): PCCD Reviewer Comment (2026-09-30): [redacted] received LOX for rebuttal response. However, the transfer taxes of $[redacted] was rounded down and should have been rounded up of $[redacted] on LE. Provide refund cure of $[redacted] with cure documents in order to cure this exception. Buyer Comment (2026-09-29): TRID |
10/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226264848 | [Redacted] | [Redacted] | 37557151 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. | There is no seller paid fee on closing disclosure. | Reviewer Comment (2026-09-30): [redacted] received a seller CD with the seller paid closing costs. Buyer Comment (2026-09-29): TRID |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226264851 | [Redacted] | [Redacted] | 37557203 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___. | As per Available asset document for Reserves of $[redacted] is less than requirement for Reserves of $[redacted] | Reviewer Comment (2026-10-05): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-01): exception Reviewer Comment (2026-09-30): Require additional bank statement with reserve to fulfill the reserve requirement as per calculation subject PITIA $[redacted]*[redacted]=$[redacted]+ [redacted] REO PITIA $[redacted]+$[redacted]=$[redacted] however available reserve amount is $[redacted] Exception Remains. Buyer Comment (2026-09-28): Please provide breakdown on the how the reserves are being calculated... either number of months ???? or inclkuding PITIA from the REO's |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226264851 | [Redacted] | [Redacted] | 37557238 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to reserve and bank statement requirement not met | Reviewer Comment (2026-10-05): Lender Exception with Compensating Factors provided. Reviewer Comment (2026-09-30): Require additional bank statement with reserve to fulfill the reserve requirement as per calculation subject PITIA $[redacted]*[redacted]=$[redacted]+ [redacted] REO PITIA $[redacted]+$[redacted]=$[redacted](reserve amount require) however available reserve amount is $[redacted] Exception Remains. Buyer Comment (2026-09-29): Exception |
10/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226264851 | [Redacted] | [Redacted] | 37557239 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to reserve and bank statement requirement not met | Reviewer Comment (2026-10-05): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-01): exception Reviewer Comment (2026-09-30): Require additional bank statement with reserve to fulfill the reserve requirement as per calculation subject PITIA $[redacted]*[redacted]=$[redacted]+ [redacted] REO PITIA $[redacted]+$[redacted]=$[redacted](reserve amount require) however available reserve amount is $[redacted] Exception Remains. Buyer Comment (2026-09-29): LOE |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226264851 | [Redacted] | [Redacted] | 37558955 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Insufficient assets are provided for reserves. | Reviewer Comment (2026-10-05): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-01): exception Reviewer Comment (2026-09-30): Require additional bank statement with reserve to fulfill the reserve requirement as per calculation subject PITIA $[redacted]*[redacted]=$[redacted]+ [redacted] REO PITIA $[redacted]+$[redacted]=$[redacted](reserve amount require) however available reserve amount is $[redacted] Exception Remains. Buyer Comment (2026-09-29): LOE |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226264851 | [Redacted] | [Redacted] | 37558969 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Insufficient assets are provided for reserves. | Reviewer Comment (2026-10-05): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-01): exception Reviewer Comment (2026-09-30): Require additional bank statement with reserve to fulfill the reserve requirement as per calculation subject PITIA $[redacted]*[redacted]=$[redacted]+ [redacted] REO PITIA $[redacted]+$[redacted]=$[redacted](reserve amount require) however available reserve amount is $[redacted] Exception Remains. Buyer Comment (2026-09-29): LOE |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226264978 | [Redacted] | [Redacted] | 37556557 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-10-01): [redacted] received valid COC document Buyer Comment (2026-09-29): RCDs with COC and locks for discount points |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226265141 | [Redacted] | [Redacted] | 37556369 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance nor evidence of cure was provided in file for increase in Survey Fee. | Reviewer Comment (2026-10-02): [redacted] received Corrected PCCD and LOE moving survey fee to section H. Buyer Comment (2026-10-01): survey fee rebuttal and pccd docs with cure for credit report fee upld Reviewer Comment (2026-09-23): [redacted] received rebuttal comment. However, the fee was added on CD section B under borrower did not shop for service. Hence, [redacted] is unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee then a cure is due to the borrower. If the service is optional (borrower chosen and not required by title or lender) and the survey completed on their own, then please provide attestation letter to move the fee from section B to H. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-09-21): please see page [redacted] of the purchase agreement on[redacted], the bwr opted for the survey, [redacted] does not require it for this loan program |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226265141 | [Redacted] | [Redacted] | 37556370 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance nor evidence of cure was provided in file for increase in Credit Report Fee. | Reviewer Comment (2026-10-02): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-01): survey fee rebuttal and pccd docs with cure for credit report fee upld to trl docs |
10/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NM | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226265143 | [Redacted] | [Redacted] | 37578425 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-09-28): Title supplement with coverage equal to loan amount. Buyer Comment (2026-09-25): Loan amount update |
09/28/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Investment | Purchase | B | A | B | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 226265355 | [Redacted] | [Redacted] | 37555691 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | updated as per document DSCR=$[redacted]/$[redacted] Tax (Monthly)=$[redacted] Hazard=$[redacted] HOA Dues (Monthly)=$[redacted] |
Reviewer Comment (2026-09-17): Updated bid tape provided. |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226265420 | [Redacted] | [Redacted] | 37556809 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement missing for the REO property address. | Reviewer Comment (2026-09-28): Mortgage statement received. Buyer Comment (2026-09-25): Statements |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226265492 | [Redacted] | [Redacted] | 37557150 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Missing signed Unanimous Consent & Resolution. | Reviewer Comment (2026-10-01): Received Unanimous Consent & Resolution. Exception cleared. Buyer Comment (2026-09-29): Unanimous Consent & Resolution. |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226265492 | [Redacted] | [Redacted] | 37561594 | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided | Subject is an investment property and [redacted] is not provided. Appraiser to provide most recent market analysis report on subject. Additional requirement may apply. | Reviewer Comment (2026-09-24): Revalidated as rental income is not being used for the subject property. Form [redacted] Rent Comparison Schedule is not required. Exception cleared. Buyer Comment (2026-09-22): Rental income is not being claimed on subject. Not applicable. |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226267058 | [Redacted] | [Redacted] | 37556801 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Final Appraisal was not found in the Loan File. | Reviewer Comment (2026-09-30): Received Appraisal document, information validated. Exception Cleared. Buyer Comment (2026-09-28): Appraisal |
09/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Refinance - Rate/Term | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 226267058 | [Redacted] | [Redacted] | 37556813 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | Final Appraisal was not found in the Loan File. | Reviewer Comment (2026-09-30): Received Appraisal document, information validated. Exception Cleared. |
09/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Refinance - Rate/Term | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 226267634 | [Redacted] | [Redacted] | 37556984 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-14): Sufficient Cure Provided At Closing |
09/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226267634 | [Redacted] | [Redacted] | 37563880 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | The non-QM qualification method is the greater of the fully indexed rate at fully amortized payment or the note rate at fully amortized payment. (Investor qualification method not matching ATR). | Reviewer Comment (2026-09-28): Received the revised [redacted] and updated Bid Tape DTI. Exception cleared. Buyer Comment (2026-09-25): bid tape is updated Reviewer Comment (2026-09-22): Received [redacted] with correct DTI but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-09-18): [redacted] |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226267634 | [Redacted] | [Redacted] | 37565482 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The non-QM qualification method is the greater of the fully indexed rate at fully amortized payment or the note rate at fully amortized payment. (Investor qualification method not matching ATR). Verification of percentage ownership of business was not found in the file. | Reviewer Comment (2026-09-28): As per the Articles of Incorporation, the business has a single member and income documentation requirements are satisfied. Bid tape DTI corrected. Exception cleared. Buyer Comment (2026-09-25): bid tape is updated Reviewer Comment (2026-09-22): CPA letter with business ownership percentage or operating agreement is required. Exception remains. Buyer Comment (2026-09-18): see uploaded |
09/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226267634 | [Redacted] | [Redacted] | 37565483 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The non-QM qualification method is the greater of the fully indexed rate at fully amortized payment or the note rate at fully amortized payment. (Investor qualification method not matching ATR). Verification of percentage ownership of business was not found in the file. | Reviewer Comment (2026-09-28): As per the Articles of Incorporation, the business has a single member and income documentation requirements are satisfied. Bid tape DTI corrected. Exception cleared. Buyer Comment (2026-09-25): bid tape is updated Reviewer Comment (2026-09-22): CPA letter with business ownership percentage or operating agreement is required. Exception remains. Buyer Comment (2026-09-18): see uploaded |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226267634 | [Redacted] | [Redacted] | 37582781 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Verification of percentage ownership of business was not found in the file. | Reviewer Comment (2026-09-28): As per the Articles of Incorporation, the business has a single member and income documentation requirements are satisfied. Exception cleared. Buyer Comment (2026-09-25): There is only [redacted] member of the business per the Articles Buyer Comment (2026-09-25): bid tape is updated Reviewer Comment (2026-09-22): CPA letter with business ownership percentage or operating agreement is required. Exception remains. Buyer Comment (2026-09-18): Articles |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226267634 | [Redacted] | [Redacted] | 37582783 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verification of percentage ownership of business was not found in the file. | Reviewer Comment (2026-09-28): As per the Articles of Incorporation, the business has a single member and income documentation requirements are satisfied. Exception cleared. Buyer Comment (2026-09-25): There is only [redacted] member of the business per the Articles Reviewer Comment (2026-09-22): CPA letter with business ownership percentage or operating agreement is required. Exception remains. Buyer Comment (2026-09-18): see uploaded |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226267634 | [Redacted] | [Redacted] | 37582823 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Verification of percentage ownership of business was not found in the file. | Reviewer Comment (2026-09-28): As per the Articles of Incorporation, the business has a single member and income documentation requirements are satisfied. Exception cleared. Buyer Comment (2026-09-25): There is only [redacted] member of the business per the Articles Reviewer Comment (2026-09-22): CPA letter with business ownership percentage or operating agreement is required. Exception remains. Buyer Comment (2026-09-18): see uploaded |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226268170 | [Redacted] | [Redacted] | 37558073 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-09-23): Received proof of appraisal delivery . Exception Cleared. Buyer Comment (2026-09-22): receipts for initial [redacted] and [redacted] aprsls upld to tl docs, the revisions to both were clerical only and proof of delivery isn't required. |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226268170 | [Redacted] | [Redacted] | 37558074 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Reviewer Comment (2026-09-23): Received proof of appraisal delivery . Exception Cleared. Buyer Comment (2026-09-22): receipts for initial [redacted] and [redacted] aprsls upld, the revisions to both were clerical only and proof of delivery isn't required. |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226268170 | [Redacted] | [Redacted] | 37558083 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee Amount of $[redacted] exceeds tolerance of $[redacted] | Reviewer Comment (2026-09-24): [redacted] received updated LE and valid changed circumstances. Buyer Comment (2026-09-22): there were [redacted] lock extensions [redacted], [redacted] & [redacted], i am uploading the locks, revised [redacted] le/tracking, [redacted] coc and [redacted] coc, the corresponding docs provided in the file are on [redacted] ([redacted] coc), [redacted] ([redacted] cd) and [redacted] ([redacted] cd) |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226268170 | [Redacted] | [Redacted] | 37558084 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee Amount of $[redacted] exceeds tolerance of $[redacted] | Reviewer Comment (2026-10-07): [redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance. Buyer Comment (2026-10-05): rebuttal upld Reviewer Comment (2026-10-05): [redacted] received the rebuttal response indicating that prior appraisals are not required and that the information is contained within the appraisal provided in the loan file. However, supporting documentation evidencing the appraisal history reviewed by the appraiser was not provided for validation. Please provide supporting documentation, such as the prior appraisal(s), appraisal transfer documentation, appraisal review report, or other evidence referenced by the appraiser, to support the conclusion and allow [redacted] to reevaluate and re-baseline this exception. Buyer Comment (2026-10-01): prior appraisals are not required, this information is contained in the appraisal provided in this file. please review Reviewer Comment (2026-10-01): [redacted] received rebuttal, however we do not have any appraisal available in file which is dated [redacted] or [redacted]. Please provide the previous appraisal and appraisal transfer letter to re-evaluate the exception. Buyer Comment (2026-09-29): the appraisal was reviewed and it reflected the last transfer was [redacted] for $[redacted] with a prior transfer [redacted] deeming it a flipped property, [redacted] aprsls were required and the [redacted] was disclosed to the borrower. Reviewer Comment (2026-09-28): [redacted] received lender rate lock. However, did not receive additional clarification from lender to specify what changes occurred for the [redacted] appraisal added. [redacted] notes the different changes in pricing breakdown, but are missing the explanation of what reason for these changes that required to add the [redacted] appraisal fee. Please provide documentation of the reason for the increase in the appraisal fee What information was received that required the increase in the fee and when was that information received. Buyer Comment (2026-09-24): please clear, the coc reflects a valid reason-[redacted] aprsl added due to loan becoming hpml. [redacted] aprsls are required with a hpml loan with a Flipped Property Reviewer Comment (2026-09-24): [redacted] received updated LE and COC dated [redacted]. However, this does not sufficiently explain the reason for the fee increase. Please provide documentation of the reason for the increase in the appraisal fee What information was received that required the increase in the fee and when was that information received. Buyer Comment (2026-09-22): please see valid coc on [redacted], we initially disclosed $[redacted] we -redisclosed the [redacted] aprsl fee $[redacted] with the coc on [redacted], the total charged for both aprsls was $[redacted] ($[redacted] each) |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226268170 | [Redacted] | [Redacted] | 37558085 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Amount of $[redacted] exceeds tolerance of $[redacted] | Reviewer Comment (2026-09-24): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-09-22): please cancel this was cured at closing on the final cd sect j |
09/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226268170 | [Redacted] | [Redacted] | 37760963 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-07): Sufficient Cure Provided At Closing |
10/07/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226269758 | [Redacted] | [Redacted] | 37569209 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted]/[redacted] or Lease Agreement missing for subject property. | Reviewer Comment (2026-10-06): Received required documentation. Condition cleared. |
10/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | PA | Primary | Refinance - Cash-out - Home Improvement | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226269758 | [Redacted] | [Redacted] | 37569210 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | [redacted]/[redacted] or Lease Agreement missing for subject property. | Reviewer Comment (2026-10-06): Received required documentation. Condition cleared. Buyer Comment (2026-10-02): Rebuttal , requested bid tape updated |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Home Improvement | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226269758 | [Redacted] | [Redacted] | 37569212 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | [redacted]/[redacted] or Lease Agreement missing for subject property. | Reviewer Comment (2026-10-06): Received required documentation. Condition cleared. |
10/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Home Improvement | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226269758 | [Redacted] | [Redacted] | 37569213 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Review increased to $[redacted] without a valid Change of Circumstance; however, cure was provided to the borrower. | Reviewer Comment (2026-09-15): Sufficient Cure Provided At Closing |
09/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226269758 | [Redacted] | [Redacted] | 37750232 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI exceeds maximum. Per lender trailing docs, some debts are being excluded due to business paying. Unable to determine what debts are being excluded. Unable to exclude the mortgage payments on the investment property as income is being used on these properties. | Reviewer Comment (2026-10-20): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-10-16): As stated in rebuttal the [redacted] payment of $[redacted] made by business . The Assets [redacted] payment of $[redacted] is also paid by business and is less than [redacted] months. See business statements |
10/20/2026 | No | 1 | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Home Improvement | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226269758 | [Redacted] | [Redacted] | 37750236 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI exceeds maximum. Per lender trailing docs, some debts are being excluded due to business paying. Unable to determine what debts are being excluded. Unable to exclude the mortgage payments on the investment property as income is being used on these properties. | Reviewer Comment (2026-10-20): Received clarification/approval/documentation from lender. Condition cleared. |
10/20/2026 | No | 1 | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Home Improvement | Lender to provide updated ATR/QM Loan Designation | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226269758 | [Redacted] | [Redacted] | 37750237 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | DTI exceeds maximum. Per lender trailing docs, some debts are being excluded due to business paying. Unable to determine what debts are being excluded. Unable to exclude the mortgage payments on the investment property as income is being used on these properties. | Reviewer Comment (2026-10-20): Received clarification/approval/documentation from lender. Condition cleared. |
10/20/2026 | No | 1 | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Home Improvement | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 226269758 | [Redacted] | [Redacted] | 37750238 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI exceeds maximum. Per lender trailing docs, some debts are being excluded due to business paying. Unable to determine what debts are being excluded. Unable to exclude the mortgage payments on the investment property as income is being used on these properties. | Reviewer Comment (2026-10-20): Received clarification/approval/documentation from lender. Condition cleared. |
10/20/2026 | No | 1 | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Home Improvement | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 226269758 | [Redacted] | [Redacted] | 37750246 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI exceeds maximum. Per lender trailing docs, some debts are being excluded due to business paying. Unable to determine what debts are being excluded. Unable to exclude the mortgage payments on the investment property as income is being used on these properties. | Reviewer Comment (2026-10-20): Received clarification/approval/documentation from lender. Condition cleared. Reviewer Comment (2026-10-20): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. |
10/20/2026 | No | 1 | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Home Improvement | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226269759 | [Redacted] | [Redacted] | 37559270 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Lease Agreement was not found for month-to-month rental unit [redacted]. | Reviewer Comment (2026-10-30): Information revalidated. Exception cleared. Buyer Comment (2026-10-28): Please see the Letter of Explanation from [redacted] confirming that all tenants for Units [redacted] through [redacted] are on month-to-month rental arrangements and no written lease agreements exist. As confirmed in the attached documentation, lease agreements cannot be provided because none exist for these tenants. Please accept the Letter of Explanation in lieu of the requested lease agreements and clear all [redacted] outstanding lease agreement conditions. |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226269759 | [Redacted] | [Redacted] | 37559277 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Lease Agreement was not found for month-to-month rental unit [redacted]. | Reviewer Comment (2026-10-30): Information revalidated. Exception cleared. Buyer Comment (2026-10-28): Please see the Letter of Explanation from [redacted] confirming that all tenants for Units [redacted] through [redacted] are on month-to-month rental arrangements and no written lease agreements exist. As confirmed in the attached documentation, lease agreements cannot be provided because none exist for these tenants. Please accept the Letter of Explanation in lieu of the requested lease agreements and clear all [redacted] outstanding lease agreement conditions. |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226269759 | [Redacted] | [Redacted] | 37559279 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Lease Agreement was not found for month-to-month rental unit [redacted]. | Reviewer Comment (2026-10-30): Information revalidated. Exception cleared. Buyer Comment (2026-10-28): Please see the Letter of Explanation from [redacted] confirming that all tenants for Units [redacted] through [redacted] are on month-to-month rental arrangements and no written lease agreements exist. As confirmed in the attached documentation, lease agreements cannot be provided because none exist for these tenants. Please accept the Letter of Explanation in lieu of the requested lease agreements and clear all [redacted] outstanding lease agreement conditions. |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226269759 | [Redacted] | [Redacted] | 37559282 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Lease Agreement was not found for month-to-month rental unit [redacted]. | Reviewer Comment (2026-10-30): Information revalidated. Exception cleared. Buyer Comment (2026-10-28): Please see the Letter of Explanation from [redacted] confirming that all tenants for Units [redacted] through [redacted] are on month-to-month rental arrangements and no written lease agreements exist. As confirmed in the attached documentation, lease agreements cannot be provided because none exist for these tenants. Please accept the Letter of Explanation in lieu of the requested lease agreements and clear all [redacted] outstanding lease agreement conditions. |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226269759 | [Redacted] | [Redacted] | 37585970 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [redacted] reflects that an exception was approved for cash deposits on all [redacted] units and month-to-month tenancy. Lender Exception Approval Form was missing. | Borrower has owned the subject property for at least [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Occupancy: [redacted] Reserves: [redacted] Guideline Requirement: [redacted] Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-30): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-28): Please see attached |
10/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||
| 226273347 | [Redacted] | [Redacted] | 37558189 | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. | The Final Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Commitment in file disclosed $[redacted] of title insurance coverage; however, this is less than the loan amount of $[redacted] Provide a copy of the Final Title Policy or an Addendum to the Title Preliminary/Commitment Report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-09-18): Received revised Title Commitment document title policy amount re-validated accordingly. Exception Cleared. Seller Comment (2026-09-16): updated |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226273347 | [Redacted] | [Redacted] | 37558210 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance coverage is insufficient by $[redacted] Provide verification of the policy with sufficient coverage or provide a copy of the Insurer's Replacement Cost Estimate supporting the current coverage amount. | Reviewer Comment (2026-09-18): As per Hazard insurance document information re-validated. Exception Cleared. Seller Comment (2026-09-16): Guaranteed Replacement Cost included, see email from HOI |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226273598 | [Redacted] | [Redacted] | 37579300 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Verified reserves of [redacted] months are insufficient to meet the reserve requirement of [redacted] months. Unable to source the [redacted] EMDs showing these funds cleared the customers account. Once received, loan will be re-ran to determine compliance. | Reviewer Comment (2026-10-07): Received bank Statement. Exception Cleared. Buyer Comment (2026-10-03): Please see attached business asset funds. I have provided CPA letter showing borrowers are [redacted]% owners of the business and an exchange rate calculator converting assets from Euros to Dollars. Since this is a DSCR and these assets are for reserves only and were not used for funds to close, a cash flow analysis is not required. |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226273642 | [Redacted] | [Redacted] | 37569641 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-15): Sufficient Cure Provided At Closing |
09/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226273642 | [Redacted] | [Redacted] | 37578283 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-10-06): [redacted] received e-sign consent. Buyer Comment (2026-10-05): E-Sign Consent |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226273642 | [Redacted] | [Redacted] | 37578299 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was disclosed as $[redacted] on the initial Loan Estimate but was disclosed as $[redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase. The cure provided at closing ($[redacted]) is insufficient to address [redacted] | Reviewer Comment (2026-10-07): [redacted] received Post CD and LOX. Buyer Comment (2026-10-06): Moved to section H Buyer Comment (2026-10-06): Per title the borrower wanted survey. This is borrower shopped as it's not what's listed on our providers list. |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226273642 | [Redacted] | [Redacted] | 37578300 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $[redacted] on the initial Loan Estimate but was disclosed as $[redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[redacted]) is sufficient to address [redacted] | Reviewer Comment (2026-10-06): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-10-05): See page [redacted] section J. Already cured at closing. |
10/06/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226273803 | [Redacted] | [Redacted] | 37573626 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-10-07): [redacted] received valid COC dated [redacted] [redacted]g with CD. Buyer Comment (2026-10-06): RCD with COC for loan increase, extension of lock, etc |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226273803 | [Redacted] | [Redacted] | 37573627 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-10-07): [redacted] received valid COC dated [redacted] [redacted]g with CD. Buyer Comment (2026-10-06): RCD with COC for loan increase, extension of lock, etc Buyer Comment (2026-10-06): RCD with COC |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226273803 | [Redacted] | [Redacted] | 37573628 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-10-07): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226273803 | [Redacted] | [Redacted] | 37573906 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy amount of $[redacted] is less than the note amount of $[redacted] based on the Commitment in file. | Reviewer Comment (2026-10-08): updated document provided Buyer Comment (2026-10-07): Title |
10/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226273803 | [Redacted] | [Redacted] | 37573911 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [redacted] is less than guideline minimum FICO score of [redacted]. | Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has owned the subject property for at least [redacted] years. Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-08): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-06): exception |
10/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 226273803 | [Redacted] | [Redacted] | 37762343 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-07): Sufficient Cure Provided At Closing |
10/07/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226273803 | [Redacted] | [Redacted] | 37762344 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-07): Sufficient Cure Provided At Closing |
10/07/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226274509 | [Redacted] | [Redacted] | 37577517 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | CPA Letter is missing document date. Unable to verify business was active within [redacted] days prior to Note Date. | Reviewer Comment (2026-10-08): Business narrative was completed by CPA and is dated [redacted]. Buyer Comment (2026-10-06): This shouldn't be required. The borrower is a schedule C [redacted]. We have the business license that covers [redacted] years. See [redacted] |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226274509 | [Redacted] | [Redacted] | 37577557 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing document date on CPA Letter. Unable to verify business was active within [redacted] days prior to Note Date. | Reviewer Comment (2026-10-08): Business narrative was completed by CPA and is dated [redacted]. Buyer Comment (2026-10-06): This shouldn't be required. The borrower is a schedule C [redacted]. We have the business license that covers [redacted] years. See [redacted] |
10/08/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OH | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226274509 | [Redacted] | [Redacted] | 37577558 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing document date on CPA Letter. Unable to verify business was active within [redacted] days prior to Note Date. | Reviewer Comment (2026-10-08): Business narrative was completed by CPA and is dated [redacted]. Buyer Comment (2026-10-06): This shouldn't be required. The borrower is a schedule C [redacted]. We have the business license that covers [redacted] years. See [redacted] |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226274509 | [Redacted] | [Redacted] | 37577561 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-15): Sufficient Cure Provided At Closing |
09/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226274509 | [Redacted] | [Redacted] | 37577564 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | CPA Letter is missing document date. Unable to verify business was active within [redacted] days prior to Note Date. | Reviewer Comment (2026-10-08): Business narrative was completed by CPA and is dated [redacted]. Buyer Comment (2026-10-06): This shouldn't be required. The borrower is a schedule C [redacted]. We have the business license that covers [redacted] years. See [redacted] |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226274509 | [Redacted] | [Redacted] | 37577565 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | CPA Letter is missing document date. Unable to verify business was active within [redacted] days prior to Note Date. | Reviewer Comment (2026-10-08): Business narrative was completed by CPA and is dated [redacted]. Buyer Comment (2026-10-06): This shouldn't be required. The borrower is a schedule C [redacted]. We have the business license that covers [redacted] years. See [redacted] |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226276136 | [Redacted] | [Redacted] | 37570353 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | Guidelines requirements were not met for use of an Outside Appraisal. | Reviewer Comment (2026-10-07): As per Note, Security Instrument, Closing Disclosure and other documents [redacted] is a DBA of [redacted]. Exception cleared Buyer Comment (2026-10-03): Please note [redacted] is a DBA of [redacted]. See CD that referenced [redacted]. |
10/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | C | A | C | A | A | A | B | A | N/A | N/A | No | ||||||||||
| 226276136 | [Redacted] | [Redacted] | 37570519 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verbal Verification of Employment within [redacted] business days of the Note Date was not found in file. | Reviewer Comment (2026-10-08): Verification of employment received. Details verified and updated. Exception cleared. Buyer Comment (2026-10-06): Please see attached VVOE and PVVOE. The VOE is dated after the note date therefor we need to make sure the loan is designated as QM APOR Safe Harbor as post note VVOE is acceptable with that designation |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | B | A | N/A | N/A | No | ||||||||||
| 226276136 | [Redacted] | [Redacted] | 37585974 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verbal Verification of Employment within [redacted] business days of the Note Date was not found in file. | Reviewer Comment (2026-10-08): Verification of employment received. Details verified and updated. Exception cleared. Buyer Comment (2026-10-06): Please see attached VVOE and PVVOE. The VOE is dated after the note date therefor we need to make sure the loan is designated as QM APOR Safe Harbor as post note VVOE is acceptable with that designation |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | B | A | N/A | N/A | No | |||||||||||
| 226276136 | [Redacted] | [Redacted] | 37585976 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Verbal Verification of Employment within [redacted] business days of the Note Date was not found in file. | Reviewer Comment (2026-10-08): Verification of employment received. Details verified and updated. Exception cleared. Buyer Comment (2026-10-06): Please see attached VVOE and PVVOE. The VOE is dated after the note date therefor we need to make sure the loan is designated as QM APOR Safe Harbor as post note VVOE is acceptable with that designation |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | B | A | N/A | N/A | No | ||||||||||
| 226277635 | [Redacted] | [Redacted] | 37578814 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/[redacted] was not provided. | - | Reviewer Comment (2026-10-02): Form 1004D/[redacted], cleared Buyer Comment (2026-10-01): Please see attached completion report |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Refinance - Cash-out - Other | C | A | A | A | C | A | N/A | No | ||||||||||||||
| 226278941 | [Redacted] | [Redacted] | 37578751 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Closing Statement is not signed by all parties. | Reviewer Comment (2026-09-30): Received final closing statement. Exception cleared. Buyer Comment (2026-09-29): final settlement statement Reviewer Comment (2026-09-29): Received only the signature page. Provide complete closing statement [redacted]g with signature page signed by all parties. Exception remains Buyer Comment (2026-09-28): signature page |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226278941 | [Redacted] | [Redacted] | 37578752 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment is missing in file. | Reviewer Comment (2026-10-02): ] Buyer Comment (2026-10-01): note addendum |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| 226278949 | [Redacted] | [Redacted] | 37581028 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA verification was not found in the file for the primary residence. | Reviewer Comment (2026-09-21): Received HOA Verification and revalidated data. Exception Cleared. Seller Comment (2026-09-17): Please see the attached insurance for [redacted] [redacted] Drive. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226278953 | [Redacted] | [Redacted] | 37578891 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten percent tolerance was exceeded due to an increase in the Title - Endorsement Fee, Title - Processing Fee, and Title - Title Update on the final Closing Disclosure. No valid Change of Circumstance was provided; a cure was not provided at closing. | Reviewer Comment (2026-10-05): [redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-10-02): PCCD updated moving title fees to section C as borrower was allowed to shop however the provider borrower chose was same name however was not the same location. Our SSPL showed [redacted] t Title located at [redacted]., [redacted] IN [redacted] however borrower chose [redacted] Title located at [redacted] therefore the title fees have been moved to section C and we are not held to tolerance. |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226278953 | [Redacted] | [Redacted] | 37578892 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee amount of $[redacted] on the final Closing Disclosure exceeded the tolerance of $[redacted] $[redacted] was over the legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-05): [redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-10-02): Please refer to the final CD which already shows a lender credit for $[redacted] to cure this violation |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226278953 | [Redacted] | [Redacted] | 37740811 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-05): Sufficient Cure Provided At Closing |
10/05/2026 | No | 1 | A | A | A | A | A | IN | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226278956 | [Redacted] | [Redacted] | 37594731 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | DSCR discrepancy. Lender bid tape DSCR is at [redacted], however the lease was in the file with lower rents. DD DSCR is at [redacted]. | Reviewer Comment (2026-10-15): Received updated bid tape. Condition cleared. Buyer Comment (2026-10-14): Bid Tape should be updated Reviewer Comment (2026-10-01): Require Bid Tape to be updated to [redacted]. Exception Remains. Buyer Comment (2026-09-29): DSCR worksheet, requested bid tape correction |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226278963 | [Redacted] | [Redacted] | 37578704 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verbal Verification of Employment dated within [redacted] business days prior to Note Date was not found in file. | Reviewer Comment (2026-10-13): Used paystub dated within [redacted] days of closing AUS. Buyer Comment (2026-10-12): Per guidelines. Loans utilizing flexibilities provided by AUS findings may follow those findings for documentation requirements, including allowance for AUS validation services (i.e. WVOE or tax transcripts only) following applicable requirements. Per Aus a paysbtub within [redacted] business days of closing is acceptable. |
10/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226278963 | [Redacted] | [Redacted] | 37583545 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verbal Verification of Employment dated within [redacted] business days prior to Note Date was not found in file. | Reviewer Comment (2026-10-13): Cleared. Used paystub dated within [redacted] days of closing AUS. |
10/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226278963 | [Redacted] | [Redacted] | 37594403 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Verbal Verification of Employment dated within [redacted] business days prior to Note Date was not found in file. | Reviewer Comment (2026-10-13): Cleared. Used paystub dated within [redacted] days of closing AUS. |
10/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226278964 | [Redacted] | [Redacted] | 37578746 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Reviewer Comment (2026-10-02): [redacted] received lender attestation and documentation confirming PCCD dated incorrectly by borrower. Reviewer Comment (2026-10-01): Require PCCD document which shows signed dated after the issue date [redacted] as provided PCCD document is the same document which is already available consider in file. Exception Remains. Buyer Comment (2026-09-29): PCCD |
10/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 226278965 | [Redacted] | [Redacted] | 37578987 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-10-01): E-sign Consent Agreement received. Exception cleared. Buyer Comment (2026-09-29): e-consent |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226278966 | [Redacted] | [Redacted] | 37579052 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Unable to verify. [redacted] matches Due Diligence Calculated DTI. | Reviewer Comment (2026-09-24): Revalidated taxes with the Tax Certificate. Exception cleared. Buyer Comment (2026-09-22): Your taxes are incorrect. It should be [redacted] per month. then your DTI should be in line with ours |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226278966 | [Redacted] | [Redacted] | 37579063 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address [redacted] | City [redacted] | Reviewer Comment (2026-10-08): Received revised hazard insurance policy reflecting the city [redacted] Buyer Comment (2026-10-06): hoi |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226278966 | [Redacted] | [Redacted] | 37579066 | Credit | System | General | System | Flood Certificate Subject Address [redacted] | City [redacted] | Reviewer Comment (2026-09-24): Received Flood Certificate confirming the city [redacted] Buyer Comment (2026-09-22): flood cert |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226278966 | [Redacted] | [Redacted] | 37579083 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy and missing Business Narrative. | Reviewer Comment (2026-09-24): Revalidated taxes with the Tax Certificate. Exception cleared. Buyer Comment (2026-09-22): Your taxes are incorrect. It should be [redacted] per month. then your DTI should be in line with ours, and a narrative letter is not required for method [redacted] |
09/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226278966 | [Redacted] | [Redacted] | 37579084 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to DTI discrepancy and missing Business Narrative. | Reviewer Comment (2026-09-24): Revalidated taxes with the Tax Certificate. Exception cleared. Buyer Comment (2026-09-22): Your taxes are incorrect. It should be [redacted] per month. then your DTI should be in line with ours, and a narrative letter is not required for method [redacted] |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226278966 | [Redacted] | [Redacted] | 37579087 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Guaranty Fee was not disclosed on initial Loan Estimate, but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-09-30): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-28): PCCD, LOX, Label and Check |
09/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226278966 | [Redacted] | [Redacted] | 37579088 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was not disclosed on Loan Estimate, but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-10-02): [redacted] received LOX for the survey fee. Buyer Comment (2026-09-30): attestation Reviewer Comment (2026-09-30): [redacted] received Post CD and LOX by moving fee to section H. However, we are unable to determine from the file whether the lender or title company requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-09-28): see uploaded |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226278966 | [Redacted] | [Redacted] | 37594662 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Guidelines require a Self-Employed Business Narrative Form completed by either a CPA, Enrolled Agent (EA), licensed tax preparer, or licensed attorney for an expense ratio lower than [redacted]%. This was not in file. | Reviewer Comment (2026-09-24): Method [redacted] CPA Letter for Expense Ratio has been used. CPA letter confirming the expense ratio based on the most recent year's filed tax return is provided. Exception cleared. Buyer Comment (2026-09-22): This is not required. Please provide where in the guides this is a requirement to have a narrative letter for method [redacted] |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226278966 | [Redacted] | [Redacted] | 37594668 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Guidelines require a Self-Employed Business Narrative Form completed by either a CPA, Enrolled Agent (EA), licensed tax preparer, or licensed attorney for an expense ratio lower than [redacted]%. This was not in file. | Reviewer Comment (2026-09-24): Method [redacted] CPA Letter for Expense Ratio has been used. CPA letter confirming the expense ratio based on the most recent year's filed tax return is provided. Exception cleared. Buyer Comment (2026-09-22): This is not required. Please provide where in the guides this is a requirement to have a narrative letter for method [redacted] |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226278966 | [Redacted] | [Redacted] | 37594706 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Guidelines require a Self-Employed Business Narrative Form completed by either a CPA, Enrolled Agent (EA), licensed tax preparer, or licensed attorney for an expense ratio lower than [redacted]%. The Self-Employed Business Narrative Form was not found in the file. | Reviewer Comment (2026-09-24): Method [redacted] CPA Letter for Expense Ratio has been used. CPA letter confirming the expense ratio based on the most recent year's filed tax return is provided. Exception cleared. Buyer Comment (2026-09-22): This is not required. Please provide where in the guides this is a requirement to have a narrative letter for method [redacted] |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226278969 | [Redacted] | [Redacted] | 37578599 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-09-25): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-09-23): please cancel, this was cured at close of final cd sect j |
09/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226278969 | [Redacted] | [Redacted] | 37578600 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal review fee was not disclosed on LE but disclosed as $[redacted] on Final closing disclosure. No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-09-29): [redacted] received valid COC and rebuttal Buyer Comment (2026-09-25): the coc is on [redacted] Reviewer Comment (2026-09-25): [redacted] received valid rebuttal comment. However, supporting COC was not located in the loan file for the same to associate with corresponding CD to re-baseline this exception. Provide COC for the same to complete remediation. Buyer Comment (2026-09-23): please cancel, the fee was added due to the cu score over [redacted], we disclosed to the borrower [redacted], invoice was provided in the loan file, see [redacted] for coc and [redacted] for invoice |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226278969 | [Redacted] | [Redacted] | 37704394 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-09-29): Sufficient Cure Provided At Closing |
09/29/2026 | No | 1 | A | A | A | A | A | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226278972 | [Redacted] | [Redacted] | 37578882 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Changed circumstances dated [redacted] did not mention any reason for increase in appraisal fee from $[redacted] to $[redacted] | Reviewer Comment (2026-10-09): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-08): Please see attached Cover Letter, Cure Check, PCCD and proof [redacted] delivered. |
10/09/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226278972 | [Redacted] | [Redacted] | 37578883 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee of $[redacted] was added without any valid changed circumstances; no cure was provided. | Reviewer Comment (2026-10-09): [redacted] Received Corrected PCCD and LOE moving fee to section H. Buyer Comment (2026-10-08): Please see attached attestation. Title confirmed survey was their requirement in order to issue title policy. PCCD Attached showing Fee has been moved to section and Cover Letter provided. |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226279003 | [Redacted] | [Redacted] | 37578761 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Appraisal Fee. A fee amount of $[redacted] was charged on Final Closing Disclosure; however, Loan Estimate charged $[redacted] with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-09-18): Cured at closing or within [redacted] days of consummation prior to TPR review |
09/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226279003 | [Redacted] | [Redacted] | 37578762 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Appraisal Review Fee. A fee amount of $[redacted] was charged on Final Closing Disclosure; however, Loan Estimate was not charged this fee. The $[redacted] was charged with no valid change of circumstances and no cure provided to borrower. | Reviewer Comment (2026-09-29): [redacted] received rebuttal and valid COC Buyer Comment (2026-09-25): coc details upld Reviewer Comment (2026-09-25): [redacted] received valid rebuttal comment, however, supporting COC was not located in the loan file for the same to associate with [redacted] CD to re-baseline this exception. Provide COC for the same to complete remediation. Buyer Comment (2026-09-23): appraisal was received and sent to bwr on [redacted], the cu score was over [redacted] which required the cda, we ordered and disclosed to the borrower on [redacted], supporting docs (aprsl to bwr proof, cda invoice) |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226279003 | [Redacted] | [Redacted] | 37704333 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-09-29): Sufficient Cure Provided At Closing |
09/29/2026 | No | 1 | A | A | A | A | A | NJ | Second Home | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226280149 | [Redacted] | [Redacted] | 37579930 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee increased to $[redacted] without a valid change of circumstance; insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-20): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-19): PCCD with cure, sent out today |
10/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226280149 | [Redacted] | [Redacted] | 37579931 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee increased to $[redacted] without a valid change of circumstance; insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-20): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-19): See PCCD with cure |
10/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226281125 | [Redacted] | [Redacted] | 37574568 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Reviewer Comment (2026-09-21): Received evidence of access to funds letter for the account #[redacted] and #[redacted]. Exception cleared. Seller Comment (2026-09-17): Access Letter |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226281125 | [Redacted] | [Redacted] | 37574569 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Reviewer Comment (2026-09-21): Received evidence of access to funds letter for the account #[redacted] and #[redacted]. Exception cleared. Seller Comment (2026-09-17): Access Letter |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226284116 | [Redacted] | [Redacted] | 37588470 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-09-28): Per [redacted] update, policies that provide coverage on a replacement cost basis are deemed to provide sufficient coverage. Buyer Comment (2026-09-24): rebuttal Reviewer Comment (2026-09-24): Additional coverage amount required. Exception Remains Buyer Comment (2026-09-23): the policy says it is based in replacement cost |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226284120 | [Redacted] | [Redacted] | 37589890 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception noted on [redacted] stating max LTV of [redacted]%, however the Exception documents were not found in the file to verify the reason for the Exception. | Reviewer Comment (2026-09-28): Received Lender exception. Exception Cleared. Buyer Comment (2026-09-24): Please see attached. |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226284123 | [Redacted] | [Redacted] | 37586676 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-09-28): Revalidated the title policy amount against the referenced document. Exception cleared. Buyer Comment (2026-09-24): See page [redacted] |
09/28/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Purchase | B | A | B | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 226284124 | [Redacted] | [Redacted] | 37586862 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure without a valid Change of Circumstance. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-15): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-10-14): See[redacted] page [redacted] for final CD, the cure is at the bottom of page [redacted] |
10/15/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226284124 | [Redacted] | [Redacted] | 37586863 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Reinspection Fee not disclosed on initial Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure without a valid Change of Circumstance. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-23): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-22): PCCD with cure , sent out today |
10/23/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226284124 | [Redacted] | [Redacted] | 37603472 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | Verification of Rent is not fully completed. | Reviewer Comment (2026-10-15): Document provided D#[redacted] Buyer Comment (2026-10-14): VOR |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226285147 | [Redacted] | [Redacted] | 37586831 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-17): Sufficient Cure Provided At Closing |
09/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | N/A | N/A | Yes | ||||||||||
| 226285147 | [Redacted] | [Redacted] | 37586833 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification was not found in file. | Reviewer Comment (2026-10-05): Received evidence of HOA fees. Cleared. Buyer Comment (2026-10-01): we have confirmed there is HOA and the amount, the full report is not required to clear this condition, should you need to review the report, please see this borrowers other loan under [redacted] Loan ID #[redacted]/Customer Loan ID#[redacted] Reviewer Comment (2026-09-30): Please provide the complete report that was provided for the HOA to verify the date of the reported amount. Buyer Comment (2026-09-30): please review and clear Buyer Comment (2026-09-24): hoa confirm upld |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226285148 | [Redacted] | [Redacted] | 37587001 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed on initial Loan Estimate as $[redacted] but disclosed on final Closing Disclosure $[redacted] File does not contain a valid COC for this fee, nor evidence of cure is provided in file. | Reviewer Comment (2026-10-01): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-09-30): See[redacted] page [redacted] for the final CD with the cure at the bottom of page [redacted] |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226285148 | [Redacted] | [Redacted] | 37587002 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was disclosed on initial Loan Estimate as $[redacted] but disclosed on final Closing Disclosure $[redacted] File does not contain a valid COC for this fee, nor evidence of cure is provided in file. | Reviewer Comment (2026-10-01): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-09-30): See[redacted] page [redacted] for the final CD with the cure at the bottom of page [redacted] |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226285148 | [Redacted] | [Redacted] | 37723893 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-10-01): Sufficient Cure Provided At Closing |
10/01/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226285148 | [Redacted] | [Redacted] | 37723894 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-10-01): Sufficient Cure Provided At Closing |
10/01/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226285189 | [Redacted] | [Redacted] | 37587301 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Business Entity Listing present in file is not a dated document. | Reviewer Comment (2026-10-21): Cleared. Received verification of date for Third Party Verification. Buyer Comment (2026-10-19): Please see VVOE screen for date of VVOE. |
10/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226285189 | [Redacted] | [Redacted] | 37587314 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification was missing from the file to verify taxes. | Reviewer Comment (2026-10-21): Received tax cert. Buyer Comment (2026-10-19): Taxes |
10/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226285189 | [Redacted] | [Redacted] | 37587329 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Business Entity Listing present in file is not a dated document. | Reviewer Comment (2026-10-21): Cleared. Received verification of date for Third Party Verification. Buyer Comment (2026-10-19): See upload |
10/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226285189 | [Redacted] | [Redacted] | 37587330 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Business Entity Listing present in file is not a dated document. | Reviewer Comment (2026-10-21): Cleared. Received verification of date for Third Party Verification. Buyer Comment (2026-10-19): See upload |
10/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226285189 | [Redacted] | [Redacted] | 37587346 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. | Lender Credits were last disclosed as -$[redacted] on the Loan Estimate but disclosed as -$[redacted] on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-10-20): [redacted] received LOX. Buyer Comment (2026-10-19): Please advise. The initial LE on[redacted] Didn't show a lender credit at all. Lender credit added on[redacted] LE and remained as $[redacted] on Final CD. Lender credits always reflect negative on LE. |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226285189 | [Redacted] | [Redacted] | 37587347 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-10-20): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-10-19): See Rebuttal |
10/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226285189 | [Redacted] | [Redacted] | 37587348 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-10-20): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-10-19): Rebuttal |
10/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226285189 | [Redacted] | [Redacted] | 37900065 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-20): Sufficient Cure Provided At Closing |
10/20/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226285189 | [Redacted] | [Redacted] | 37900066 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-20): Sufficient Cure Provided At Closing |
10/20/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226285197 | [Redacted] | [Redacted] | 37587025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The loan was agency approved with Originator Loan Designation of Non QM. However, the loan failed due to P&L statement to be prepared by Audit or third party. | Reviewer Comment (2026-09-25): Lender provided a CPA letter [redacted]g with the P&L. Condition cleared. Seller Comment (2026-09-25): There is a cover letter attached to the P&L that is signed by the CPA, why is that not sufficient? It even references the attached P&L. Please have reviewed again. Reviewer Comment (2026-09-22): Required P&L statement signed by CPA. Exception remains. Seller Comment (2026-09-18): Please see the attached P&L that was prepared by the CPA. |
09/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226285197 | [Redacted] | [Redacted] | 37587026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank [redacted]): Unable to verify assets using reasonably reliable third-party records. | Months verified are less than [redacted]. | Reviewer Comment (2026-09-22): Revalidated asset documents and information updated. Exception cleared. Seller Comment (2026-09-18): Please see attached asset documentation |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226285197 | [Redacted] | [Redacted] | 37587027 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - P&L Statement Only Guidelines Third Party Preparation Requirement not met | Ability to Repay (Dodd-Frank [redacted]): P&L Statement(s) used to qualify were not prepared by a third party. | Require P&L statement to be prepared by Audit or third party. | Reviewer Comment (2026-09-25): Lender provided a CPA letter [redacted]g with the P&L. Condition cleared. Seller Comment (2026-09-25): There is a cover letter attached to the P&L that is signed by the CPA, why is that not sufficient? It even references the attached P&L. Please have reviewed again. Reviewer Comment (2026-09-22): Required P&L statement signed by CPA. Exception remains. Seller Comment (2026-09-18): Please see the attached P&L that was prepared by the CPA. |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226285197 | [Redacted] | [Redacted] | 37587028 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | P&L statement to be prepared by Audit or third party. | Reviewer Comment (2026-09-25): Lender provided a CPA letter [redacted]g with the P&L. Condition cleared. |
09/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226285197 | [Redacted] | [Redacted] | 37587029 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | We only have final CD. | Reviewer Comment (2026-09-21): [redacted] received initial CD. Seller Comment (2026-09-18): initial CD attached |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 226285197 | [Redacted] | [Redacted] | 37587030 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points. was disclosed on initial Loan estimate as $[redacted] but disclosed but final Closing Disclosure $[redacted] File does not contain a valid COC for this fee, nor evidence of cure is provided in file. | Reviewer Comment (2026-09-21): [redacted] received a valid COC. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226285197 | [Redacted] | [Redacted] | 37587031 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Abstract / Title Search. was disclosed on initial Loan estimate as $[redacted] but disclosed but final Closing Disclosure $[redacted] File does not contain a valid COC for this fee, nor evidence of cure is provided in file. | Reviewer Comment (2026-10-01): [redacted] received PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-09-30): PCCD/Cure Reviewer Comment (2026-09-25): [redacted] received rebuttal comment. The inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the Bankruptcy/Patriot search fee was included in section B of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment (2026-09-23): This is something the borrower can shop for so a coc or cure should not be needed. |
10/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226285197 | [Redacted] | [Redacted] | 37587044 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | P&L statement not prepared by CPA or Audited. | Reviewer Comment (2026-09-25): Lender provided a CPA letter [redacted]g with the P&L. Condition cleared. Reviewer Comment (2026-09-22): Required P&L statement signed by CPA. Exception remains. Seller Comment (2026-09-18): Please see the attached P&L that was prepared by the CPA. |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226285220 | [Redacted] | [Redacted] | 37587419 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Credit Report Document was not found in file. | Reviewer Comment (2026-10-13): Document provided and updated Buyer Comment (2026-10-12): Please see attached. Reviewer Comment (2026-10-06): As per guideline credit report is required containing information from all [redacted] credit bureaus within [redacted] days of closing. Borrower is U.S citizen. Exception remains. Buyer Comment (2026-10-02): [redacted] used FICO of [redacted] while [redacted] used [redacted] FICO (Full Doc loan). Borrower is a US Citizen and no other co-borrower in the file. |
10/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226285220 | [Redacted] | [Redacted] | 37587420 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit Report Document was not found in file. | Reviewer Comment (2026-10-13): Document provided |
10/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226285302 | [Redacted] | [Redacted] | 37587315 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Reviewer Comment (2026-10-02): Hazard Insurance policy with proper mortgagee clause, cleared Buyer Comment (2026-10-01): current and renewal policy showing [redacted] as mortgagee upld, this is a refinance the effective date is acceptable |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226285302 | [Redacted] | [Redacted] | 37587319 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Reviewer Comment (2026-10-02): Previous policy received, cleared |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226285302 | [Redacted] | [Redacted] | 37591397 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Provided corporate resolution reflects loan amount of $[redacted] which differs from subject loan amount. | Reviewer Comment (2026-09-28): No new document received. Available corporate resolution covers loan amount of $[redacted] Exception cleared. Buyer Comment (2026-09-24): please cancel, the resolution is acceptable, it reflects an amount greater than the actual loan amount. |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226285358 | [Redacted] | [Redacted] | 37587017 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, cure provided at closing. | Reviewer Comment (2026-09-17): Sufficient Cure Provided At Closing |
09/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226285793 | [Redacted] | [Redacted] | 37591747 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-09-24): Received appraisal report delivery receipt, Exception cleared. Seller Comment (2026-09-23): Appraisal Receipts |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226285793 | [Redacted] | [Redacted] | 37591748 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Copy of appraisal is required to be delivered to the borrower within [redacted] business days of closing. | Reviewer Comment (2026-09-24): Received appraisal report delivery receipt, Exception cleared. Seller Comment (2026-09-23): Appraisal DD Receipts - Randles |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226292039 | [Redacted] | [Redacted] | 37614158 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | File is missing evidence of borrower's receipt of the additional $[redacted]k gift funds. Only evidence of [redacted] gift was located and was on [redacted]. | Reviewer Comment (2026-10-07): The [redacted] statement for Account #[redacted] (D[redacted]) reflects [redacted] deposits from the borrower's father, [redacted], totaling $[redacted]: a $[redacted] check deposit on [redacted] (D[redacted]), a $[redacted] deposit on [redacted], and a $[redacted] deposit on [redacted]. Exception cleared. Buyer Comment (2026-10-05): Please refer to the [redacted] printout for Acct #[redacted] om[redacted] which shows [redacted] deposits from father, [redacted] as follows: [redacted] Check deposit (D[redacted]) for $[redacted] [redacted] deposit $[redacted] and [redacted] deposit $[redacted] Transfer deposit from Mother [redacted] on [redacted] $[redacted] |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226292039 | [Redacted] | [Redacted] | 37614365 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Failure due to missing evidence of borrower's receipt of the [redacted] gift. | Reviewer Comment (2026-10-07): The [redacted] statement for Account #[redacted] (D[redacted]) reflects [redacted] deposits from the borrower's father, [redacted], totaling $[redacted]: a $[redacted] check deposit on [redacted] (D[redacted]), a $[redacted] deposit on [redacted], and a $[redacted] deposit on [redacted]. Exception cleared. Buyer Comment (2026-10-05): Please refer to the [redacted] printout for Acct #[redacted] om[redacted] which shows [redacted] deposits from father, [redacted] as follows: [redacted] Check deposit (D[redacted]) for $[redacted] [redacted] deposit $[redacted] and [redacted] deposit $[redacted] Transfer deposit from Mother [redacted] on [redacted] $[redacted] |
10/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226292039 | [Redacted] | [Redacted] | 37614366 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Failure due to missing evidence of borrower's receipt of the [redacted] gift. | Reviewer Comment (2026-10-07): The [redacted] statement for Account #[redacted] (D[redacted]) reflects [redacted] deposits from the borrower's father, [redacted], totaling $[redacted]: a $[redacted] check deposit on [redacted] (D[redacted]), a $[redacted] deposit on [redacted], and a $[redacted] deposit on [redacted]. Exception cleared. Buyer Comment (2026-10-05): Please refer to the [redacted] printout for Acct #[redacted] om[redacted] which shows [redacted] deposits from father, [redacted] as follows: [redacted] Check deposit (D[redacted]) for $[redacted] [redacted] deposit $[redacted] and [redacted] deposit $[redacted] Transfer deposit from Mother [redacted] on [redacted] $[redacted] |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226293678 | [Redacted] | [Redacted] | 37601958 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Reviewer Comment (2026-10-19): Received drivers license. Cleared. Buyer Comment (2026-10-13): Please see attached |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226294124 | [Redacted] | [Redacted] | 37713410 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - FICO | Reviewer Comment (2026-09-30): [redacted] concurs. Cleared. Reviewer Comment (2026-09-29): The primary wage earner is [redacted] and he has the highest mid score. Per the guides, the mid score of the primary wage earner is to be used. Buyer Comment (2026-09-29): [redacted] is correct as [redacted] is the correct mid score. B1 is the primary income earner that has $[redacted] monthly income and [redacted] mid score B2 with $[redacted] monthly income and has [redacted] mid score. [redacted] used the highest middle score ([redacted]) in align with the loan program of Full Doc Loan. Please see CBR in page [redacted] & [redacted]. Can you review and update as needed? Thank you! |
09/30/2026 | No | 1 | A | A | A | A | A | NC | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226294126 | [Redacted] | [Redacted] | 37595548 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. | Final Closing Disclosure [redacted] did not disclose any Seller paid fees/charges on page [redacted]. | Reviewer Comment (2026-09-30): [redacted] received seller CD and rebuttal suffice Buyer Comment (2026-09-29): Please see attached. Reviewer Comment (2026-09-28): [redacted] acknowledged that the below comment for the seller concession of $[redacted] disclosed on page [redacted] of Final CD. However, the seller paid closing costs were not disclosed on page [redacted] of CD. Required true and certified copy of Seller Settlement Statement to verify the fees paid by seller at closing. Buyer Comment (2026-09-24): Please review the executed purchase contract, which reflects an agreed seller concession in the amount of $[redacted] The $[redacted] seller concession is also reflected on the Final Closing Disclosure. The seller-paid concession was therefore properly documented in the transaction and disclosed on the Final CD. Please review the purchase contract and Final Closing Disclosure and clear this condition. |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226294128 | [Redacted] | [Redacted] | 37595288 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved for Non-Warrantable Condo due to an occupancy restriction limiting owner occupancy to [redacted] days per year. [redacted]% Max LTV, [redacted]% Max DTI. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-23): Lender Exception with Compensating Factors provided. Buyer Comment (2026-09-21): PLEASE CLARIFY WHAT THE ACTUAL SUSPENSE ITEM IS?? THE DTI AND LTV ALIGN WOTH THE EXCEPTION |
09/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226294128 | [Redacted] | [Redacted] | 37597548 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA documentation for other monthly fees on primary was not found in the file. | Reviewer Comment (2026-10-06): Received LOE confirming that the primary property does not have HOA dues. Exception cleared Buyer Comment (2026-10-02): LOE Buyer Comment (2026-10-02): revised [redacted] and [redacted] is not needed. The documentation is correct as is. There are no HOA dues associated with the property: [redacted]. The dues on the [redacted]/[redacted] are for the property being purchased: [redacted] #[redacted], not [redacted]. Reviewer Comment (2026-10-01): Required revised [redacted] and [redacted] to clear this condition. Exception remains. Buyer Comment (2026-09-29): LOE |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 226294131 | [Redacted] | [Redacted] | 37595646 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-18): Sufficient Cure Provided At Closing |
09/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226294131 | [Redacted] | [Redacted] | 37620307 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Master HOA Insurance Policy is missing from the file. | Reviewer Comment (2026-10-08): Master policy is not required for the subject detached condominium property. Received homeowners insurance (HOI) evidencing coverage greater than the loan amount. Exception cleared. Buyer Comment (2026-10-06): detached condo, master policy not required per guides as hoi policy gives full dwelling\replacement coverage |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226294148 | [Redacted] | [Redacted] | 37600885 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Per lender guides, Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address [redacted], however this is missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC | Reviewer Comment (2026-10-01): Lender exception with comp factors. "please waive requirement for corporate resolution for vested entity. We utilized [redacted] certification in lieu" Buyer Comment (2026-09-30): Exception |
10/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 226294148 | [Redacted] | [Redacted] | 37600898 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | The CoGS dated within [redacted] days prior to note date was not located in the file. | Reviewer Comment (2026-10-01): Document provided Buyer Comment (2026-09-29): Cert good standing |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226294158 | [Redacted] | [Redacted] | 37595317 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title policy amount of $[redacted] is less than the note amount of $[redacted] based on the preliminary title. | Reviewer Comment (2026-10-19): Received updated policy. Condition cleared. Buyer Comment (2026-10-15): please see attached updated title commitment matching the loan amount |
10/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MO | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226294158 | [Redacted] | [Redacted] | 37595357 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Initial loan estimate was provided on [redacted], while the application date is shown as [redacted]. | Reviewer Comment (2026-10-13): [redacted] received copy of Initial LE dated [redacted]. Buyer Comment (2026-10-12): please see attached invest memo and [redacted] LE |
10/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226294158 | [Redacted] | [Redacted] | 37595359 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed as $[redacted] vs actual amount of $[redacted] Variance of $[redacted] due to Title/ Title Services fee being disclosed as $[redacted] on the initial CD and as $[redacted] on the final CD. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-10-14): [redacted] received LOE Reviewer Comment (2026-10-14): I apologize, but there is still an issue. A title - premium fee would seem to be a fee for title - title insurance, however there is a title - Title insurance fee listed in section B. If the fee is listed in section C, and is owners title, then the fee would be tested as a finance charge. If the fee is for owners title insurance it would normally be disclosed in section H. If the fee is for title - Owners Title insurance and listed in section C then a cure is required as it is being disclosed as a loan cost, if the fee should have been disclosed in section H, redisclosure is required. Both re-disclosure and a cure would require reopening of rescission. PCCD, LOE, and proof of delivery. If the fee remains in section C then a check for $[redacted] is also required. Buyer Comment (2026-10-13): please see attached email from title confirming fee is for title premium. please remove from your calculations |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226294158 | [Redacted] | [Redacted] | 37603328 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Trust Agreement not provided in file. | Reviewer Comment (2026-10-13): Cleared. Received trust agreement. Buyer Comment (2026-10-12): please see attached certificate of trust |
10/13/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | MO | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226294164 | [Redacted] | [Redacted] | 37595585 | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided | [redacted] Rent Comparison Schedule was not found in file. | Reviewer Comment (2026-10-08): Rental income is not used in qualification and [redacted] Rent Comparison Schedule is not required. Exception cleared. Buyer Comment (2026-10-06): Borrower qualified with the full payment without the offset of using any rental income therefore a [redacted] is not required |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226294179 | [Redacted] | [Redacted] | 37595378 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-10-07): Received E-sign Consent document. Exception cleared. Buyer Comment (2026-10-05): Please see attached E-Sign Consent |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226294179 | [Redacted] | [Redacted] | 37595379 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing [redacted] Final Closing Disclosure. | Reviewer Comment (2026-10-07): Received Closing Disclosure for the [redacted]. Exception cleared. Buyer Comment (2026-10-05): Please see attached CD for the borrowers' [redacted] on [redacted]. Since this is a new loan there is no statement available. |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226294179 | [Redacted] | [Redacted] | 37595404 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] Final settlement statement is dated [redacted] which is after the Note date but on the disbursement date of [redacted]. An estimated Closing disclosure/Closing statement dated on or before the note date [redacted] is required as per ATR requirement. | Reviewer Comment (2026-10-07): Received Closing Disclosure for the [redacted]. Exception cleared. Buyer Comment (2026-10-05): Please see attached Final CD for the [redacted]. The Disbursement is accurate as being [redacted] Please note that [redacted] is a [redacted] , signing the documents does not happen at the exact time as the disbursement. Buyers and sellers sign paperwork, but the lender reviews the signed documents and releases the funds at a later date. The subject loan and the [redacted] both signed simultaneously and disbursement simultaneously. |
10/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226294179 | [Redacted] | [Redacted] | 37595405 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank [redacted]): Unable to verify assets using reasonably reliable third-party records. | [redacted] Final settlement statement is dated [redacted] which is after the Note date but on the disbursement date of [redacted]. An estimated Closing disclosure/Closing statement dated on or before the note date [redacted] is required as per ATR requirement. | Reviewer Comment (2026-10-07): Received Closing Disclosure for the [redacted]. Exception cleared. Buyer Comment (2026-10-05): Please see attached Final CD for the [redacted]. The Disbursement is accurate as being [redacted] Please note that [redacted] is a [redacted] , signing the documents does not happen at the exact time as the disbursement. Buyers and sellers sign paperwork, but the lender reviews the signed documents and releases the funds at a later date. The subject loan and the [redacted] both signed simultaneously and disbursement simultaneously. |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226294179 | [Redacted] | [Redacted] | 37595406 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | [redacted] Final settlement statement is dated [redacted] which is after the Note date but on the disbursement date of [redacted]. An estimated Closing disclosure/Closing statement dated on or before the note date [redacted] is required as per ATR requirement. | Reviewer Comment (2026-10-07): Received Closing Disclosure for the [redacted]. Exception cleared. |
10/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226294195 | [Redacted] | [Redacted] | 37595717 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax verification not provided for property located at [redacted]. | Reviewer Comment (2026-10-01): Received Tax Certificate is verified and associated, exception cleared. Buyer Comment (2026-09-29): tax bill upld |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226294195 | [Redacted] | [Redacted] | 37595743 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Missing Final Title Policy. | Reviewer Comment (2026-10-01): Received Final Title Policy is verified and associated, exception cleared. |
10/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226294195 | [Redacted] | [Redacted] | 37595753 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Coverage amount not provided on preliminary title. | Reviewer Comment (2026-10-01): Received Final Title Policy is verified and associated, exception cleared. Buyer Comment (2026-09-30): final title policy upld |
10/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226294195 | [Redacted] | [Redacted] | 37595764 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Missing HUD / Closing Disclosure to verify [redacted]. | Reviewer Comment (2026-10-01): Received Closing Disclosure for [redacted] is verified and associated, exception cleared. Buyer Comment (2026-09-29): bridge cd upld |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226294195 | [Redacted] | [Redacted] | 37595765 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[redacted] is less than Cash from Borrower $[redacted] Variance is caused by missing documentation for $[redacted]K [redacted]. | Reviewer Comment (2026-10-01): Received Closing Disclosure for [redacted] is sufficient for the cash to close requirements, exception cleared. Buyer Comment (2026-09-29): bridge cd upld to trl docs |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226294195 | [Redacted] | [Redacted] | 37595778 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded due to recording fee being disclosed as $[redacted] and then on final CD as $[redacted] No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-10-01): [redacted] received True and certified Final SS [redacted]g with Post CD and LOX. Buyer Comment (2026-09-30): fss upld Reviewer Comment (2026-09-30): [redacted] received PCCD and LOE, however we also require true & certified copy of final settlement statement to re-evaluate the exception. Buyer Comment (2026-09-29): pccd docs upld, recording fee decreased to $[redacted] |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226294195 | [Redacted] | [Redacted] | 37595779 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to missing asset documentation: Hud/CD/closing statement not provided for $[redacted]K [redacted]. | Reviewer Comment (2026-10-07): As per the final closing statement borrower is receiving refund amount of $[redacted] which is considered as other liquid asset. Exception Cleared. Buyer Comment (2026-10-05): see final ss on [redacted], bwr received $[redacted] cash back Reviewer Comment (2026-10-01): Received Closing Disclosure for the [redacted] is sufficient to meet the cash-to-close requirement. The reserve requirement has not been met. Provide additional funds in the amount of $[redacted] to satisfy the reserve requirement, exception remains. Buyer Comment (2026-09-29): bridge cd upld to trl docs |
10/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226294195 | [Redacted] | [Redacted] | 37595780 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR risk due to missing asset documentation: Hud/CD/closing statement not provided for $[redacted]K [redacted]. | Reviewer Comment (2026-10-07): As per the final closing statement borrower is receiving refund amount of $[redacted] which is considered as other liquid asset. Exception Cleared. Buyer Comment (2026-10-05): see final ss on [redacted], bwr received $[redacted] cash back Reviewer Comment (2026-10-01): Received Closing Disclosure for the [redacted] is sufficient to meet the cash-to-close requirement. The reserve requirement has not been met. Provide additional funds in the amount of $[redacted] to satisfy the reserve requirement, exception remains. Buyer Comment (2026-09-29): bridge cd upld to trl docs |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226294195 | [Redacted] | [Redacted] | 37595797 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit report fee disclosed as $[redacted] and then as $[redacted] No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-09-18): Cured at closing or within [redacted] days of consummation prior to TPR review |
09/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226294195 | [Redacted] | [Redacted] | 37595824 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | ATR risk due to missing asset documentation: Hud/CD/closing statement not provided for $[redacted]K [redacted]. | Reviewer Comment (2026-10-07): As per the final closing statement borrower is receiving refund amount of $[redacted] which is considered as other liquid asset. Exception Cleared. Buyer Comment (2026-10-05): see final ss on [redacted], bwr received $[redacted] cash back Reviewer Comment (2026-10-01): Received Closing Disclosure for the [redacted] is sufficient to meet the cash-to-close requirement. The reserve requirement has not been met. Provide additional funds in the amount of $[redacted] to satisfy the reserve requirement, exception remains. Buyer Comment (2026-09-29): bridge cd upld to trl docs |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226294195 | [Redacted] | [Redacted] | 37595825 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Missing documentation to verify the [redacted] asset of $[redacted] | Reviewer Comment (2026-10-07): As per the final closing statement borrower is receiving refund amount of $[redacted] which is considered as other liquid asset. Exception Cleared. Buyer Comment (2026-10-05): see final ss on [redacted], bwr received $[redacted] cash back Reviewer Comment (2026-10-01): Received Closing Disclosure for the [redacted] is sufficient to meet the cash-to-close requirement. The reserve requirement has not been met. Provide additional funds in the amount of $[redacted] to satisfy the reserve requirement, exception remains. Buyer Comment (2026-09-29): bridge cd upld to trl docs |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226294195 | [Redacted] | [Redacted] | 37595835 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR risk due to missing asset documentation: Hud/CD/closing statement not provided for $[redacted]K [redacted]. | Reviewer Comment (2026-10-07): As per the final closing statement borrower is receiving refund amount of $[redacted] which is considered as other liquid asset. Exception Cleared. Buyer Comment (2026-10-05): see final ss on [redacted], bwr received $[redacted] cash back Reviewer Comment (2026-10-01): Received Closing Disclosure for the [redacted] is sufficient to meet the cash-to-close requirement. The reserve requirement has not been met. Provide additional funds in the amount of $[redacted] to satisfy the reserve requirement, exception remains. Buyer Comment (2026-09-29): bridge cd upld to trl docs |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226294195 | [Redacted] | [Redacted] | 37715075 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-09-30): Sufficient Cure Provided At Closing |
09/30/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226294195 | [Redacted] | [Redacted] | 37723534 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Departing residence pending sale was excluded from DTI. Please provide the valuation done on the departing residence to calculate the reserve requirement and verify at least [redacted]% equity. | Reviewer Comment (2026-10-12): As per the guideline if properties under contingent contract to sell, DTI can be excluded by using [redacted] months of PITI for the home to be sold. Exception Cleared. Buyer Comment (2026-10-09): please see section [redacted] of the guides. If the applicant is under non-contingent contract to sell a property, the DTI/debt service can be calculated excluding the prior housing expenses (PITIA) if an additional [redacted] months of PITIA for the home to be sold is verified. Reviewer Comment (2026-10-07): As per the guideline departing residence appraisal document is required to calculate the minimum equity of [redacted]% after all the deduction of all liens outstanding against the property. Exception Remains. Buyer Comment (2026-10-05): see listing agreement on [redacted], reserves are- [redacted] months for the new home PITIA and [redacted] months for the departing residence this include first and second and TIA. subject $[redacted] x [redacted]mos= $[redacted] Depart prop $[redacted] x [redacted]mos = $[redacted] and $[redacted] tia x [redacted]mos - Total $[redacted] |
10/12/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 226294195 | [Redacted] | [Redacted] | 37761623 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | As per the final closing statement borrower is receiving refund amount of $[redacted] which is considered as other liquid asset. Exception Cleared. | Reviewer Comment (2026-10-07): As per the final closing statement borrower is receiving refund amount of $[redacted] which is considered as other liquid asset. Exception Cleared. |
10/07/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226294195 | [Redacted] | [Redacted] | 37761625 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank [redacted]): Unable to verify assets using reasonably reliable third-party records. | As per the final closing statement borrower is receiving refund amount of $[redacted] which is considered as other liquid asset. Exception Cleared. | Reviewer Comment (2026-10-07): As per the final closing statement borrower is receiving refund amount of $[redacted] which is considered as other liquid asset. Exception Cleared. |
10/07/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 226294195 | [Redacted] | [Redacted] | 37761626 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | As per the final closing statement borrower is receiving refund amount of $[redacted] which is considered as other liquid asset. Exception Cleared. | Reviewer Comment (2026-10-07): As per the final closing statement borrower is receiving refund amount of $[redacted] which is considered as other liquid asset. Exception Cleared. |
10/07/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 226294301 | [Redacted] | [Redacted] | 37595703 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Third Party Verification not found for the borrower's employer, [redacted] Tax Help. | Reviewer Comment (2026-10-22): Received Business license, Exception cleared. Buyer Comment (2026-10-21): CPA letter and business license |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226294301 | [Redacted] | [Redacted] | 37595710 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Third Party Verification not found for the borrower's employer, [redacted] Tax Help. | Reviewer Comment (2026-10-22): Received Business license, Exception cleared. |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226294301 | [Redacted] | [Redacted] | 37622970 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | A borrower who is currently rent free or living without a housing payment history is eligible per guidelines, provided they are not a first time home buyer. | Reviewer Comment (2026-10-12): Document provided [redacted] Buyer Comment (2026-10-08): Rent free letter. Borrower meets guides for FTHB living rent free |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226294301 | [Redacted] | [Redacted] | 37622977 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Business funds may be eligible on loans where the Applicant can evidence that the withdrawal of the funds will not impact the operation of the business. This was not provided in file. | Reviewer Comment (2026-10-30): CPA letter in file has required info Buyer Comment (2026-10-28): CPA letter |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226294301 | [Redacted] | [Redacted] | 37622992 | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided | Business funds may be eligible on loans where the Applicant can evidence that the withdrawal of the funds will not impact the operation of the business. This was not provided in file. | Reviewer Comment (2026-10-30): CPA letter in file has required info Buyer Comment (2026-10-28): See CPA letter |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226294317 | [Redacted] | [Redacted] | 37596044 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. No valid COC. | Reviewer Comment (2026-10-09): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-10-08): Cure Docs |
10/09/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226294317 | [Redacted] | [Redacted] | 37596045 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. No valid COC. | Reviewer Comment (2026-10-07): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-10-05): Rebuttal |
10/07/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226294317 | [Redacted] | [Redacted] | 37622971 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Pay History not provided | File is missing the most recent [redacted] month mortgage pay history for the borrowers departure residence. | Reviewer Comment (2026-10-07): Only reverse mortgage is active, no other active mortgage, exception cleared Buyer Comment (2026-10-05): No mortgage see [redacted] |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226294321 | [Redacted] | [Redacted] | 37602808 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Divorce Decree / Child Support document was not found in file. | Reviewer Comment (2026-09-29): Received Divorce Decree. Exception Cleared Buyer Comment (2026-09-28): Divorce Decree |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226294321 | [Redacted] | [Redacted] | 37603000 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-18): Sufficient Cure Provided At Closing |
09/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226294920 | [Redacted] | [Redacted] | 37620476 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | There is evidence of a lender exception approval for this file. The exception form, approval and comp factors are missing from the file. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-07): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-10-07): Lender exception approval provided for landlord history waiver. Buyer Comment (2026-10-03): Please see attached exception approval |
10/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 226294923 | [Redacted] | [Redacted] | 37595755 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-09-29): Provided Buyer Comment (2026-09-25): e-consent |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226294923 | [Redacted] | [Redacted] | 37595774 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Verbal Verification of Employment VVOE completed within [redacted] business days of the Note must be provided for [redacted] . | Reviewer Comment (2026-09-28): VVOE received in PDF via portal Acuity upload pending. Buyer Comment (2026-09-25): vvoe |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226294923 | [Redacted] | [Redacted] | 37595775 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verbal Verification of Employment VVOE completed within [redacted] business days of the Note must be provided for [redacted] . | Reviewer Comment (2026-09-28): E-Consent received via portal Acuity upload pending Buyer Comment (2026-09-25): see uploaded |
09/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226294979 | [Redacted] | [Redacted] | 37602283 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | Per lender DSCR worksheet and DD calculation, the DSCR is .[redacted], however Bid tape is [redacted]. | Reviewer Comment (2026-10-02): Provided [redacted] shows short term rental with market rent $[redacted] with [redacted]% cut. Exception cleared. Buyer Comment (2026-09-30): [redacted] respectfully disagrees with [redacted] DSCR Designation. [redacted] is below the program guideline minimum DSCR requirement of [redacted] After further review, [redacted] is using STR analysis to determine rent. To support, please find revised [redacted], STR analysis and DSCR calculation Please review and updated [redacted] to match [redacted] Buyer Comment (2026-09-30): STR - [redacted]k; DSCR [redacted]; [redacted] |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 226294979 | [Redacted] | [Redacted] | 37602329 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-10-02): Received CDA. Exception cleared Buyer Comment (2026-10-01): cda upld |
10/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Purchase | D | A | C | A | D | A | N/A | No | |||||||||||||||
| 226294979 | [Redacted] | [Redacted] | 37620713 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Borrower has insufficient assets to cover [redacted] months reserves. | Reviewer Comment (2026-10-01): Revalidated Information. Exception Cleared. Buyer Comment (2026-09-29): please clarify how you're calculating short reserves, we have sufficient assets verified with the [redacted] checking/saving statements, guides call for [redacted] mos pitia |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 226295135 | [Redacted] | [Redacted] | 37596096 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted] on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-10-02): [redacted] Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-01): PCCD |
10/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226295135 | [Redacted] | [Redacted] | 37596097 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Verification Of Employment Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-10-02): [redacted] Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |
10/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226295135 | [Redacted] | [Redacted] | 37598050 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow a loan of $[redacted] vs $[redacted] minimum. | Borrower has verified disposable income of at least $[redacted] Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-18): Client elects to waive with compensating factors. |
09/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 226295135 | [Redacted] | [Redacted] | 37598063 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow the project is legally zoned and complies with [redacted] requirements to waive ordinance or law. | Borrower has verified disposable income of at least $[redacted] Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-18): Client elects to waive with compensating factors. |
09/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 226295309 | [Redacted] | [Redacted] | 37605577 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not provided in loan file. | Reviewer Comment (2026-10-01): Received Business Purpose Certificate. Exception cleared. Buyer Comment (2026-09-29): BPL |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226295309 | [Redacted] | [Redacted] | 37605578 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Cash-Out Utilization document was not provided in loan file. | Reviewer Comment (2026-10-01): Received Business Purpose Certificate. Exception cleared. Buyer Comment (2026-09-29): BPL |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226295309 | [Redacted] | [Redacted] | 37607081 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request [redacted] meets [redacted]-month seasoning and now vesting as individual. DSCR ratio >[redacted]%; Primary ownership [redacted]+ years. Experienced investor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. The qualifying DSCR on the loan is greater than the guideline minimum. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] The DSCR of [redacted] is greater than the minimum required DSCR of [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC,Aggregator |
Reviewer Comment (2026-09-21): Client elects to waive with compensating factors. |
09/21/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 226295309 | [Redacted] | [Redacted] | 37608714 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Title vesting does not match the borrower on the loan. | Reviewer Comment (2026-10-01): Exception to update the Vesting at closing. Buyer Comment (2026-09-29): Exception to update the Vesting at closing. |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226295579 | [Redacted] | [Redacted] | 37606182 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Provided Security Instrument Page [redacted] is missing. All pages of the Security Instrument document are required to be complete. | Reviewer Comment (2026-09-28): Received complete DOT. Buyer Comment (2026-09-25): full copy of mtg upld |
09/28/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226296032 | [Redacted] | [Redacted] | 37605747 | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided | [redacted] Comparable Rent Schedule document was missing from the Loan File. | Reviewer Comment (2026-09-29): Associated to the short term rental income statement, cleared Buyer Comment (2026-09-28): Short term rental. See AirDNA |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226296046 | [Redacted] | [Redacted] | 37606266 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Finance charge disclosed as $[redacted] vs actual amount of $[redacted] Variance of $[redacted] caused by recording fee being disclosed at $[redacted] and then on the final CD as $[redacted] No valid change in cirucmstance or cure for borrower provided. | Reviewer Comment (2026-10-02): [redacted] received additional clarification on flood & tax cert fees that are not life of loan services Buyer Comment (2026-09-30): title email confirming $[redacted] flood determination and $[redacted] tax cert are one time fees upld, please remove from finance charges |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226296046 | [Redacted] | [Redacted] | 37606267 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-09-21): Sufficient Cure Provided At Closing |
09/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226296046 | [Redacted] | [Redacted] | 37606268 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Missing CHARM Booklet Disclosure. | Reviewer Comment (2026-10-02): Received required documentation. Condition cleared. Buyer Comment (2026-09-30): charm book and tracking upld |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226297754 | [Redacted] | [Redacted] | 37607393 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Lender to provide Hazard Insurance Policy which was in effect at the time of closing. | Reviewer Comment (2026-10-07): Effective date is prior to disbursement date. Cleared. Buyer Comment (2026-10-05): this loan closed on [redacted], see deed of trust singing/notary date on [redacted] Reviewer Comment (2026-10-05): Received email correspondence from insurance agent stating that there were no claims between [redacted]-[redacted] which does not cover the note date of [redacted]. Exception remains Buyer Comment (2026-10-01): agent email confirming no claims from day of closing [redacted] to effective date of policy [redacted] upld. |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226297757 | [Redacted] | [Redacted] | 37608589 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not found in file. | Reviewer Comment (2026-10-07): Business Purpose Certificate - cleared Buyer Comment (2026-10-06): please see attached business purpose cert |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226297757 | [Redacted] | [Redacted] | 37608602 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [redacted] reflects an exception for landlord history has been approved. However, the Lender Exception Document was not found in file. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-08): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-06): please see attached lender exception |
10/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 226297775 | [Redacted] | [Redacted] | 37607444 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing Verbal Verification of Employment (VVOE) completed within [redacted] days of closing for co-borrower. | Reviewer Comment (2026-10-12): Cleaered. Received VVOE |
10/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226297775 | [Redacted] | [Redacted] | 37607445 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Waterfall due to missing Verbal Verification of Employment (VVOE) completed within [redacted] days of closing for co-borrower. | Reviewer Comment (2026-10-12): Cleaered. Received VVOE |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226297775 | [Redacted] | [Redacted] | 37607446 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing Verbal Verification of Employment (VVOE) completed within [redacted] days of closing for co-borrower. | Reviewer Comment (2026-10-12): Cleaered. Received VVOE |
10/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226297775 | [Redacted] | [Redacted] | 37607447 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee increased without a valid change of circumstance; insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-19): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-16): PCCD with cure, sent out today |
10/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226297775 | [Redacted] | [Redacted] | 37607448 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey fee increased without a valid change of circumstance; insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-19): [redacted] received Post CD and LOX. Buyer Comment (2026-10-16): See escrow confirmation of borrower requested survey, fee moved to section H |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226297775 | [Redacted] | [Redacted] | 37607461 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Waterfall due to missing Verbal Verification of Employment (VVOE) completed within [redacted] days of closing for co-borrower. | Reviewer Comment (2026-10-12): Cleared. Received required document. Buyer Comment (2026-10-08): VOE for CB |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226297775 | [Redacted] | [Redacted] | 37607462 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Waterfall due to missing Verbal Verification of Employment (VVOE) completed within [redacted] days of closing for co-borrower. | Reviewer Comment (2026-10-12): Cleared. Received required document. |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226297775 | [Redacted] | [Redacted] | 37607669 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing Verbal Verification of Employment (VVOE) completed within [redacted] days of closing for co-borrower. | Reviewer Comment (2026-10-12): Cleaered. Received VVOE |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226297780 | [Redacted] | [Redacted] | 37606282 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Co-borrower's primary expense was considered twice in the amount of $[redacted] Calculated total expenses are $[redacted] and per [redacted], expenses are $[redacted] which includes $[redacted] twice, which is co-borrower's primary expense. | Reviewer Comment (2026-10-19): Received updated bid tape. Cleared. Reviewer Comment (2026-10-19): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-10-16): bid tape has been updated Reviewer Comment (2026-10-14): Updated [redacted] provided . need updated bid tape Buyer Comment (2026-10-13): please see attached revised [redacted] & [redacted] with co borr primary expenses removed. DTI now [redacted]% |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226297780 | [Redacted] | [Redacted] | 37606314 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to DTI discrepancy. Co-borrower's primary expense was considered twice in the total expense amount of $[redacted] Calculated total expenses are $[redacted] and per [redacted], expenses are $[redacted] which includes $[redacted] twice, which is co-borrower's primary expense. | Reviewer Comment (2026-10-19): Received updated bid tape. Cleared. Buyer Comment (2026-10-16): bid tape has been updated |
10/19/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 226297780 | [Redacted] | [Redacted] | 37606315 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to DTI discrepancy. Co-borrower's primary expense was considered twice in the total expense amount of $[redacted] Calculated total expenses are $[redacted] and per [redacted], expenses are $[redacted] which includes $[redacted] twice, which is co-borrower's primary expense. | Reviewer Comment (2026-10-19): Received updated bid tape. Cleared. Buyer Comment (2026-10-16): bid tape has been updated |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226297859 | [Redacted] | [Redacted] | 37609303 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit Report was not found in file. | Reviewer Comment (2026-09-30): Received credit report. Exception cleared. Buyer Comment (2026-09-28): Credit Report |
09/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MO | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226297859 | [Redacted] | [Redacted] | 37609305 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Credit Report was not found in file. | Reviewer Comment (2026-09-30): Received credit report. Exception cleared. |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226297902 | [Redacted] | [Redacted] | 37609560 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. | No seller paid fees disclosed on buyer's or seller's Closing Disclosure. | Reviewer Comment (2026-09-24): [redacted] received the seller closing disclosure. Seller Comment (2026-09-23): Seller CD |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226297908 | [Redacted] | [Redacted] | 37609885 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. | Reviewer Comment (2026-10-15): [redacted] received e-consent. Buyer Comment (2026-10-14): eConsent |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226297908 | [Redacted] | [Redacted] | 37609886 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid COC and insufficient cure provided. | Reviewer Comment (2026-10-15): [redacted] received a valid COC. Buyer Comment (2026-10-14): RCD with COC , borrower chose to raise discount points to reduce rate |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226297918 | [Redacted] | [Redacted] | 37607609 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception on [redacted] Document reflects approval for ADU. Exception Document required in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[redacted]. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Debt Service Coverage Ratio: [redacted] Guideline Requirement: [redacted] Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-09): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-07): please see attached lender exception |
10/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 226297949 | [Redacted] | [Redacted] | 37606836 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Provide Mortgage Statement and Lease Agreement for the property [redacted]. | Reviewer Comment (2026-09-24): First payment letter & Lease agreement is provided for property [redacted]. Exception cleared. Seller Comment (2026-09-24): See attached lease agreements provided by the managment company the borrower hored to handle those tenants |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226297949 | [Redacted] | [Redacted] | 37606854 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Provide Mortgage Statement and Lease agreement for the property [redacted]. | Reviewer Comment (2026-09-30): Received Lease agreement for the property [redacted]. Exception cleared. Seller Comment (2026-09-28): LEASE AGREEMENT Reviewer Comment (2026-09-24): First payment letter is provided for property [redacted], however lease agreement is not provided. Exception remains. Seller Comment (2026-09-24): See attached supporting docs to meet this condition |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226297949 | [Redacted] | [Redacted] | 37606858 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Provide Mortgage Statement for the property [redacted]. | Reviewer Comment (2026-09-24): Note and First payment letter is provided for property [redacted]. Exception cleared. Seller Comment (2026-09-24): See attached supporting docs to meet this condition |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226297949 | [Redacted] | [Redacted] | 37609073 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per lender guides, the following is required for use of business accounts: A CPA letter indicating the use of business funds will not affect business operations or a recent [redacted] month cash flow analysis for each business account used. | Reviewer Comment (2026-09-24): CPA Letter is provided which states use of business funds will not affect on business. Exception cleared. Seller Comment (2026-09-24): See attached CPA letter indicating the use of the funds does not have a negative impact to the business. |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226298398 | [Redacted] | [Redacted] | 37611136 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-10-04): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-01): pccd docs upld |
10/04/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226298614 | [Redacted] | [Redacted] | 37612965 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The Homeowner's Insurance Declarations Page in the file verified an effective date of [redacted] which is after the Consummation Date of [redacted]. Require a revised Homeowner's Insurance Declaration Page or Policy verifying coverage in effect at or prior to consummation. | Reviewer Comment (2026-10-22): Revised Homeowner's Insurance Policy, cleared Buyer Comment (2026-10-22): Dec Page |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226298614 | [Redacted] | [Redacted] | 37613005 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | The Final [redacted] Application reflects a [redacted] Exchange transaction; however, the required [redacted] Exchange and final closing statement Documentation from that transacton has not been provided in the file. | Reviewer Comment (2026-10-22): Exchange agreement provided. Exception cleared. Buyer Comment (2026-10-21): Exchange |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226298614 | [Redacted] | [Redacted] | 37613013 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Additional assets are required to fulfill reserves requirements. | Reviewer Comment (2026-10-22): Exchange agreement provided. Exception cleared. Buyer Comment (2026-10-21): See upload |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226298620 | [Redacted] | [Redacted] | 37613162 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-10-02): Bride loan CD received, exception cleared. Buyer Comment (2026-09-30): [redacted] |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 226298620 | [Redacted] | [Redacted] | 37613164 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-10-02): E-sign consent received, exception cleared Buyer Comment (2026-09-30): audit trail |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226298620 | [Redacted] | [Redacted] | 37613214 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI of [redacted]% matches with [redacted] document [redacted]%. | Reviewer Comment (2026-10-02): Received revised [redacted], DTI within threshold Buyer Comment (2026-09-30): [redacted] Buyer Comment (2026-09-30): it seems your total monthly payments are off. The DTI should be [redacted]% |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226298620 | [Redacted] | [Redacted] | 37613230 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was not disclosed on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee; cure provided at closing. | Reviewer Comment (2026-10-08): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-07): PCCD, LOX, Label and Check |
10/08/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226298620 | [Redacted] | [Redacted] | 37613261 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI of [redacted]% matches with [redacted] document [redacted]%. | Reviewer Comment (2026-10-02): Received revised [redacted], DTI within threshold Buyer Comment (2026-09-30): it seems your total monthly payments are off. The DTI should be [redacted]% |
10/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226298620 | [Redacted] | [Redacted] | 37613262 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | DTI of [redacted]% matches with [redacted] document [redacted]%. | Reviewer Comment (2026-10-02): Received revised [redacted], DTI within threshold Buyer Comment (2026-09-30): it seems your total monthly payments are off. The DTI should be [redacted]% |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226298974 | [Redacted] | [Redacted] | 37630503 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Per lender guides, Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address [redacted], however this is missing from the file. | Reviewer Comment (2026-10-19): Document provided Buyer Comment (2026-10-15): [redacted] docs |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226299055 | [Redacted] | [Redacted] | 37608145 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease agreement not provided for properties located at [redacted] and [redacted]. A current mortgage statement is missing for [redacted] . | Reviewer Comment (2026-10-01): Received lease agreement for property [redacted] and mortgage statement for [redacted]. Exception cleared. Seller Comment (2026-09-29): Lease agreement and mortgage statement attached Reviewer Comment (2026-09-24): Please provide lease agreement for property located at [redacted] and mortgage statement for [redacted]. Exception Remains Seller Comment (2026-09-24): This condition is duplicated... All items were uploaded in the previous condition. Please wave it. |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226299055 | [Redacted] | [Redacted] | 37608160 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-09-24): Final title policy provided. Exception cleared |
09/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 226299055 | [Redacted] | [Redacted] | 37608162 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Coverage amount not provided on preliminary title. | Reviewer Comment (2026-09-24): Final title policy provided. Exception cleared Seller Comment (2026-09-24): See attached actual title policy reflecting true and correct loan amount. etc. |
09/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226299055 | [Redacted] | [Redacted] | 37608650 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Lease agreement not provided for properties located at [redacted], and a current mortgage statement for [redacted]. | Reviewer Comment (2026-10-01): Received lease agreement for property [redacted] and mortgage statement for [redacted]. Exception cleared. Seller Comment (2026-09-29): Lease agreement and recent mortgage statement attached... Reviewer Comment (2026-09-24): Please provide lease agreement for property located at [redacted] and mortgage statement for [redacted]. Exception Remains Seller Comment (2026-09-24): See attached supporting docs |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226299055 | [Redacted] | [Redacted] | 37609370 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per lender guides, the following is required for use of business accounts: A CPA letter indicating the use of business funds will not affect business operations or a recent [redacted] month cash flow analysis for each business account used. | Reviewer Comment (2026-10-01): Received CPA letter confirming business funds use with no adverse impact. Exception cleared. Seller Comment (2026-09-29): CPA letter indicating theuse of business account funds not negative for the business. Reviewer Comment (2026-09-25): As per the guideline CPA letter should state [redacted] Seller Comment (2026-09-24): See attached CPA letter reflecting the statement requested... |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226299532 | [Redacted] | [Redacted] | 37612666 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement not provided in file. | Reviewer Comment (2026-09-30): Received e-consent. Cleared. Buyer Comment (2026-09-30): econsent upld |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226299532 | [Redacted] | [Redacted] | 37724405 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-01): Sufficient Cure Provided At Closing |
10/01/2026 | No | 1 | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226300821 | [Redacted] | [Redacted] | 37612648 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Recording Fee Total was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-10-16): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-10-15): please see attached lox, pccd and check |
10/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226300821 | [Redacted] | [Redacted] | 37612649 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-10-14): [redacted] received LOE and rate lock document Buyer Comment (2026-10-13): please see attached investor memo and prior lock regarding discount point increase |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226300821 | [Redacted] | [Redacted] | 37612650 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-09-23): Cured at closing or within [redacted] days of consummation prior to TPR review |
09/23/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226300827 | [Redacted] | [Redacted] | 37613753 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee disclosed as $[redacted] on final Loan Estimate and as $[redacted] on final Closing Disclosure. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-10-19): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-15): Cure Docs |
10/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | WI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226300827 | [Redacted] | [Redacted] | 37613754 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit report fee disclosed as $[redacted] on final Loan Estimate and as $[redacted] on final Closing Disclosure. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-10-19): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-15): Cure docs uploaded |
10/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | WI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226300840 | [Redacted] | [Redacted] | 37613609 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Tax Verification for property located at [redacted]. | Reviewer Comment (2026-10-06): Received required documentation. Co-op. Buyer Comment (2026-09-25): this property is a co-op. there is no tax bill |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226300847 | [Redacted] | [Redacted] | 37613228 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Rental income for the subject property was calculated as per the Lease Agreement. As a result, the DTI shows a variance because the rental income used in the calculation is based on the Lease Agreement for subject property, which is more than [redacted] unit. | Reviewer Comment (2026-09-29): Received the revised [redacted] reflecting the corrected DTI. The DTI value on the bid tape has also been updated and is now aligned with the revised [redacted]. Exception cleared. Buyer Comment (2026-09-25): Please see attached. |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226300977 | [Redacted] | [Redacted] | 37615011 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Require one more month of Bank Statement for account ending with [redacted]. | Reviewer Comment (2026-10-06): Corrected [redacted] & [redacted] received, asset not required. Exception cleared. Buyer Comment (2026-10-02): [redacted] & [redacted] - removed the [redacted] account Reviewer Comment (2026-10-02): Required consecutive [redacted]-month bank statements for account ending in #[redacted] have not been provided. The file contains only the bank statement for the period [redacted] to [redacted], which was already available in the file. Exception remains. Buyer Comment (2026-09-30): [redacted] months statements for both accounts Reviewer Comment (2026-09-30): Provide consecutive [redacted] months bank statement as provided bank statement is not dated quarterly. Exception remains. Buyer Comment (2026-09-28): it's a quarterly statement. it has [redacted] months. |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226300978 | [Redacted] | [Redacted] | 37616157 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | Reviewer Comment (2026-10-12): Bid tape data is corrected to [redacted]. Exception cleared. Buyer Comment (2026-10-09): [redacted] respectfully disagrees with [redacted] statement. We show a DSCR of [redacted], please review and clear condition Reviewer Comment (2026-10-07): Bid tape data is not changed to [redacted]. Exception remains. Buyer Comment (2026-10-05): [redacted] has updated our bidtape to reflect DSCR of [redacted]. Updated bidtape will be sent in the next [redacted] hours Reviewer Comment (2026-10-01): Bid tape is still pending update. To clear the exception, we require the bid tape to reflect DSCR as [redacted]. Exception remains. Buyer Comment (2026-09-29): Hello, [redacted] agrees that the rent should be $[redacted] this will be updated on this week's BidTape that will be submitted on [redacted]. Thank you. |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226300980 | [Redacted] | [Redacted] | 37631293 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of [redacted] years. | Business in existence for less than [redacted] years. Missing Lender Exception Approval Form from file. | Borrower has verified disposable income of at least $[redacted] Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-02): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-10-02): Lender exception approval provided for bank statement program requires business open for minimum of [redacted] months. Buyer Comment (2026-09-30): except aprvl pld |
10/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226300980 | [Redacted] | [Redacted] | 37631307 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower's ownership percentage is less than [redacted]%. Missing Lender Exception Approval Form from file. | Borrower has verified disposable income of at least $[redacted] Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-02): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-10-02): Received lender exception approval for less than [redacted]% ownership. Buyer Comment (2026-09-30): except aprvl pld |
10/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226300984 | [Redacted] | [Redacted] | 37614935 | Compliance | Compliance | Miscellaneous Compliance | Compliance | TRID Error: Cash at settlement from or to borrower is blank. | - | The Final Closing Disclosure is incomplete; the [redacted] and [redacted] pages are missing. | Reviewer Comment (2026-10-15): [redacted] received full copy of final CD Buyer Comment (2026-10-14): please see attached final cd with all pages included |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226300984 | [Redacted] | [Redacted] | 37614949 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | The Final Closing Disclosure is incomplete; the [redacted] and [redacted] pages are missing. | Reviewer Comment (2026-10-15): [redacted] received completed copy of [redacted] final CD Buyer Comment (2026-10-14): please see attached final cd with all pages included |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | If complete CD was provided to consumer at consummation, provide copy of complete CD with all pages for review. If complete CD was not provided to the consumer at consummation, inaccurate disclosures and under/over disclosures resulting from incomplete closing disclosure will require a cure. Provide the following: Letter of Explanation notifying borrower or error, Complete CD with accurate disclosures, copy of refund for any required restitution, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) |
C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226300984 | [Redacted] | [Redacted] | 37614950 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page [redacted]. | The Final Closing Disclosure is incomplete; the [redacted] and [redacted] pages are missing. | Reviewer Comment (2026-10-15): [redacted] received completed copy of [redacted] final CD Buyer Comment (2026-10-14): please see attached final cd with all pages included |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226300984 | [Redacted] | [Redacted] | 37614951 | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. | The Final Closing Disclosure is incomplete; the [redacted] and [redacted] pages are missing. | Reviewer Comment (2026-10-15): [redacted] received completed copy of [redacted] final CD |
10/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226300985 | [Redacted] | [Redacted] | 37615005 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | The Guides require a document to verify the terms of the payment via either the Divorce Decree, Separation Agreement, Court Order, or Notarized Agreement signed by all parties and their attorneys. | Reviewer Comment (2026-10-28): Child support associated. Exception cleared. Buyer Comment (2026-10-27): Child support Reviewer Comment (2026-10-20): [redacted] List Child support $[redacted] monthly Buyer Comment (2026-10-16): Can you clarify why this needed? No Alimony or child support |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | D | B | C | B | A | A | D | A | N/A | N/A | No | |||||||||||
| 226300985 | [Redacted] | [Redacted] | 37615009 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | A secondary valuation is required for securitization. | Reviewer Comment (2026-10-20): document provided Buyer Comment (2026-10-16): Desk review |
10/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | GA | Investment | Purchase | D | B | C | B | A | A | D | A | N/A | N/A | No | |||||||||||
| 226300985 | [Redacted] | [Redacted] | 37627105 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to use AirDNA as projected rental income on subject. The amount of the annual income from the AirDNA to be used for rental calculations will be [redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-20): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-16): Exception |
10/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Purchase | D | B | C | B | A | A | D | A | N/A | N/A | No | ||||||||
| 226301093 | [Redacted] | [Redacted] | 37615054 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[redacted] is less than the Note Amount of $[redacted] based on the preliminary in file. | Reviewer Comment (2026-10-05): Title policy received with coverage amount, exception cleared Buyer Comment (2026-10-01): title sup |
10/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226301093 | [Redacted] | [Redacted] | 37615056 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Reviewer Comment (2026-10-05): Received Closing Disclosure for [redacted], Exception cleared. Buyer Comment (2026-10-01): [redacted] |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226301095 | [Redacted] | [Redacted] | 37630914 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Land survey fee of $[redacted] was not disclosed on the initial or final Loan Estimate. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-10-28): [redacted] received Post CD and LOX. Buyer Comment (2026-10-27): Please see attached. |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226301102 | [Redacted] | [Redacted] | 37615133 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure was not provided to Borrower(s) at least [redacted] business days prior to closing. | Reviewer Comment (2026-09-30): [redacted] received [redacted] CD received [redacted] business days prior to consummation. Buyer Comment (2026-09-29): tracking upld |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226301127 | [Redacted] | [Redacted] | 37615043 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Sufficient cure is required. | Reviewer Comment (2026-10-19): [redacted] received Valid COC dated [redacted]. Buyer Comment (2026-10-15): RCD with COC |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226301127 | [Redacted] | [Redacted] | 37615044 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Sufficient cure is required. | Reviewer Comment (2026-10-30): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-29): Sent out today Buyer Comment (2026-10-29): PCCD with cure |
10/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226301128 | [Redacted] | [Redacted] | 37617015 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment was not found in file. | Reviewer Comment (2026-10-01): required doc was provided in trailing docs Seller Comment (2026-09-25): Please see attached |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| 226301128 | [Redacted] | [Redacted] | 37617016 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Prepayment Rider was not found in file. | Reviewer Comment (2026-10-01): Required doc was provided in trailing docs Seller Comment (2026-09-25): Please see attached |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226301161 | [Redacted] | [Redacted] | 37615282 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax first disclosed as $[redacted] and then on final Closing Disclosure as $[redacted] File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. | Reviewer Comment (2026-10-01): [redacted] received valid rebuttal comment for the fee was increased. Buyer Comment (2026-09-29): See[redacted] and[redacted]. Loan amount changed and product. Went from [redacted] ARM to [redacted] ARM |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226302218 | [Redacted] | [Redacted] | 37708656 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: FICO | Reviewer Comment (2026-09-30): [redacted] concurs. Condition cleared. Reviewer Comment (2026-09-29): The CB is the primary wage earner with the higher mid score. Per the lender guides, the mid score of the primary wage earner is to be used. Buyer Comment (2026-09-29): [redacted] used the highest middle score ([redacted]) in align with the loan program of Full Doc Loan. Please see CBR in page [redacted]. B1 is the primary income earner. |
09/30/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226302220 | [Redacted] | [Redacted] | 37615764 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was not disclosed on LE but disclosed as $[redacted] on Final closing disclosure. No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-10-02): [redacted] received Corrected PCCD and LOE moving fee to section H. Buyer Comment (2026-10-01): clerical pccd/lox and proof sent to bwr also upld Buyer Comment (2026-10-01): title email confirming bwr opted for survey upld |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226302220 | [Redacted] | [Redacted] | 37615765 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax was not disclosed on LE but disclosed as $[redacted] on Final closing disclosure. No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-10-07): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-06): pccd docs upld Reviewer Comment (2026-10-02): [redacted] This is a Purchase transaction, and transfer tax should have been disclosed from Initial LE. Change in loan amount is not a valid reason to add transfer taxes. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-09-30): please cancel, the le on [redacted] and coc on [redacted] reflects we disclosed $[redacted] due to loan amount change and cured the difference on $[redacted] on the closing cd, section j |
10/07/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226302220 | [Redacted] | [Redacted] | 37615922 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender approved exception for the [redacted] fico for [redacted]% vs [redacted]. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-05): Client elects to waive with compensating factors. Buyer Comment (2026-10-01): exception aprvl upld |
10/05/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||
| 226302349 | [Redacted] | [Redacted] | 37628716 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The VOE in file for the Coborrower is not within [redacted] days of closing as required by guidelines for a salaried Borrower. | Reviewer Comment (2026-10-19): Document[redacted] updated Buyer Comment (2026-10-16): please see B2 closing VOE doc[redacted] |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226302349 | [Redacted] | [Redacted] | 37628722 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to missing income documentation: The VOE in file for the Coborrower is not within [redacted] days of closing as required by guidelines for a salaried Borrower. | Reviewer Comment (2026-10-19): Document[redacted] updated Buyer Comment (2026-10-16): please see B2 closing VOE doc[redacted] |
10/19/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226302349 | [Redacted] | [Redacted] | 37628723 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR risk due to missing income documentation: The VOE in file for the Coborrower is not within [redacted] days of closing as required by guidelines for a salaried Borrower. | Reviewer Comment (2026-10-19): Document[redacted] updated Buyer Comment (2026-10-16): please see B2 closing VOE doc[redacted] |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226302349 | [Redacted] | [Redacted] | 37628724 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR risk due to missing income documentation: The VOE in file for the Coborrower is not within [redacted] days of closing as required by guidelines for a salaried Borrower. | Reviewer Comment (2026-10-19): Document [redacted] updated Buyer Comment (2026-10-16): please see B2 closing VOE doc[redacted] |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226302349 | [Redacted] | [Redacted] | 37660525 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The loan discount points increased to $[redacted] on [redacted] without a valid Change of Circumstance or cure to Borrower. | Reviewer Comment (2026-10-23): [redacted] received a valid COC. Buyer Comment (2026-10-22): LE & COC |
10/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226303159 | [Redacted] | [Redacted] | 37616359 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-10-05): Document upload in loan images Buyer Comment (2026-09-25): Disclosure Tracking |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226303159 | [Redacted] | [Redacted] | 37616386 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Credit Report fee increased to $[redacted] without a valid Change of Circumstance; however, cure was provided to the borrower. | Reviewer Comment (2026-09-22): Sufficient Cure Provided At Closing |
09/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226303268 | [Redacted] | [Redacted] | 37681137 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | File is missing the most recent [redacted] months mortgage pay history for the borrower's primary residence which is required per lender guides. | Reviewer Comment (2026-10-20): Cleared. Received most recent [redacted] months pay history for mortgage. Buyer Comment (2026-10-16): statements Reviewer Comment (2026-10-12): DD is unable to cancel. This is required per the lender guides. Buyer Comment (2026-10-08): Please cancel invalid condition Reviewer Comment (2026-10-08): Per lender guides, section [redacted], the following is required: For Investor Cash Flow loans, mortgages not reporting on credit do not need to be verified provided they are neither attached to the subject property nor any of the Applicant's primary residence. Buyer Comment (2026-10-06): For Investor Cash Flow loans, mortgages not reporting on credit do not need to be verified provided they are neither attached to the subject property nor any of the Applicant's primary residence. Please cancel invalid condition Reviewer Comment (2026-10-06): Received history [redacted]/[redacted]. File is missing the payments from [redacted]/[redacted]-closing for the borrower's primary. Buyer Comment (2026-09-25): payment history |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226303670 | [Redacted] | [Redacted] | 37615574 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing a CPA letter or an operating agreement confirming applicant's percentage business ownership. | Reviewer Comment (2026-09-24): CPA Letter received and associated. Exception cleared. Seller Comment (2026-09-23): CPA documents |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226303670 | [Redacted] | [Redacted] | 37615575 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing a CPA letter or an operating agreement confirming applicant's percentage business ownership. | Reviewer Comment (2026-09-24): CPA Letter received and associated. Exception cleared. Seller Comment (2026-09-23): CPA |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226303670 | [Redacted] | [Redacted] | 37615578 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing CPA letter or operating agreement. | Reviewer Comment (2026-09-24): CPA Letter received and associated. Exception cleared. Seller Comment (2026-09-23): CPA documents |
09/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226303670 | [Redacted] | [Redacted] | 37615580 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing CPA letter or operating agreement. | Reviewer Comment (2026-09-24): CPA Letter received and associated. Exception cleared. Seller Comment (2026-09-23): CPA documents |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226303670 | [Redacted] | [Redacted] | 37615583 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing CPA letter or operating agreement. | Reviewer Comment (2026-09-24): CPA Letter received and associated. Exception cleared. Seller Comment (2026-09-23): CPA documents |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226303900 | [Redacted] | [Redacted] | 37618942 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date of [redacted] is after Note Date of [redacted]. A Hazard Insurance Policy effective on or prior to Note Date is required. | Reviewer Comment (2026-10-09): Received the Closing Statement reflecting a disbursement date of [redacted]. The hazard insurance policy effective date is on the disbursement date. Exception cleared. Buyer Comment (2026-10-07): this is also a [redacted] loan which does not sign and disburse on the same day as they are an escrow state Buyer Comment (2026-10-07): The HOI date needs to match the disbursement date not the note date. Reviewer Comment (2026-10-07): As per Final closing disclosure [redacted] Disbursement date is [redacted]. Require Hazard Insurance policy effective on or prior to note date [redacted]. Exception Remains. Buyer Comment (2026-10-05): disbursement was not until [redacted] |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226303900 | [Redacted] | [Redacted] | 37618951 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-22): Sufficient Cure Provided At Closing |
09/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226303900 | [Redacted] | [Redacted] | 37618952 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-22): Sufficient Cure Provided At Closing |
09/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226303900 | [Redacted] | [Redacted] | 37618953 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | ARM Disclosure was not provided to borrower within [redacted] days of application. | Reviewer Comment (2026-10-09): Verified that the ARM disclosure was provided to the borrower within the required [redacted]-day timeframe from application. Exception cleared. Buyer Comment (2026-10-07): see at the top it is stamped with [redacted] Reviewer Comment (2026-10-07): Audit trail documentation was provided under [redacted], with the earliest available document dated [redacted]. Initial Disclosures were reportedly provided on [redacted] and are referenced under [redacted]; however, it is not clearly documented whether the disclosure package included the required ARM disclosures. Exception Remains. Buyer Comment (2026-10-05): The Arm disclosures were sent within the initial disclosures on [redacted] Reviewer Comment (2026-10-02): Verified through the audit trail that disclosures were received on or after [redacted]. ARM disclosure required within [redacted] days of application has not been provided. Exception remains. Buyer Comment (2026-09-30): audit trail |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226304066 | [Redacted] | [Redacted] | 37619324 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing was not found in file. | Reviewer Comment (2026-11-02): Certificate of Good Standing associated and verified. Exception cleared. |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226304066 | [Redacted] | [Redacted] | 37619326 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution was not found in file. | Reviewer Comment (2026-11-02): Corporate Resolution docuemnt received and verified. Exception cleared. Buyer Comment (2026-10-29): Please see attached. |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226304158 | [Redacted] | [Redacted] | 37620083 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Missing the mortgage statement to confirm the full PITIA. | Reviewer Comment (2026-10-06): Received final CD from the purchase. Cleared. Reviewer Comment (2026-10-06): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Insurance Verification, Tax Verification Buyer Comment (2026-10-02): complete cd for [redacted] upld Reviewer Comment (2026-10-02): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Address: [redacted] EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Statement Insurance Verification, Tax Verification Reviewer Comment (2026-10-02): For [redacted] [redacted] , Provided CD on [redacted] does not reflect P&I information. Required a complete CD or supporting documentation to verify the payment amount. Exception remains. Buyer Comment (2026-09-30): For [redacted] see cd on [redacted], taxes on [redacted] and hoi on [redacted]. For [redacted] see appraisal on [redacted] that reflects vacant and confirms taxes (there is no hoi), the cd is on [redacted] |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226304308 | [Redacted] | [Redacted] | 37625555 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | DSCR discrepancy due to Lender utilizing a lesser HOA due than reflected on Appraisal source document. | Reviewer Comment (2026-10-07): Bid tape updated. Exception cleared. Buyer Comment (2026-10-05): please clear, the bid tape has been updated. Reviewer Comment (2026-10-01): Received lenders updated DSCR calculations. Once bid tape is updated, condition can be cleared. Buyer Comment (2026-09-29): DSCR [redacted] Buyer Comment (2026-09-29): [redacted] has corrected our bidtape to reflect DSCR of [redacted] Updated bidtape will be sent in the next [redacted] hours Please see updated DSCR Calc |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226304325 | [Redacted] | [Redacted] | 37631228 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing a Verification of Employment within [redacted] days from the note date for the Bank Statement income. | Reviewer Comment (2026-10-19): Received third party verification. Cleared. Buyer Comment (2026-10-16): please see attached investor memo with proof of business license pulled within [redacted] days of Note date Reviewer Comment (2026-10-15): Document doesnt have pull date, Unable to verify Verification of Employment within [redacted] days from the note date for the Bank Statement income. Buyer Comment (2026-10-14): please see self employment closing voe doc [redacted] |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226304325 | [Redacted] | [Redacted] | 37631255 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing a Verification of Employment within [redacted] days from the note date for the Bank Statement income. | Reviewer Comment (2026-10-19): Received third party verification. Cleared. Buyer Comment (2026-10-16): please see attached investor memo with proof of business license pulled within [redacted] days of Note date Reviewer Comment (2026-10-15): Document doesnt have pull date, Unable to verify Verification of Employment within [redacted] days from the note date for the Bank Statement income. Buyer Comment (2026-10-14): please see self employment closing voe doc [redacted] |
10/19/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226304325 | [Redacted] | [Redacted] | 37631256 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing a Verification of Employment within [redacted] days from the note date for the Bank Statement income. | Reviewer Comment (2026-10-19): Received third party verification. Cleared. Buyer Comment (2026-10-16): please see attached investor memo with proof of business license pulled within [redacted] days of Note date Reviewer Comment (2026-10-15): Document doesnt have pull date, Unable to verify Verification of Employment within [redacted] days from the note date for the Bank Statement income. Buyer Comment (2026-10-14): please see self employment closing voe doc [redacted] |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226304325 | [Redacted] | [Redacted] | 37861234 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Document doesnt have pull date, Unable to verify Verification of Employment within [redacted] days from the note date for the Bank Statement income. | Reviewer Comment (2026-10-19): Received third party verification. Cleared. Buyer Comment (2026-10-16): please see attached investor memo with proof of business license pulled within [redacted] days of Note date |
10/19/2026 | No | 1 | A | A | A | A | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 226304326 | [Redacted] | [Redacted] | 37623420 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification was not found in file. | Reviewer Comment (2026-10-20): Document provided Buyer Comment (2026-10-16): HOA dues |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226304741 | [Redacted] | [Redacted] | 37623924 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Reviewer Comment (2026-10-19): [redacted] received disclosure tracking for initial LE. Buyer Comment (2026-10-16): disclosure tracking |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226304811 | [Redacted] | [Redacted] | 37623755 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | DSCR Used Market rent $[redacted]/PITIA of $[redacted] (P&I $[redacted] + HOI $[redacted] + HOA $[redacted] + Taxes $[redacted]) = [redacted] | Reviewer Comment (2026-09-24): Received correct bid tape. |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226304811 | [Redacted] | [Redacted] | 37623760 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Condo/PUD Warranty document was not provided in the loan file. | Reviewer Comment (2026-09-29): Cleared. Received form [redacted] lender review. Meets guideline requirements. Seller Comment (2026-09-29): QUESTIONNAIRE Seller Comment (2026-09-29): Condo Questionnaire Reviewer Comment (2026-09-24): HOA Questionnaire or Project Approval stating that the condo is warrantable is required. Exception remains. Seller Comment (2026-09-24): condo docs |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226304811 | [Redacted] | [Redacted] | 37623761 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Master Policy is missing in the loan file. | Reviewer Comment (2026-09-24): Master Hazard Policy is provided. Exception cleared. Seller Comment (2026-09-24): condo docs |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226305038 | [Redacted] | [Redacted] | 37623630 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Application date was [redacted] and initial Loan Estimate was issued [redacted]. | Reviewer Comment (2026-10-01): [redacted] received disclosure summary with additional rebuttal comment and further review the initial disclosures are sent to borrower within that timing requirement. Buyer Comment (2026-09-29): There was no LE's sent on [redacted]. the application date is also not [redacted]. The property was still TBD until [redacted] Reviewer Comment (2026-09-29): [redacted] received disclosure tracking for the [redacted] LE. Please provide the [redacted] LE as it is not located in file. Buyer Comment (2026-09-28): audit trail |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226305173 | [Redacted] | [Redacted] | 37624188 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-26): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-23): PCCD with cure. Sent out today |
10/26/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226305423 | [Redacted] | [Redacted] | 37628461 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Declining Prepayment Rider was not found in file. | Reviewer Comment (2026-10-15): Declining Prepayment Rider - cleared Buyer Comment (2026-10-14): please see attached mortgage prepayment rider Reviewer Comment (2026-10-08): Need the Declining Prepayment Rider to the Security Instrument not the Prepayment Addendum to the Note Buyer Comment (2026-10-07): please see attached prepayment mtg rider |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226305461 | [Redacted] | [Redacted] | 37722975 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-01): Sufficient Cure Provided At Closing |
10/01/2026 | No | 1 | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226306994 | [Redacted] | [Redacted] | 37623694 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-23): Sufficient Cure Provided At Closing |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226306994 | [Redacted] | [Redacted] | 37681524 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance nor evidence of cure was provided in file for increase in Appraisal Fee. | Reviewer Comment (2026-09-24): Cured at closing or within [redacted] days of consummation prior to TPR review |
09/24/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226306994 | [Redacted] | [Redacted] | 37681525 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance nor evidence of cure was provided in file for increase in Appraisal Review Fee. | Reviewer Comment (2026-10-05): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-02): PCCD, LOX, Label and check |
10/05/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226306994 | [Redacted] | [Redacted] | 37681526 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance nor evidence of cure was provided in file for increase in Credit Report Fee. | Reviewer Comment (2026-10-05): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-02): see uploaded |
10/05/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226313036 | [Redacted] | [Redacted] | 37677284 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD/Closing Disclosure is missing in loan file. | Reviewer Comment (2026-09-30): Final HUD/Closing Disclosure, cleared Buyer Comment (2026-09-30): fss upld |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226313036 | [Redacted] | [Redacted] | 37683871 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided | The mortgage payoff is missing from the file. | Reviewer Comment (2026-09-30): Credit Payoff Statement, cleared Buyer Comment (2026-09-30): pay off is on [redacted] |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226313042 | [Redacted] | [Redacted] | 37677325 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment (2026-10-19): Final Title Policy with sufficient coverage, cleared |
10/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 226313042 | [Redacted] | [Redacted] | 37677337 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Exception request for Title Policy amount of $[redacted] is less than the note amount of $[redacted] based on the Preliminary in file. | Reviewer Comment (2026-10-19): Final Title Policy with sufficient coverage, cleared Buyer Comment (2026-10-19): FTP |
10/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||
| 226313045 | [Redacted] | [Redacted] | 37703770 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: DSCR | Reviewer Comment (2026-10-05): Received lease addendum to unit [redacted] reflects rent as $[redacted] Actual rent $[redacted] used to calculate DSCR. Exception Cleared. Buyer Comment (2026-10-01): [redacted] respectfully disagrees with [redacted]'s comment. Unit [redacted]'s rent is $[redacted]/mo per [redacted] amendment ([redacted]) Unit [redacted]'s rent is also $[redacted]/mo ([redacted]) Please review these documents and update DSCR to reflect [redacted] Reviewer Comment (2026-10-01): Lease agreement provided for unit [redacted] reflects rent $[redacted] and unit [redacted] shows $[redacted] with actual rent being $[redacted] and DSCR [redacted]. Bid tape reflects [redacted]. Exception remains Buyer Comment (2026-09-29): Lease Agreements; DSCR Calc Buyer Comment (2026-09-29): [redacted] respectfully disagrees with [redacted] DSCR designation. [redacted] using market rents iao $[redacted] Per Lease Agreements, actual rents are $[redacted] It is best practice to use lessor of actual and market rents $[redacted] / $[redacted] = [redacted] Please see uploaded lease agreements and correct [redacted] |
10/05/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 226313047 | [Redacted] | [Redacted] | 37677077 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-09-23): Sufficient Cure Provided At Closing |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226313047 | [Redacted] | [Redacted] | 37682063 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | DTI variance. Lender's DTI: [redacted]%. Review DTI: [redacted]%. DTI variance is due to Lender's calculation of $[redacted] in monthly income versus actual amount of $[redacted] per month. | Reviewer Comment (2026-10-06): Bid tape updated. Condition cleared. Buyer Comment (2026-10-02): bid tape updated Reviewer Comment (2026-09-30): Received corrected [redacted] and [redacted] document with the corrected DTI information. Bid Tape data screen need to be corrected as per the revised [redacted] document. Exception Remains. Buyer Comment (2026-09-28): [redacted] & [redacted] |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226313069 | [Redacted] | [Redacted] | 37677326 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD/Closing Disclosure missing in Loan File. | Reviewer Comment (2026-10-19): Received required documentation. Condition cleared. Buyer Comment (2026-10-15): please see attached settlement statement Reviewer Comment (2026-10-08): Need the Final Closing Statement not an Estimated Statement Buyer Comment (2026-10-07): please see attached alta |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226313079 | [Redacted] | [Redacted] | 37631133 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | HUD/Closing Disclosure (Asset) was not found in file. | Reviewer Comment (2026-10-19): Document provided Buyer Comment (2026-10-15): please see attached asset bridge cd [redacted] |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226313079 | [Redacted] | [Redacted] | 37631144 | Compliance | Compliance | Miscellaneous Compliance | Compliance | TRID Error: Cash at settlement from or to borrower is blank. | - | Incomplete Closing Disclosure. | Reviewer Comment (2026-10-16): Received complete CD. Buyer Comment (2026-10-15): please see attached subject property cd missing page [redacted] |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226313079 | [Redacted] | [Redacted] | 37631161 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | Incomplete Closing Disclosure. | Reviewer Comment (2026-10-16): Received complete CD. Buyer Comment (2026-10-15): please see attached subject property cd missing page [redacted] |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | If complete CD was provided to consumer at consummation, provide copy of complete CD with all pages for review. If complete CD was not provided to the consumer at consummation, inaccurate disclosures and under/over disclosures resulting from incomplete closing disclosure will require a cure. Provide the following: Letter of Explanation notifying borrower or error, Complete CD with accurate disclosures, copy of refund for any required restitution, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) |
C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226313146 | [Redacted] | [Redacted] | 37684068 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance nor evidence of cure was provided in file for increase in Verification of Tax Return Fee. | Reviewer Comment (2026-10-23): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-22): PCCD with cure, sent out today |
10/23/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226313148 | [Redacted] | [Redacted] | 37677608 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was disclosed as $[redacted] on the initial Loan Estimate but was disclosed as $[redacted] on the final Closing Disclosure. A valid change of circumstance is not provided for the fee increase and no evidence of tolerance cure is provided. | Reviewer Comment (2026-10-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-30): PCCD, LOX, Label and Check |
10/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226313148 | [Redacted] | [Redacted] | 37677609 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Taxes were disclosed as $[redacted] on the initial Loan Estimate but were disclosed as $[redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. | Reviewer Comment (2026-10-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-30): see uploaded |
10/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226313453 | [Redacted] | [Redacted] | 37677065 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement confirms property has escrows but does not verify if it includes Taxes and Insurance. Insurance and tax statements not provided. | Reviewer Comment (2026-10-26): Received required documentation. Condition cleared. Reviewer Comment (2026-10-26): The statement provided reflects [redacted] instead of the address [redacted], insurance only, Both, PMI....). Reviewer Comment (2026-10-16): Please provided statement that shows the Escrows are Taxes and Insurance Buyer Comment (2026-10-15): Statement shows escrows, which are for taxes and insurance so those forms are not required. |
10/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226313453 | [Redacted] | [Redacted] | 37677066 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Purchase Agreement/ Sales Contract showing Intent to sell, and statement for second lien was not provided for departing residence located at [redacted]. | Reviewer Comment (2026-10-16): Document provided in doc images Buyer Comment (2026-10-15): Appraisal for departing, listing , and statement |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226313453 | [Redacted] | [Redacted] | 37677067 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI variance. Lenders DTI: [redacted]%. Review DTI: [redacted]%. Variance is due to PITI for departing residence located at [redacted] being added to the DTI calculation ratio as confirmation of intent to sell not being provided in file. | Reviewer Comment (2026-10-26): Received required documentation. Condition cleared. Buyer Comment (2026-10-22): Departing residence can be removed from DTI. The DTI of [redacted]% is correct as is |
10/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226313453 | [Redacted] | [Redacted] | 37677124 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR failure due to missing income documentation: third party verification not provided for [redacted], [redacted], [redacted], [redacted], and [redacted]. | Reviewer Comment (2026-11-04): Signed & dates tax returns received. Exception cleared. Buyer Comment (2026-11-02): See all signed returns Reviewer Comment (2026-10-26): Received [redacted] party verification, however the exception remains. All returns are not signed/dated. Once received, exception will be re-evaluated. |
11/04/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226313453 | [Redacted] | [Redacted] | 37677125 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - K-1 Less [redacted]% | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current K-1 (Less than [redacted]% Ownership) status using reasonably reliable third-party records. | ATR failure due to missing income documentation: third party verification not provided for [redacted], [redacted], [redacted], [redacted], and [redacted]. | Reviewer Comment (2026-11-04): Signed & dates tax returns received. Exception cleared. Buyer Comment (2026-11-02): All tax returns signed Reviewer Comment (2026-10-26): Received [redacted] party verification, however the exception remains. All returns are not signed/dated. Once received, exception will be re-evaluated. |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226313453 | [Redacted] | [Redacted] | 37677126 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - K-1 Less [redacted]% | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current K-1 (Less than [redacted]% Ownership) status using reasonably reliable third-party records. | ATR failure due to missing income documentation: third party verification not provided for [redacted], [redacted], [redacted], [redacted], and [redacted]. | Reviewer Comment (2026-11-04): Signed & dates tax returns received. Exception cleared. Buyer Comment (2026-11-02): See all signed returns Reviewer Comment (2026-10-26): Received [redacted] party verification, however the exception remains. All returns are not signed/dated. Once received, exception will be re-evaluated. |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226313453 | [Redacted] | [Redacted] | 37677127 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - K-1 Less [redacted]% | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current K-1 (Less than [redacted]% Ownership) status using reasonably reliable third-party records. | ATR failure due to missing income documentation: third party verification not provided for [redacted], [redacted], [redacted], [redacted], and [redacted]. | Reviewer Comment (2026-11-04): Signed & dates tax returns received. Exception cleared. Buyer Comment (2026-11-02): See all signed returns Reviewer Comment (2026-10-26): Received [redacted] party verification, however the exception remains. All returns are not signed/dated. Once received, exception will be re-evaluated. |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226313453 | [Redacted] | [Redacted] | 37677128 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less [redacted]% | Ability to Repay (Dodd-Frank [redacted]): Unable to verify K-1 (Less than [redacted]% Ownership) income using reasonably reliable third-party records. | ATR failure due to missing income documentation: third party verification not provided for [redacted], [redacted], [redacted], [redacted], and [redacted]. | Reviewer Comment (2026-11-04): Signed & dates tax returns received. Exception cleared. Buyer Comment (2026-11-02): See all signed returns Reviewer Comment (2026-10-26): Received [redacted] party verification, however the exception remains. All returns are not signed/dated. Once received, exception will be re-evaluated. |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226313453 | [Redacted] | [Redacted] | 37677129 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less [redacted]% | Ability to Repay (Dodd-Frank [redacted]): Unable to verify K-1 (Less than [redacted]% Ownership) income using reasonably reliable third-party records. | ATR failure due to missing income documentation: third party verification not provided for [redacted], [redacted], [redacted], [redacted], and [redacted]. | Reviewer Comment (2026-11-04): Signed & dates tax returns received. Exception cleared. Buyer Comment (2026-11-02): See all signed returns Reviewer Comment (2026-10-26): Received [redacted] party verification, however the exception remains. All returns are not signed/dated. Once received, exception will be re-evaluated. |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226313453 | [Redacted] | [Redacted] | 37677130 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less [redacted]% | Ability to Repay (Dodd-Frank [redacted]): Unable to verify K-1 (Less than [redacted]% Ownership) income using reasonably reliable third-party records. | ATR failure due to missing income documentation: third party verification not provided for [redacted], [redacted], [redacted], [redacted], and [redacted]. | Reviewer Comment (2026-11-04): Signed & dates tax returns received. Exception cleared. Buyer Comment (2026-11-02): See all signed returns Reviewer Comment (2026-10-26): Received [redacted] party verification, however the exception remains. All returns are not signed/dated. Once received, exception will be re-evaluated. |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226313453 | [Redacted] | [Redacted] | 37677131 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less [redacted]% | Ability to Repay (Dodd-Frank [redacted]): Unable to verify K-1 (Less than [redacted]% Ownership) income using reasonably reliable third-party records. | ATR failure due to missing income documentation: third party verification not provided for [redacted], [redacted], [redacted], [redacted], and [redacted]. | Reviewer Comment (2026-11-04): Signed & dates tax returns received. Exception cleared. Buyer Comment (2026-11-02): See all signed returns Reviewer Comment (2026-10-26): Received [redacted] party verification, however the exception remains. All returns are not signed/dated. Once received, exception will be re-evaluated. |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226313453 | [Redacted] | [Redacted] | 37677132 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Partnership income using reasonably reliable third-party records. | ATR failure due to missing income documentation: third party verification not provided for [redacted], [redacted], [redacted], [redacted], and [redacted]. | Reviewer Comment (2026-11-04): Signed & dates tax returns received. Exception cleared. Buyer Comment (2026-11-02): See all signed returns Reviewer Comment (2026-10-26): Received [redacted] party verification, however the exception remains. All returns are not signed/dated. Once received, exception will be re-evaluated. |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226313453 | [Redacted] | [Redacted] | 37677133 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR failure due to missing income documentation: third party verification not provided for [redacted], [redacted], [redacted], [redacted], and [redacted]. | Reviewer Comment (2026-10-26): Received [redacted] party verification [redacted]g with evidence of the date pulled. Cleared. Buyer Comment (2026-10-22): See system time stamp of receipt of all VOEs . No signatures are required Reviewer Comment (2026-10-16): Documents provided are not signed dated or have pull dates Buyer Comment (2026-10-15): VOEs |
10/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226313453 | [Redacted] | [Redacted] | 37677136 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | ATR failure due to missing income documentation: third party verification not provided for [redacted], [redacted], [redacted], [redacted], and [redacted]. | Reviewer Comment (2026-11-04): Signed & dates tax returns received. Exception cleared. Reviewer Comment (2026-10-26): Received [redacted] party verification, however the exception remains. All returns are not signed/dated. Once received, exception will be re-evaluated. |
11/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226313453 | [Redacted] | [Redacted] | 37677142 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Initial Loan Estimate is dated [redacted] while the application date is [redacted]. | Reviewer Comment (2026-10-26): [redacted] received supporting documentation on receipt of [redacted] piece of information for application date Buyer Comment (2026-10-22): Application date is [redacted] as we received purchase contract on [redacted] Reviewer Comment (2026-10-16): [redacted] received rebuttal comment. However, as per application dated [redacted] ([redacted]) all the [redacted] pieces of information was available except property address [redacted], lender should further clarify the discrepancy with the sales contract dated [redacted]. Buyer Comment (2026-10-15): Application date is not [redacted], see disclosure tracking for [redacted] application date |
10/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226313453 | [Redacted] | [Redacted] | 37677143 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee was disclosed as $[redacted] and then on the final CD as$[redacted] No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-10-16): [redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. Reviewer Comment (2026-10-16): apologies. Incorrectly cancelled the exception. Reviewer Comment (2026-10-16): Recon Screen Incomplete The tile fees are added only on the CD and was not disclosed on any of the Loan Estimates (LEs). Additionally, the "same provider" checkbox was not selected. Upon review, the fee is within the applicable tolerance requirement. Buyer Comment (2026-10-15): See[redacted] Page [redacted] for Final CD, cure is at the bottom of page [redacted] |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226313453 | [Redacted] | [Redacted] | 37684192 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Third party verification not provided for [redacted], [redacted], [redacted], [redacted], and [redacted]. | Reviewer Comment (2026-10-26): Received [redacted] party verification [redacted]g with evidence of the date pulled. Cleared. |
10/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226313453 | [Redacted] | [Redacted] | 37684198 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR failure due to missing income documentation: third party verification not provided for [redacted], [redacted], [redacted], [redacted], and [redacted]. | Reviewer Comment (2026-10-26): Received [redacted] party verification [redacted]g with evidence of the date pulled. Cleared. |
10/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226313453 | [Redacted] | [Redacted] | 37872634 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-16): Sufficient Cure Provided At Closing |
10/16/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226313453 | [Redacted] | [Redacted] | 38074352 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent tax return ([redacted]) is missing in file. | Reviewer Comment (2026-11-04): Most [redacted] years returns were provided with [redacted] on extension. This is allowed to be cleared as the documentation meets lender guides. |
11/04/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 226313453 | [Redacted] | [Redacted] | 38074353 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent tax return ([redacted]) is missing in file. | Reviewer Comment (2026-11-04): Most [redacted] years returns were provided with [redacted] on extension. This is allowed to be cleared as the documentation meets lender guides. |
11/04/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 226313453 | [Redacted] | [Redacted] | 38074354 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent tax return ([redacted]) is missing in file. | Reviewer Comment (2026-11-04): Most [redacted] years returns were provided with [redacted] on extension. This is allowed to be cleared as the documentation meets lender guides. |
11/04/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 226313453 | [Redacted] | [Redacted] | 38074355 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent tax return ([redacted]) is missing in file. | Reviewer Comment (2026-11-04): Most [redacted] years returns were provided with [redacted] on extension. This is allowed to be cleared as the documentation meets lender guides. |
11/04/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 226313609 | [Redacted] | [Redacted] | 37631047 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax & Insurance Verification was not found in file. | Reviewer Comment (2026-11-02): Tax and insurance verification documents received, exception cleared Buyer Comment (2026-10-29): Please see attached. |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226313609 | [Redacted] | [Redacted] | 37689652 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | File is missing the final HUD (signed/stamped) from the sale of the exchange property. Also missing the exchange agreement. | Reviewer Comment (2026-11-02): Final HUD and Exchange Agreement received, exception cleared. Buyer Comment (2026-10-29): Please see attached. |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226313757 | [Redacted] | [Redacted] | 37631261 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-06): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-05): PCCD, LOX, Label and Check |
10/06/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226313757 | [Redacted] | [Redacted] | 37631269 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of $[redacted] is less than Guideline Available for Reserves of $[redacted] | Reviewer Comment (2026-10-05): Sufficient asset in the file, exception cleared Buyer Comment (2026-10-01): The borrower has more than enough assets. [redacted] $[redacted] & [redacted], [redacted] $[redacted] Proceeds $[redacted] Gift of $[redacted] The EMD also was sourced in the [redacted] on [redacted] |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226313757 | [Redacted] | [Redacted] | 37631274 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted] | Reviewer Comment (2026-10-05): Sufficient asset in the file, exception cleared Buyer Comment (2026-10-01): The borrower has more than enough assets. [redacted] $[redacted] & [redacted], [redacted] $[redacted] Proceeds $[redacted] Gift of $[redacted] The EMD also was sourced in the [redacted] on [redacted] |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226313757 | [Redacted] | [Redacted] | 37631288 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Title Commitment or Preliminary Title Policy amount is blank. | Reviewer Comment (2026-10-05): Supplemental Title Commitment received, exception cleared Buyer Comment (2026-10-01): title sup |
10/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226313757 | [Redacted] | [Redacted] | 37631318 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to asset documentation requirements not met. | Reviewer Comment (2026-10-05): Sufficient asset in the file, exception cleared Buyer Comment (2026-10-01): The borrower has more than enough assets. [redacted] $[redacted] & [redacted], [redacted] $[redacted] Proceeds $[redacted] Gift of $[redacted] The EMD also was sourced in the [redacted] on [redacted] |
10/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226313757 | [Redacted] | [Redacted] | 37631319 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to asset documentation requirements not met. | Reviewer Comment (2026-10-05): Sufficient asset in the file, exception cleared Buyer Comment (2026-10-01): The borrower has more than enough assets. [redacted] $[redacted] & [redacted], [redacted] $[redacted] Proceeds $[redacted] Gift of $[redacted] The EMD also was sourced in the [redacted] on [redacted] |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226313757 | [Redacted] | [Redacted] | 37684448 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to asset documentation requirements not met. | Reviewer Comment (2026-10-05): Sufficient asset in the file, exception cleared Buyer Comment (2026-10-01): The borrower has more than enough assets. [redacted] $[redacted] & [redacted], [redacted] $[redacted] Proceeds $[redacted] Gift of $[redacted] The EMD also was sourced in the [redacted] on [redacted] |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226313757 | [Redacted] | [Redacted] | 37684463 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Waterfall due to asset documentation requirements not met. | Reviewer Comment (2026-10-05): Sufficient asset in the file, exception cleared Buyer Comment (2026-10-01): The borrower has more than enough assets. [redacted] $[redacted] & [redacted], [redacted] $[redacted] Proceeds $[redacted] Gift of $[redacted] The EMD also was sourced in the [redacted] on [redacted] |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226315382 | [Redacted] | [Redacted] | 37677376 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Sufficient cure is required. | Reviewer Comment (2026-10-28): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-28): please see attached lox, pccd and check |
10/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226315382 | [Redacted] | [Redacted] | 37677377 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Desk Review Fee was not disclosed on LE but disclosed as $[redacted] on Final closing disclosure. No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-10-23): [redacted] received a valid COC. Buyer Comment (2026-10-22): coc |
10/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226315382 | [Redacted] | [Redacted] | 37677378 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-10-23): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-10-22): this was cured on the final cd |
10/23/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226315382 | [Redacted] | [Redacted] | 37677379 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Property Inspection Fee was not disclosed on LE but disclosed as $[redacted] on Final closing disclosure. No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-10-28): [redacted] received Post CD and LOX. Buyer Comment (2026-10-28): please see attached lox and pccd. this is a third party non apr fee. pccd moving it to section h |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226317497 | [Redacted] | [Redacted] | 37677496 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-10-15): Final Title provided |
10/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||||
| 226317497 | [Redacted] | [Redacted] | 37678529 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-10-15): Final Title provided Buyer Comment (2026-10-14): please see attached final title policy matching loan amount |
10/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||||
| 226317509 | [Redacted] | [Redacted] | 37677197 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement was not provided for REO property. | Reviewer Comment (2026-10-05): Lease agreement received and updated. Buyer Comment (2026-10-01): lease agree upld |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226317509 | [Redacted] | [Redacted] | 37677203 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Lease Agreement was not provided in file for REO property - [redacted]. | Reviewer Comment (2026-10-05): Lease agreement received and updated. Buyer Comment (2026-10-01): lease agree upld to trl docs |
10/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226317509 | [Redacted] | [Redacted] | 37677204 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | Lease Agreement was not provided in file for REO property - [redacted]. | Reviewer Comment (2026-10-05): Lease agreement received and updated. Buyer Comment (2026-10-01): lease agree upld to trl docs |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226317509 | [Redacted] | [Redacted] | 37677205 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | Lease Agreement was not provided in file for REO property - [redacted]. | Reviewer Comment (2026-10-05): Lease agreement received and updated. |
10/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226317514 | [Redacted] | [Redacted] | 37690930 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | The [redacted] indicates there is an approved lender exception. The lender exception form, approval and compensating factors was not located in the file. | Borrower has verified disposable income of at least $[redacted] Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-09): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-07): EXCEPTION APPROVAL |
10/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226317514 | [Redacted] | [Redacted] | 37690999 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-25): Sufficient Cure Provided At Closing |
09/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226317515 | [Redacted] | [Redacted] | 37677080 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided in the file. | Reviewer Comment (2026-09-23): Sufficient Cure Provided At Closing |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226317529 | [Redacted] | [Redacted] | 37680217 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-24): Sufficient Cure Provided At Closing |
09/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226317554 | [Redacted] | [Redacted] | 37690056 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | The [redacted] indicates there is an approved lender exception. The lender exception form, approval and compensating factors was not located in the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-20): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-19): Exception |
10/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 226317558 | [Redacted] | [Redacted] | 37756970 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per lender guides and recent email, file requires either a recent [redacted] month cash flow analysis or a CPA letter indicating the use of business assets will not affect the business operations which is missing from the file. | Reviewer Comment (2026-10-14): month Cash flow analysis provided Buyer Comment (2026-10-08): cash flow |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226317569 | [Redacted] | [Redacted] | 37680282 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | DSCR discrepancy due to lender utilizing a lesser value than the conservative choice of lease amount reflected on source document to qualify borrower. | Reviewer Comment (2026-10-12): Bid tape data has been updated as required. Exception cleared. Buyer Comment (2026-10-09): please clear, the bid tape has been updated. Reviewer Comment (2026-10-07): The Exception will be revisited once the updated bid tape is received. Buyer Comment (2026-10-05): [redacted] agrees and has updated the rental amount. [redacted] now align with [redacted] at [redacted] DSCR. This will be updated on this [redacted]s BID tape. |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226317582 | [Redacted] | [Redacted] | 37681234 | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. | Flood Insurance was not found in file. | Reviewer Comment (2026-09-30): Received evidence of the flood premium. Cleared. Seller Comment (2026-09-28): Please Review |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226317582 | [Redacted] | [Redacted] | 37681235 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | Flood Insurance Policy was not found in file. | Reviewer Comment (2026-10-02): Received required documentation. Condition cleared. Seller Comment (2026-10-02): again, please review page [redacted] of the upload, it shows the dewlling of flood and water backup coverage limits, why is this not acceptable? The mortgagee clause is on page [redacted], what other information are you needing? Please be specific. Reviewer Comment (2026-10-02): Received evidence of the flood premium, however the actual policy showing the coverage and lender was not located. Seller Comment (2026-09-30): Please review page [redacted] of [redacted] to see the flood dwelling coverage, the flood polilcy premium is located on page [redacted] of [redacted] and the lender can also be located on page [redacted] of [redacted]. Reviewer Comment (2026-09-30): Received evidence of the flood premium, however the actual policy showing the coverage and lender was not located. Seller Comment (2026-09-28): Please Review |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226317582 | [Redacted] | [Redacted] | 37681256 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Funds required to close are insufficient. Assets for closing of $[redacted] are less than cash from borrower of $[redacted] | Reviewer Comment (2026-10-02): Qualified Sufficient Reserves to cover Asset and reserves as per guideline requirements. Exception cleared. Seller Comment (2026-10-01): Per the [redacted], there is more than sufficient assets, please review again. Seller Comment (2026-10-01): Please Review |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226317615 | [Redacted] | [Redacted] | 37690329 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | File is missing a complete [redacted] month payment history for the subject property. | Reviewer Comment (2026-10-15): Updated document Buyer Comment (2026-10-14): per lease agreement doc[redacted], lease start date is [redacted]. VOR is doc[redacted] page [redacted] |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226318010 | [Redacted] | [Redacted] | 37680596 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-09-24): Sufficient Cure Provided At Closing |
09/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226318044 | [Redacted] | [Redacted] | 37677049 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee was disclosed as $[redacted] on initial LE and then as $[redacted] on final CD. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-10-06): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-05): PCCD, LOX, Label and Check |
10/06/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226318044 | [Redacted] | [Redacted] | 37691267 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | The file indicates there is an approved lender exception. The lender exception form, approval and compensating factors was not located in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]yr Full Doc Disposable Income: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-10-07): Client elects to waive with comp factors. Reviewer Comment (2026-10-05): Lender Exception with Compensating Factors provided Buyer Comment (2026-10-01): exception |
10/05/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 226318090 | [Redacted] | [Redacted] | 37680761 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Pest Inspection Fee increased from $[redacted] to $[redacted] an increase of $[redacted] without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-10-06): [redacted] received Post CD and LOX. Buyer Comment (2026-10-02): correct LOX Buyer Comment (2026-10-02): PCCD & LOX |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 226318090 | [Redacted] | [Redacted] | 37680992 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is not provided. | Reviewer Comment (2026-10-06): [redacted] received E-sign consent. Buyer Comment (2026-10-02): e-consent |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 226318090 | [Redacted] | [Redacted] | 37681022 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Secondary valuation is not provided. | Reviewer Comment (2026-10-06): Cleared. Received SSR report. Buyer Comment (2026-10-02): SSR |
10/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | XXXX | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 226318107 | [Redacted] | [Redacted] | 37681869 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-09-30): E-Sign Consent Agreement received in file. Exception Cleared. Buyer Comment (2026-09-28): Please see attached. |
09/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226318107 | [Redacted] | [Redacted] | 37681904 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-24): Sufficient Cure Provided At Closing |
09/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226320708 | [Redacted] | [Redacted] | 37682457 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | The disclosed finance charge in the amount of $[redacted] is under-disclosed by $[redacted] compared to the calculated finance charge of $[redacted] which exceeds the $[redacted] threshold. | Reviewer Comment (2026-10-30): [redacted] received LOA. Buyer Comment (2026-10-28): please see attached email from title confirming their $[redacted] tax cert fee is a one time upfront fee and not a life of loan service. please remove from your calculations |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226327189 | [Redacted] | [Redacted] | 37691987 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is short by $[redacted] Please provide updated coverage or Replacement Cost Estimator for subject. | Reviewer Comment (2026-10-19): Replacement coverage listed on Dec Page Buyer Comment (2026-10-16): RCE |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226327189 | [Redacted] | [Redacted] | 37691996 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-25): Sufficient Cure Provided At Closing |
09/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226327189 | [Redacted] | [Redacted] | 37691997 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-25): Sufficient Cure Provided At Closing |
09/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226327198 | [Redacted] | [Redacted] | 37692505 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to insufficient assets. CPA letters showed amounts that can be used without impacting the businesses. Using said amounts resulted in insufficient funds to cover reserves. | Reviewer Comment (2026-10-09): Loan is Non-QM. Buyer Comment (2026-10-07): please provide your calculation, we are showing sufficient assets were provided and we didn't exceed the max on the cpa letters that would impact the businesses. Reviewer Comment (2026-10-06): The amounts indicated on the letter for use of business funds for both businesses is included. Verification of additional funds to close and for reserves is required. Buyer Comment (2026-10-02): please see b1 cpa on [redacted] for $[redacted]k, $[redacted] was used and cpa for b2 on [redacted] for $[redacted]k, $[redacted] was used, proof of sufficient funds were provided |
10/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226327198 | [Redacted] | [Redacted] | 37692506 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to insufficient assets. CPA letters showed amounts that can be used without impacting the businesses. Using said amounts resulted in insufficient funds to cover reserves. | Reviewer Comment (2026-10-09): Sufficient funds is provided to meet reserves requirement and CPA letter for no negative impact on the business. Exception cleared. Reviewer Comment (2026-10-09): Re-open to clear Reviewer Comment (2026-10-06): The amounts indicated on the letter for use of business funds for both businesses is included. Verification of additional funds to close and for reserves is required. Buyer Comment (2026-10-02): please see b1 cpa on [redacted] for $[redacted]k, $[redacted] was used and cpa for b2 on [redacted] for $[redacted]k, $[redacted] was used, proof of sufficient funds were provided |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226327198 | [Redacted] | [Redacted] | 37692507 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Waterfall due to insufficient assets. CPA letters showed amounts that can be used without impacting the businesses. Using said amounts resulted in insufficient funds to cover reserves. | Reviewer Comment (2026-10-12): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-08): pccd docs upld |
10/12/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226327198 | [Redacted] | [Redacted] | 37692508 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Waterfall due to insufficient assets. CPA letters showed amounts that can be used without impacting the businesses. Using said amounts resulted in insufficient funds to cover reserves. | Reviewer Comment (2026-10-12): [redacted] received Corrected PCCD and LOE moving fee to section H. Buyer Comment (2026-10-08): pccd docs upld to trl docs Reviewer Comment (2026-10-06): [redacted] Natural Hazard Disclosure report fee added on CD dated [redacted] under section C and as per Final SS, fee is Miscellaneous fee. If the fee is third party fee, provide Corrected PCCD and LOE moving fee to section H. Buyer Comment (2026-10-02): please cancel, bwr shopped for services, this is not [redacted]% tolerance, also see final ss on [redacted] for the correct fee name |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226327198 | [Redacted] | [Redacted] | 37692520 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to insufficient assets. CPA letters showed amounts that can be used without impacting the businesses. Using said amounts resulted in insufficient funds to cover reserves. | Reviewer Comment (2026-10-09): Sufficient funds is provided to meet reserves requirement and CPA letter for no negative impact on the business. Exception cleared. Buyer Comment (2026-10-07): please provide your calculation, we are showing sufficient assets were provided and we didn't exceed the max on the cpa letters that would impact the businesses. Reviewer Comment (2026-10-06): The amounts indicated on the letter for use of business funds for both businesses is included. Verification of additional funds to close and for reserves is required. Buyer Comment (2026-10-02): please see b1 cpa on [redacted] for $[redacted]k, $[redacted] was used and cpa for b2 on [redacted] for $[redacted]k, $[redacted] was used, proof of sufficient funds were provided |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226327198 | [Redacted] | [Redacted] | 37692523 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Waterfall due to insufficient assets. CPA letters showed amounts that can be used without impacting the businesses. Using said amounts resulted in insufficient funds to cover reserves. | Reviewer Comment (2026-10-09): Sufficient funds is provided to meet reserves requirement and CPA letter for no negative impact on the business. Exception cleared. Buyer Comment (2026-10-07): please provide your calculation, we are showing sufficient assets were provided and we didn't exceed the max on the cpa letters that would impact the businesses. Reviewer Comment (2026-10-06): The amounts indicated on the letter for use of business funds for both businesses is included. Verification of additional funds to close and for reserves is required. Buyer Comment (2026-10-02): please see b1 cpa on [redacted] for $[redacted]k, $[redacted] was used and cpa for b2 on [redacted] for $[redacted]k, $[redacted] was used, proof of sufficient funds were provided |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226327198 | [Redacted] | [Redacted] | 37692524 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [redacted] are less than Guideline PITIA months reserves of [redacted]. CPA letters showed amounts that can be used without impacting the businesses. Using said amounts resulted in insufficient funds to cover reserves. | Reviewer Comment (2026-10-09): Sufficient funds is provided to meet reserves requirement and CPA letter for no negative impact on the business. Exception cleared. Buyer Comment (2026-10-07): please provide your calculation, we are showing sufficient assets were provided and we didn't exceed the max on the cpa letters that would impact the businesses. Reviewer Comment (2026-10-06): The amounts indicated on the letter for use of business funds for both businesses is included. Verification of additional funds to close and for reserves is required. Buyer Comment (2026-10-02): please see b1 cpa on [redacted] for $[redacted]k, $[redacted] was used and cpa for b2 on [redacted] for $[redacted]k, $[redacted] was used, proof of sufficient funds were provided |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226327201 | [Redacted] | [Redacted] | 37710084 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement was not found in file. | Reviewer Comment (2026-10-09): Received required documentation. Condition cleared. Buyer Comment (2026-10-07): see lease on [redacted] |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 226327201 | [Redacted] | [Redacted] | 37713444 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A lender exception approval regaring gift letter and missing leases is noted on the [redacted] however the exception approval document is not located in the file. UPDATE: Lender exception approval for donor is a close friend which does not meet guides. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-09): Client elects to waive with compensating factors. Buyer Comment (2026-10-07): except aprvl upld |
10/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226327201 | [Redacted] | [Redacted] | 37785909 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval for private VOR and missing evidence of [redacted] months cancelled checks when renting from a private landlord | Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-09): Client elects to waive with compensating factors. |
10/09/2026 | Yes | 2 | B | B | B | B | B | AZ | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||||
| 226327210 | [Redacted] | [Redacted] | 37683423 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-24): Sufficient Cure Provided At Closing |
09/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226327414 | [Redacted] | [Redacted] | 37684677 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing OFAC search for borrowing business entity. | Reviewer Comment (2026-10-05): Received OFAC for business entity. Exception cleared. Buyer Comment (2026-10-01): [redacted] |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226327530 | [Redacted] | [Redacted] | 37684784 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Note provided is not signed. | Reviewer Comment (2026-10-07): Received Note for the subject lien. Exception cleared. Buyer Comment (2026-10-02): signed note |
10/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Rate/Term | D | A | B | A | D | A | A | A | N/A | N/A | No | |||||||||||
| 226327530 | [Redacted] | [Redacted] | 37684788 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | As per the Borrower's Letter of Explanation, [redacted] tax liens were paid off. There is no evidence of the liens paid off, or confirmation from the Title Company that liens do not affect title. | Reviewer Comment (2026-10-06): Document provided in loan images Buyer Comment (2026-10-02): final title policy |
10/06/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Rate/Term | D | A | B | A | D | A | A | A | N/A | N/A | No | ||||||||||
| 226327530 | [Redacted] | [Redacted] | 37684789 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | As per the Borrower's Letter of Explanation, [redacted] tax liens were paid off. There is no evidence of the liens paid off, or confirmation from the Title Company that liens do not affect title. | Reviewer Comment (2026-10-06): Document provided in loan images Buyer Comment (2026-10-02): see uploaded |
10/06/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Rate/Term | D | A | B | A | D | A | A | A | N/A | N/A | No | ||||||||||
| 226327530 | [Redacted] | [Redacted] | 37684792 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | As per the Borrower's Letter of Explanation, [redacted] tax liens were paid off. There is no evidence of the liens paid off, or confirmation from the Title Company that liens do not affect title. | Reviewer Comment (2026-10-06): Document provided in loan images Buyer Comment (2026-10-02): see uploaded |
10/06/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Rate/Term | D | A | B | A | D | A | A | A | N/A | N/A | No | ||||||||||
| 226327815 | [Redacted] | [Redacted] | 37685013 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | Lease Agreement was not found in file. | Reviewer Comment (2026-10-15): Doc #[redacted] provided Buyer Comment (2026-10-14): please see rental agreement )doc [redacted]) #[redacted] that states lease will auto renew at [redacted] year intervals. appraisal has tenant box checked, interior photos shows it is occupied and operating income statement (doc[redacted] page [redacted]) is marked rented "yes" |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226327824 | [Redacted] | [Redacted] | 37685377 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Account Statements - Business for [redacted] for #[redacted] was not found in file. | Reviewer Comment (2026-10-30): Document provided Buyer Comment (2026-10-28): please see attached [redacted] [redacted] stmt |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226327824 | [Redacted] | [Redacted] | 37685407 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Account Statement for #[redacted] for the month [redacted] was not found in file. | Reviewer Comment (2026-10-30): Document provided Buyer Comment (2026-10-28): please see attached [redacted] [redacted] stmt |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226327824 | [Redacted] | [Redacted] | 37685485 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR failure due to missing income documentation: Account Statement for [redacted] for #[redacted] was not found in file. | Reviewer Comment (2026-10-30): Document provided Buyer Comment (2026-10-28): please see attached [redacted] [redacted] stmt |
10/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226327824 | [Redacted] | [Redacted] | 37685486 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank [redacted]): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | ATR failure due to missing income documentation: Account Statement for [redacted] for #[redacted] was not found in file. | Reviewer Comment (2026-10-30): Document provided Buyer Comment (2026-10-28): please see attached [redacted] [redacted] stmt |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226327824 | [Redacted] | [Redacted] | 37685487 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR failure due to missing income documentation: Account Statement for [redacted] for #[redacted] was not found in file. | Reviewer Comment (2026-10-30): Document provided Buyer Comment (2026-10-28): please see attached [redacted] [redacted] stmt |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226327824 | [Redacted] | [Redacted] | 37685491 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | Account Statement for #[redacted] for the month [redacted] was not found in file. | Reviewer Comment (2026-10-30): Document provided |
10/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226327824 | [Redacted] | [Redacted] | 37690201 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Account Statement dated [redacted] for #[redacted] was not found in file. | Reviewer Comment (2026-10-30): Document provided Buyer Comment (2026-10-28): please see attached [redacted] [redacted] stmt |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226327824 | [Redacted] | [Redacted] | 37690207 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR failure due to missing income documentation: Account Statement for [redacted] for #[redacted] was not found in file. | Reviewer Comment (2026-10-30): Document provided Buyer Comment (2026-10-28): please see attached [redacted] [redacted] stmt |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226327824 | [Redacted] | [Redacted] | 37697915 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-10-30): Document provided Buyer Comment (2026-10-28): no current mortgage per property detail report doc[redacted] and no hoi or hoa per borr loxs docs [redacted]&[redacted] |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226328032 | [Redacted] | [Redacted] | 37685284 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-10-21): Hazard Insurance Policy - cleared Buyer Comment (2026-10-20): Hazard |
10/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226328937 | [Redacted] | [Redacted] | 37690890 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-25): Sufficient Cure Provided At Closing |
09/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226329009 | [Redacted] | [Redacted] | 37683383 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is not provided. | Reviewer Comment (2026-10-01): E-Sign Consent Agreement received in file. Exception Cleared. Buyer Comment (2026-09-29): Please see attached. |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226329009 | [Redacted] | [Redacted] | 37690709 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for non-warrantable condo due to critical repairs. | Borrower has verified disposable income of at least $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Documentation Type: [redacted]yr Full Doc Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% |
Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC |
Reviewer Comment (2026-09-25): Client elects to down grade and waive using compensating factors Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% DTI: [redacted]% Guideline Maximum DTI: [redacted]% Documentation Type: [redacted]yr Full Doc Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
09/25/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226329011 | [Redacted] | [Redacted] | 37692709 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] calendar days of the Note. | - | Missing a verbal Verification of Employment within [redacted] days prior to the Note Date for Brianna. | Reviewer Comment (2026-10-07): VOE available. Buyer Comment (2026-10-03): [redacted] day VVOE for [redacted]was found in [redacted]. Document dated [redacted] |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226329046 | [Redacted] | [Redacted] | 37684751 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-10-21): Cleared. Received ALTA Short Form Policy |
10/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | XXXX | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||||
| 226329046 | [Redacted] | [Redacted] | 37696973 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Evidence is required the tax lien does not affect title. | Reviewer Comment (2026-10-21): Cleared. Received ALTA Short Form Policy Buyer Comment (2026-10-20): TP |
10/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | XXXX | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||
| 226330678 | [Redacted] | [Redacted] | 37684736 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation was not found in file. | Reviewer Comment (2026-10-02): Articles of Organization, cleared Buyer Comment (2026-10-02): all llc docs upld |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226330678 | [Redacted] | [Redacted] | 37684738 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing was not found in file. | Reviewer Comment (2026-10-02): Certificate of Good Standing - cleared Buyer Comment (2026-10-02): all llc docs upld to trl docs |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226330678 | [Redacted] | [Redacted] | 37684739 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) was not found in file. | Reviewer Comment (2026-10-02): Employer Identification Number - cleared Buyer Comment (2026-10-02): all llc docs upld to trl docs |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226330678 | [Redacted] | [Redacted] | 37684743 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Closing Statement is not signed by all parties. | Reviewer Comment (2026-10-07): Received signed closing statement as required. Exception cleared. Buyer Comment (2026-10-05): the buyers statement is on [redacted] and it's signed by the borrower, the seller statement is on [redacted] and is signed by the sellers Reviewer Comment (2026-10-02): Document [redacted] is not for this transaction. The final HUD/CD dated [redacted], [redacted] is not signed by the borrowers. Buyer Comment (2026-10-02): see final alta on [redacted] |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226330678 | [Redacted] | [Redacted] | 37684745 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement was not found in file. | Reviewer Comment (2026-10-02): Operating Agreement - cleared Buyer Comment (2026-10-02): all llc docs upld to trl docs |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226331971 | [Redacted] | [Redacted] | 37691719 | Credit | Missing Document | General | Missing Document | Missing Document: Currency Converter/Exchange (Asset) not provided | Missing currency converter required when foreign assets are used. | Reviewer Comment (2026-11-02): Received currency Converter for the Asset Qualified from Acct #[redacted] & #[redacted]. Exception cleared. Buyer Comment (2026-10-29): please see attached converter printouts Reviewer Comment (2026-10-23): Received currency conversion documentation reflects only the exchange rate. Require currency conversion documentation that also reflects the converted currency amount. Exception Remains. Buyer Comment (2026-10-22): currency conversion |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226331994 | [Redacted] | [Redacted] | 37685962 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Credit Report fee amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-09-25): Sufficient Cure Provided At Closing |
09/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226331994 | [Redacted] | [Redacted] | 37691237 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal was completed "As-is", but photos show renovation work in one of the bathrooms is incomplete, making the shower unusable. Lender to provide an updated [redacted] showing completed renovation and marble/tile now covering any exposed drywall. | Reviewer Comment (2026-10-22): The appraisal is marked as is. Per guidelines, If appraisal is marked as "subject to" rather than "as is" then the required work must be completed prior to closing. Buyer Comment (2026-10-20): See appraisers comment of cost to cure in the Comment Addendum , under Condition of Subject Property |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226340427 | [Redacted] | [Redacted] | 37688448 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Certificate is missing for [redacted]. | Reviewer Comment (2026-10-05): Received required documentation. Condition cleared. Buyer Comment (2026-10-02): property profile |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226340427 | [Redacted] | [Redacted] | 37688457 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Due to most recent Tax Return is missing. | Reviewer Comment (2026-10-05): Condition can be cleared. File contains the most recent [redacted] year tax returns and extension. Buyer Comment (2026-10-02): tax returns |
10/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226340427 | [Redacted] | [Redacted] | 37688458 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Due to most recent Tax Return is missing. | Reviewer Comment (2026-10-05): Condition can be cleared. File contains the most recent [redacted] year tax returns and extension. Buyer Comment (2026-10-02): see uploaded |
10/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226340427 | [Redacted] | [Redacted] | 37688460 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance provided for increase to Appraisal Fee. | Reviewer Comment (2026-10-13): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-12): PCCD, LOX, Label and Check Reviewer Comment (2026-10-08): [redacted] received invoice. However,we would require a valid COC as to why the appraisal fee increased on CD dated [redacted] for $[redacted] or cure due to borrower .Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-10-07): appraisal invoice Reviewer Comment (2026-10-06): [redacted] There is no COC for addition of Appraisal fee on CD dated [redacted]. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-10-02): CD & COC |
10/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226340440 | [Redacted] | [Redacted] | 37695378 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Missing OFAC for business entity. | Reviewer Comment (2026-10-07): Received OFAC Search for business entity. Exception Cleared. Buyer Comment (2026-10-06): OFAC |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Home Improvement | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226340440 | [Redacted] | [Redacted] | 37700232 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Per lender guides, Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address [redacted], however this is missing from the file. | Reviewer Comment (2026-10-07): Received Corporate Resolution. Exception Cleared. Buyer Comment (2026-10-06): Actually this was already uploaded. See [redacted] Buyer Comment (2026-10-06): Unanimous Consent |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Home Improvement | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226340441 | [Redacted] | [Redacted] | 37685090 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Reviewer Comment (2026-10-06): Final closing statement, cleared Buyer Comment (2026-10-05): Please see attached FSS |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226340441 | [Redacted] | [Redacted] | 37685091 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Reviewer Comment (2026-10-06): Signed Patriot Act form with driver's license information, cleared Buyer Comment (2026-10-05): Please see attached Patriot Act Information Form |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226340442 | [Redacted] | [Redacted] | 37684762 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Commitment reflects an ALTA Loan Policy amount is missing and subject loan amount of $[redacted] Final Title Policy was not provided to verify sufficient title coverage was obtained. | Reviewer Comment (2026-10-07): Title commitment with sufficient coverage, cleared Buyer Comment (2026-10-06): corrected title commitment |
10/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| 226340442 | [Redacted] | [Redacted] | 37699255 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | The [redacted] indicates there is an approved lender exception. The lender exception form, approval and compensating factors was not located in the file. | Borrower has owned the subject property for at least [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Occupancy: [redacted] Reserves: [redacted] Guideline Requirement: [redacted] Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-06): Lender exception with Comp factors. .[redacted] DSCR on a refi of a property rented short term(which normally requires a min [redacted] DSCR) Buyer Comment (2026-10-02): exception request |
10/06/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 226340443 | [Redacted] | [Redacted] | 37700073 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | File is missing the foreign registration for the borrowing entity for [redacted]. | Reviewer Comment (2026-10-01): Good standing received, exception cleared Buyer Comment (2026-09-29): Please see attached. |
10/01/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | GA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226340943 | [Redacted] | [Redacted] | 37693022 | Credit | Missing Document | General | Missing Document | Incomplete Document: [redacted] Initial - Lender's is incomplete | Co-borrower's Initial [redacted] is missing. | Reviewer Comment (2026-11-02): An unsigned post-closing initial [redacted] was provided. Buyer Comment (2026-10-29): post close generated unsigned [redacted] with co-borrower upld, confirmed with [redacted] this is sufficient to clear, co-borrower was added to the loan but our system didn't generate the [redacted] at that time, the co-borrower did sign the final [redacted] at closing.. Reviewer Comment (2026-10-05): Co-borrower was added to the loan on [redacted] and was not part of the original application. An initial [redacted] for the co-borrower, dated on or after [redacted] and prior to closing, is still required. Exception remains. Buyer Comment (2026-10-01): please disregard previous comment, i read the condition wrong, the co-borrower wasn't added to the loan until [redacted], there is no initial application valid coc is on [redacted] Buyer Comment (2026-10-01): please cancel, the initials are on the final [redacted] |
11/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | ID | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226340943 | [Redacted] | [Redacted] | 37693024 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-10-05): Received E-sign Consent document. Exception cleared. Buyer Comment (2026-10-01): proof econsent was accepted upld |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226340986 | [Redacted] | [Redacted] | 37693138 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final Title Policy was not found in the file. | Reviewer Comment (2026-10-13): Received required documentation. Condition cleared. |
10/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226340986 | [Redacted] | [Redacted] | 37693149 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Initial Loan Estimate dated [redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. | Reviewer Comment (2026-10-28): [redacted] received earliest E-Consent dated [redacted]. Buyer Comment (2026-10-27): Please see attached proof of E-Consent acceptance. Reviewer Comment (2026-10-13): [redacted] received rebuttal stating e-consent sent to borrower on [redacted] whereas the e-consent present in the file is dated [redacted]. Kindly provide e-consent as mentioned on comment dated [redacted] in order to clear the exception. Buyer Comment (2026-10-12): Econsent was sent to borrower [redacted] and signed on [redacted]. This is the same for the Initial LE. Therefore, consent was in place when borrower received and signed initial LE on [redacted] which is within [redacted] days of application date of [redacted] |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226340986 | [Redacted] | [Redacted] | 37693150 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | Reviewer Comment (2026-10-30): Loan disbursed on [redacted]. Buyer Comment (2026-10-28): Please see attached Correspondence with closer confirming loan funded [redacted] [redacted]g with Final Alta, PCCD and Cover Letter showing disbursement date of [redacted] |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226340986 | [Redacted] | [Redacted] | 37697442 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Transaction is a refinance and title vested in [redacted], an unmarried woman, [redacted], an unmarried man as joint tenants. Please provide certified notarized and recorded deed of transfer in vesting. | Reviewer Comment (2026-10-13): Received final title . Cleared. Buyer Comment (2026-10-12): Title commitment shows [redacted] granted to [redacted] grantee [redacted] (Schedule B Part [redacted] Item [redacted] of Title commitment) then from [redacted] to [redacted], as Trustee of the [redacted] (Schedule B Part [redacted] Item [redacted] of Title commitment) |
10/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226340986 | [Redacted] | [Redacted] | 37697548 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted] reflects tax lien with outstanding balances in the amount of $TBD. HUD [redacted] does not reflect payoff of labor code section [redacted] lien. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-10-13): Received required documentation. Condition cleared. Buyer Comment (2026-10-12): Please see attached Title Supplement removing this item and final title policy showing item removed. |
10/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226340986 | [Redacted] | [Redacted] | 37697758 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Please provide evidence of state [redacted], released and with zero balance from state [redacted] | Buyer Comment (2026-11-02): waived per CNR |
11/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226340988 | [Redacted] | [Redacted] | 37700195 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-28): Sufficient Cure Provided At Closing |
09/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226340988 | [Redacted] | [Redacted] | 37700210 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement was not found in file. | Reviewer Comment (2026-10-23): E-Sign agreement provided. Exception cleared. Buyer Comment (2026-10-22): eConsent |
10/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226380490 | [Redacted] | [Redacted] | 37691399 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing was not found in file. | Reviewer Comment (2026-10-14): Document provided and uploaded Buyer Comment (2026-10-07): subsistence cert for [redacted] upld Reviewer Comment (2026-10-06): Certificate of Good Standing from the applicable Secretary of State's office, dated within [redacted] days of the note date is required. Exception remains. Buyer Comment (2026-10-05): good standing cert upld Reviewer Comment (2026-10-05): Provided Doc Id reflects business name as [redacted] and Name as per Note is [redacted]. Exception Remains. Buyer Comment (2026-10-01): see subsistence cert on [redacted] |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226388652 | [Redacted] | [Redacted] | 37692997 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-10-20): Final title provided Reviewer Comment (2026-10-20): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Title Evidence: Commitment |
10/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 226388652 | [Redacted] | [Redacted] | 37703919 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Title Policy amount not provided. | Reviewer Comment (2026-10-20): Final title provided Reviewer Comment (2026-10-20): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Title Evidence: Commitment; State: [redacted] Buyer Comment (2026-10-16): please see attached Final Title Policy |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226444340 | [Redacted] | [Redacted] | 37693055 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] Variance due to Title - Tax Certificate fee, if Tax Certificate was a one time fee then the fee can be eliminated from finance charge testing. If it was a life of loan charge then the fee would be considered a finance charge. Please provide LOA indicating if Tax Cert Fee was a one time fee or a Life of Loan service. | Reviewer Comment (2026-10-05): [redacted] received LOA. Buyer Comment (2026-10-02): attestation |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226454269 | [Redacted] | [Redacted] | 37691710 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Disclosed Finance Charges are $[redacted] Due Diligence Finance Charges are $[redacted] There is a variance of $[redacted] | Reviewer Comment (2026-10-07): [redacted] received lender attestation on reimbursement fee purpose Buyer Comment (2026-10-06): lox Reviewer Comment (2026-10-05): [redacted] revised finance charge calculation, but is still underdisclosed by $[redacted] The Reiumbursement Fee in Section H paid to title company does not state [redacted] Buyer Comment (2026-10-02): The payoff is not an APR fee, also the CPL fee was [redacted] not [redacted]. Please update your calculations |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226454269 | [Redacted] | [Redacted] | 37691712 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee increased on [redacted] without a valid change in circumstance. Cure was not provided at closing. | Reviewer Comment (2026-10-06): [redacted] received a valid COC. Buyer Comment (2026-10-02): CD and COC |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226454269 | [Redacted] | [Redacted] | 37691713 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee increased on [redacted] without a valid change in circumstance. Cure was not provided at closing. | Reviewer Comment (2026-10-06): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-10-02): this was corrected on the final cd |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226454269 | [Redacted] | [Redacted] | 37748351 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-06): Sufficient Cure Provided At Closing |
10/06/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226454416 | [Redacted] | [Redacted] | 37690368 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] are underdisclosed | Final CD disclosed a Total Year [redacted] of $[redacted] Due Diligence Calculation of $[redacted] | Reviewer Comment (2026-10-23): [redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2026-10-22): PCCD Reviewer Comment (2026-10-02): [redacted] received rebuttal comment. However, loan file the annual HOA amount disclosed of $[redacted] and $[redacted]/monthly. Hence, Loan file indicates Costs of $[redacted] The itemized costs ($[redacted] HOA/$[redacted] Tax/ $[redacted] HOI) total $[redacted]/ month. Please provide corrected PCCD [redacted]g with LOE to cure or verification of updated amounts. Buyer Comment (2026-09-30): Condition invalid.$[redacted](HOA) + $[redacted](Taxes) + $[redacted](HOI) = $[redacted] x [redacted] = $[redacted] that matches the amount on page [redacted] |
10/23/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226454569 | [Redacted] | [Redacted] | 37692216 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-25): Sufficient Cure Provided At Closing |
09/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OR | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226456443 | [Redacted] | [Redacted] | 37703020 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee amount of $[redacted] exceeds tolerance of $[redacted] with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-09-28): Sufficient Cure Provided At Closing |
09/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226456445 | [Redacted] | [Redacted] | 37714923 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the Commitment in file. | Reviewer Comment (2026-10-29): Received updated title commitment. Cleared. Buyer Comment (2026-10-27): please see attached Final Title Policy that matches the loan amount |
10/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NC | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226456448 | [Redacted] | [Redacted] | 37703921 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. | Seller's CD was not provided. | Reviewer Comment (2026-10-02): [redacted] received seller CD Buyer Comment (2026-10-01): Sellers CD |
10/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226456452 | [Redacted] | [Redacted] | 37710662 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | No valid Change of Circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-09-29): Sufficient Cure Provided At Closing |
09/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226456454 | [Redacted] | [Redacted] | 37728692 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final Title Policy was not found in file. | Reviewer Comment (2026-10-08): Final title policy received and associated, exception cleared |
10/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226456454 | [Redacted] | [Redacted] | 37728693 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Require Title Commitment / Preliminary with policy amount. | Reviewer Comment (2026-10-08): Received final title policy received with coverage amount, exception cleared Buyer Comment (2026-10-06): Combined Loan Policy |
10/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226456454 | [Redacted] | [Redacted] | 37728694 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Require Mortgage Statement for 1st and [redacted] lien. | Reviewer Comment (2026-10-08): Received Closing Disclosure from [redacted] and HELOC was paid off with [redacted], Exception Cleared. Buyer Comment (2026-10-06): HELOC was paid off with [redacted]. CD from [redacted] Reviewer Comment (2026-10-06): Require corrected [redacted] reflecting departure residence is free and clear. Exception remains. Buyer Comment (2026-10-02): Owned free and clear. See [redacted]. No mortgagees listed. |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226456454 | [Redacted] | [Redacted] | 37728702 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was disclosed on initial Loan Estimate as $[redacted] but disclosed on final Closing Disclosure as $[redacted] File does not contain a valid Change of Circumstance for this fee, nor was evidence of cure provided in file. | Reviewer Comment (2026-10-01): Sufficient Cure Provided At Closing |
10/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226456461 | [Redacted] | [Redacted] | 37704173 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | The file was missing a copy of the appraisal transfer letter. | Reviewer Comment (2026-10-12): Received transfer letter. Cleared. Buyer Comment (2026-10-05): transfer letter |
10/12/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OH | Primary | Purchase | B | A | A | A | A | A | B | A | Non QM | Non QM | No | ||||||||||
| 226456474 | [Redacted] | [Redacted] | 37739657 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD/Closing Statement or Final Closing Disclosure was not found in file. | Reviewer Comment (2026-10-13): Received required documentation. Condition cleared. Buyer Comment (2026-10-12): Closing CD |
10/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 226456474 | [Redacted] | [Redacted] | 37739658 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Note Document was not found in file. | Reviewer Comment (2026-10-12): Document provided Buyer Comment (2026-10-08): Note |
10/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 226456474 | [Redacted] | [Redacted] | 37741836 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided | Documentation in the file indicates loan is a delayed financing transaction, however the HUD from the purchase and the source of funds is missing. In addition, it appears the guarantors have owned the property for several years. | Reviewer Comment (2026-10-12): Document provided Buyer Comment (2026-10-08): LOE |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 226456474 | [Redacted] | [Redacted] | 37741837 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds for the Initial Purchase not provided | Documentation in the file indicates loan is a delayed financing transaction, however the HUD from the purchase and the source of funds is missing. In addition, it appears the guarantors have owned the property for several years. | Reviewer Comment (2026-10-12): Document provided Buyer Comment (2026-10-08): CD |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 226456474 | [Redacted] | [Redacted] | 37741846 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Per lender guides, Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address [redacted], however this is missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-08): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-10-08): Lender exception approval provided for corporate resolution. The borrower certification was utilized in lieu. Buyer Comment (2026-10-06): Exception |
10/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||
| 226457244 | [Redacted] | [Redacted] | 37714113 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOE was not found in file. | Reviewer Comment (2026-11-02): Updated document provided Buyer Comment (2026-10-29): please see business license printout docs [redacted]-[redacted] and real estate license [redacted] |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226457244 | [Redacted] | [Redacted] | 37714115 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary Title Report did not disclose the amount of title insurance coverage. Provide a copy of the Final Title Policy or an addendum to the Preliminary Report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-11-02): Updated document provided Buyer Comment (2026-10-29): please see attached final title policy |
11/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226457244 | [Redacted] | [Redacted] | 37714116 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-11-02): Updated document provided |
11/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226457244 | [Redacted] | [Redacted] | 37714126 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | VVOE was not found and exceeds the guideline DTI. | Reviewer Comment (2026-11-02): Updated document provided Buyer Comment (2026-10-29): please see business license printout docs [redacted]-[redacted] and real estate license [redacted]. please see property tax calculations doc [redacted] and update your amounts. property taxes calculated off of purchase price and tax rates listed on current seller's tax bill doc [redacted] |
11/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226457244 | [Redacted] | [Redacted] | 37714127 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | VVOE was not found and exceeds the guideline DTI. | Reviewer Comment (2026-11-02): Updated document provided Buyer Comment (2026-10-29): please see business license printout docs [redacted]-[redacted] and real estate license [redacted]. please see property tax calculations doc [redacted] and update your amounts. property taxes calculated off of purchase price and tax rates listed on current seller's tax bill doc [redacted] |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226457244 | [Redacted] | [Redacted] | 37714128 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | VVOE was not found and exceeds the guideline DTI. | Reviewer Comment (2026-11-02): Updated document provided Buyer Comment (2026-10-29): please see business license printout docs [redacted]-[redacted] and real estate license [redacted]. please see property tax calculations doc [redacted] and update your amounts. property taxes calculated off of purchase price and tax rates listed on current seller's tax bill doc [redacted] |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226457244 | [Redacted] | [Redacted] | 37714129 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | VVOE was not found and exceeds the guideline DTI. | Reviewer Comment (2026-11-02): Updated document provided Buyer Comment (2026-10-29): please see business license printout docs [redacted]-[redacted] and real estate license [redacted]. please see property tax calculations doc [redacted] and update your amounts. property taxes calculated off of purchase price and tax rates listed on current seller's tax bill doc [redacted] |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226457244 | [Redacted] | [Redacted] | 37714130 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | VVOE was not found and exceeds the guideline DTI. | Reviewer Comment (2026-11-02): Updated document provided |
11/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226457244 | [Redacted] | [Redacted] | 37714137 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Exceeds the DTI; however, Tax ([redacted]%) and HOA dues are updated as per the document. | Reviewer Comment (2026-11-02): Updated document provided Buyer Comment (2026-10-29): please see business license printout docs [redacted]-[redacted] and real estate license [redacted]. please see property tax calculations doc [redacted] and update your amounts. property taxes calculated off of purchase price and tax rates listed on current seller's tax bill doc [redacted] |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226457244 | [Redacted] | [Redacted] | 37714138 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification of Employment was not found in file. | Reviewer Comment (2026-11-02): Updated document provided Buyer Comment (2026-10-29): please see business license printout docs [redacted]-[redacted] and real estate license [redacted] |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226457296 | [Redacted] | [Redacted] | 37710680 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-11-04): Due to there being [redacted] secondary valuations in the file s &P and Fitch both require this loan to be graded a B. Reviewer Comment (2026-11-03): Cleared Reviewer Comment (2026-11-02): This has been escalated. We may not be able to respond until tomorrow. Buyer Comment (2026-10-29): Please see trailing docs[redacted]. Also please not the dates of the CDA as previously described, this condition could have been cleared without the snip. Reviewer Comment (2026-10-28): Exception is related to securitization requirements. Reviewed file images but could not find the [redacted] appraisal department write up/snip. Buyer Comment (2026-10-26): Yes, the appraisal was updated after a dispute. You have the original appraisal in[redacted]. Effective date [redacted] signed date [redacted]. The CDA in [redacted] is for that appraisal as you can see the effective date and date of report (signed date) are the same. The CDA in[redacted] has an effective date of [redacted] with a Date of Report (signature date) of [redacted] which matches the most current appraisal in [redacted]. I have also provided a screenshot from the Appraisal Review Department to support the dispute. Reviewer Comment (2026-10-22): There are [redacted] XXXX desk reviews however one of them reflects more than[redacted]% variance of the appraisal. Buyer Comment (2026-10-21): The CDA value is $[redacted] which is within [redacted]% of $[redacted] The CDA even shows value is [redacted]%. Please be sure you are referencing the most current CDA found in[redacted]. Reviewer Comment (2026-10-19): the value is over [redacted]% between the appraisals exception remains Buyer Comment (2026-10-16): Please Note: the submitted CDA supports value within [redacted]% as required by Appraisal Review Requirements in the program guidelines |
11/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Rate/Term | C | B | A | A | A | A | C | B | Non QM | Non QM | No | |||||||||||
| 226458353 | [Redacted] | [Redacted] | 37702415 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Associated Sourced Document | Reviewer Comment (2026-10-13): Document provided Buyer Comment (2026-10-12): Please see attached eConsent |
10/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 226458353 | [Redacted] | [Redacted] | 37703436 | Compliance | Compliance | State Compliance | Misc. State Level | XXXX Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | [redacted] Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable | File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment. | Reviewer Comment (2026-10-13): just Updated and reran compliance Buyer Comment (2026-10-12): Loan was qualified on Verified income, obligations, assets and employment and PITI was based on the higher of the note rate of fully indexed rate. Please clarify what additional is needed |
10/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 226458353 | [Redacted] | [Redacted] | 37706721 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted] reflects mortgages with outstanding balances in the amount of $[redacted] Seller's HUD 1 does not reflect payoff of mortgage lien. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-10-15): Received satisfaction. Cleared. Buyer Comment (2026-10-14): Please see attached release and supporting document from title. The full $[redacted] was for the entire project (new construction). |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 226458400 | [Redacted] | [Redacted] | 37699938 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-28): Sufficient Cure Provided At Closing |
09/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226458400 | [Redacted] | [Redacted] | 37708489 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The loan was submitted as an asset qualifier loan, however the [redacted] reflects a DTI. Per lender guides, a DTI is not calculated on asset qualifier loans. | Reviewer Comment (2026-10-09): Cleared. Received updated [redacted] and [redacted]. Buyer Comment (2026-10-07): revised [redacted] upld |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226458596 | [Redacted] | [Redacted] | 37707746 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for the Appraisal fee. The fee amount of $[redacted] exceeds the tolerance of $[redacted] by $[redacted] Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-06): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-10-02): please cancel, this was cured at close on the final cd sect j |
10/06/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226458596 | [Redacted] | [Redacted] | 37748022 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-06): Sufficient Cure Provided At Closing |
10/06/2026 | No | 1 | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226458721 | [Redacted] | [Redacted] | 37708554 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | File does not contain a valid change of circumstance listing the fee that is changing, the reason for the change or the amount. Insufficient cure was provided to cure all TRID violations. | Reviewer Comment (2026-09-29): Sufficient Cure Provided At Closing |
09/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226458886 | [Redacted] | [Redacted] | 37714848 | Credit | System | General | Appraisal Reconciliation | Valuation address [redacted] | - | CDA provided is missing unit [redacted]-[redacted] in the subject property address. | Reviewer Comment (2026-11-02): Received CDA secondary valuation for Subject address [redacted] Buyer Comment (2026-10-29): CDA corrected |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226474166 | [Redacted] | [Redacted] | 37728493 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. | Reviewer Comment (2026-10-14): [redacted] received e-consent dated [redacted] Buyer Comment (2026-10-13): Please see attached proof of eConsent date. This information is also verified in[redacted]. Application Date [redacted], eConsent date [redacted], ILE Date [redacted] |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226474669 | [Redacted] | [Redacted] | 37719325 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | No secondary valuation in file. | Reviewer Comment (2026-10-06): UCDP provided and updated Buyer Comment (2026-10-02): ucdp upld, cu score under [redacted], no [redacted] valuation needed. |
10/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | XXXX | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 226474669 | [Redacted] | [Redacted] | 37719338 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy not provided. | Reviewer Comment (2026-10-06): document provided Buyer Comment (2026-10-02): hoi upld |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 226474669 | [Redacted] | [Redacted] | 37720049 | Credit | Missing Document | General | Missing Document | Missing Document: VISA not provided | Guideline requires copy of valid unexpired VISA from homeland security to verify category. Additional requirement may apply. | Reviewer Comment (2026-10-06): Document provided Buyer Comment (2026-10-02): passport upld |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 226474671 | [Redacted] | [Redacted] | 37719306 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points fees disclosed as $[redacted] on the initial Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. A valid change of circumstance or cure for borrower was not provided. | Reviewer Comment (2026-09-30): Cured at closing or within [redacted] days of consummation prior to TPR review |
09/30/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226474671 | [Redacted] | [Redacted] | 37719307 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Endorsement Fee disclosed as $[redacted] on the initial Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. A valid change of circumstance or cure for borrower was not provided. | Reviewer Comment (2026-10-28): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-27): Please see attached Cover Letter, PCCD, Cure Check and Proof [redacted] delivered Reviewer Comment (2026-10-12): [redacted] The inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the Title - Endorsement fee was included in section B of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-10-10): Please note, Borrower shopped for Title fees and did not use a provider from our [redacted] therefore we are not held to tolerance. |
10/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226474671 | [Redacted] | [Redacted] | 37719308 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax fees disclosed as $[redacted] on the initial Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. A valid change of circumstance or cure for borrower was not provided. | Reviewer Comment (2026-09-30): Cured at closing or within [redacted] days of consummation prior to TPR review |
09/30/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226475369 | [Redacted] | [Redacted] | 37724080 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | [redacted] months reserve is required; however, additional assets for reserves are not located in the file. $[redacted] has been verified. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] | Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC | Reviewer Comment (2026-10-29): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-27): please see attached lender exception allowing [redacted] funds for reserves |
10/29/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| 226475370 | [Redacted] | [Redacted] | 37723481 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided | HUD/Closing Disclosure (Initial Purchase) document was not found in file. | Reviewer Comment (2026-10-07): Received closing statement for initial purchase. Exception Cleared. Buyer Comment (2026-10-06): purchase hud and wire confirm upld |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226475370 | [Redacted] | [Redacted] | 37726404 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds for the Initial Purchase not provided | File is missing the source of funds for the initial purchase of the subject property. | Reviewer Comment (2026-10-07): Received source of funds for the initial purchase. Exception Cleared. Buyer Comment (2026-10-06): purchase hud and wire confirm upld to trl docs |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226475371 | [Redacted] | [Redacted] | 37726525 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Per lender guides, Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address [redacted], however this is missing from the file. | Reviewer Comment (2026-10-06): Cleared. Document located in the file. Buyer Comment (2026-10-02): See[redacted] |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226475395 | [Redacted] | [Redacted] | 37719942 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum in file has Individual Borrower only signing rather than as Member of the Layered Borrowing Entity. | Reviewer Comment (2026-10-14): Received corrected prepayment addendum. Cleared. Buyer Comment (2026-10-13): lease see attached [redacted] Family Rider signed as Member. Buyer Comment (2026-10-13): Please see attached PPP Addendum signed as Member. Buyer Comment (2026-10-13): lease see attached PPP Addendum signed as Member. |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | D | B | D | A | D | B | A | A | N/A | N/A | Yes | |||||||||||
| 226475395 | [Redacted] | [Redacted] | 37719946 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [redacted] Family not provided | Prepayment Rider to the Security Instrument in file has Individual Borrower only signing rather than as Member of the Layered Borrowing Entity. | Reviewer Comment (2026-10-14): Received corrected rider. Cleared. |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | D | B | D | A | D | B | A | A | N/A | N/A | No | |||||||||||
| 226475395 | [Redacted] | [Redacted] | 37720206 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement was not found in the file. | Reviewer Comment (2026-10-27): Cleared. Received guarantor agreement. Buyer Comment (2026-10-26): please see attached Guaranty Agreement |
10/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Purchase | D | B | D | A | D | B | A | A | N/A | N/A | No | |||||||||||
| 226475395 | [Redacted] | [Redacted] | 37720212 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Subject Note was incorrectly signed by Individual Borrower instead of Member of Layered Borrowing Entity. | Reviewer Comment (2026-10-22): The Destroyed Note Affidavit provided is not signed. Buyer Comment (2026-10-21): A Lost Note Affidavit would not be needed as the note was not lost however I have provided a Destroyed Note Affidavit to destroy the inaccurately signed Note. Reviewer Comment (2026-10-14): Received corrected note, however file will require a lost note affidavit for the incorrect note. Buyer Comment (2026-10-13): lease see attached [redacted] Family Rider signed as Member. |
10/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Purchase | D | B | D | A | D | B | A | A | N/A | N/A | No | |||||||||||
| 226475395 | [Redacted] | [Redacted] | 37720214 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Subject Security Instrument was incorrectly signed by Individual Borrower instead of Member of Layered Borrowing Entity. | Reviewer Comment (2026-10-14): Received the corrected security instrument. Cleared. Buyer Comment (2026-10-13): Please see attached Security Instrument signed as Member. |
10/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Purchase | D | B | D | A | D | B | A | A | N/A | N/A | No | |||||||||||
| 226475395 | [Redacted] | [Redacted] | 37720236 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement for [redacted] was not found in the file. | Reviewer Comment (2026-10-27): Cleared. Received required document. Buyer Comment (2026-10-23): Shareholder Agreement |
10/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | D | B | D | A | D | B | A | A | N/A | N/A | No | |||||||||||
| 226475395 | [Redacted] | [Redacted] | 37720251 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state [redacted] | Buyer Comment (2026-10-15): OK to waive Reviewer Comment (2026-10-14): This is an EV [redacted] citing for informational purposes. DD is unable to clear as loan was not issued to a corporation therefore is valid. Buyer Comment (2026-10-13): Closed in the name of the entity which is acceptable. See attached Note/Addedum and Mortgage/Rider signed in the name of the entity. |
10/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | D | B | D | A | D | B | A | A | N/A | N/A | No | |||||||||||
| 226475460 | [Redacted] | [Redacted] | 37708612 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-10-06): E-sign Consent Agreement received. Exception Cleared. Buyer Comment (2026-10-02): proof econsent was accepted upld |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226475693 | [Redacted] | [Redacted] | 37706817 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Policy amount is not provided. | Reviewer Comment (2026-10-05): Received Title supplement reflecting required details. Exception cleared. Seller Comment (2026-10-01): Title Supplement attached |
10/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226475693 | [Redacted] | [Redacted] | 37707174 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | Reviewer Comment (2026-10-05): Information revalidated. Bid Tape DSCR matches Due Diligence DSCR. Exception cleared. |
10/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226476154 | [Redacted] | [Redacted] | 37710490 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy missing in the file. | Reviewer Comment (2026-10-07): Received Hazard Insurance Policy. Exception cleared. Buyer Comment (2026-10-05): hoi |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226476154 | [Redacted] | [Redacted] | 37710501 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement missing in the file. | Reviewer Comment (2026-10-07): Received E-Sign Consent Agreement. Exception cleared. Buyer Comment (2026-10-05): e-consent |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226476154 | [Redacted] | [Redacted] | 37710535 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | No Closing Disclosure Issued less than [redacted] days prior to closing and received by the borrower less than [redacted] business days prior to closing. | Reviewer Comment (2026-10-06): [redacted] received [redacted] CD received [redacted] business days prior to consummation. Buyer Comment (2026-10-05): initial cd |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226476154 | [Redacted] | [Redacted] | 37710536 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. | Lender Credits were last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[redacted] a copy of Refund Check, Proof of Delivery, and a copy of the Letter of Explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-10-07): [redacted] received Lender exception document for rebuttal response with additional information for a valid Changed circumstance. Buyer Comment (2026-10-06): exception Reviewer Comment (2026-10-06): [redacted] received Changed Circumstance dated [redacted] states underwriting exceptions resulting in pricing change; however, required detailed information about underwrting exception [redacted]g wtih supporting documents and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-10-05): cd & coc |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226478041 | [Redacted] | [Redacted] | 37718271 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for [redacted]% LTV for First-Time Home Buyer with no rental history is noted on the [redacted]. Exception Document was not found in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-10-02): Lender Exception with Compensating Factors provided. Buyer Comment (2026-09-30): Please see attached. |
10/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226478041 | [Redacted] | [Redacted] | 37718525 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-30): Sufficient Cure Provided At Closing |
09/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226478052 | [Redacted] | [Redacted] | 37710128 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-29): Sufficient Cure Provided At Closing |
09/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226478199 | [Redacted] | [Redacted] | 37711067 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Risk Report. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Risk report fee was disclosed on initial LE as $[redacted] and on the final CD as $[redacted] No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-10-12): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Buyer Comment (2026-10-09): pccd docs upld Reviewer Comment (2026-10-07): [redacted] agree with your rebuttal. Therefore, we would require cure of $[redacted] [redacted]g with cure documents Post CD,LOX and Copy of refund check in order to cure the exception. Buyer Comment (2026-10-05): itemization snapshot upld, we initially disclosed $[redacted] the true cure is $[redacted] please confirm you agree and we will continue with pccd/lox and cure |
10/12/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226478264 | [Redacted] | [Redacted] | 37726376 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [redacted] Family not provided | Vesting is in [redacted] however the Business Owner is only signing the Security Instrument and Riders as [redacted]. Owner should also be signing as Individual as per guidelines. | Reviewer Comment (2026-10-21): Received required documentation. Condition cleared. Buyer Comment (2026-10-19): The borrower is signing as LLC there is no individual signature line on the mortgage. The mortgage is vested in the LLC only. Reviewer Comment (2026-10-19): The Rider - [redacted] Family needs to be signed by the guarantor in their individual capacity. Ignore the previous clear Reviewer Comment (2026-10-19): Rider - [redacted] Family signed, cleared Buyer Comment (2026-10-15): rider Reviewer Comment (2026-10-15): Rider not provided Please upload or provided Doc# Buyer Comment (2026-10-14): See correct signed |
10/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226478264 | [Redacted] | [Redacted] | 37726377 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Vesting is in [redacted] however the Business Owner is only signing the Security Instrument and Riders as [redacted]. Owner should also be signing as Individual as per guidelines. | Reviewer Comment (2026-10-21): Received required documentation. Condition cleared. Buyer Comment (2026-10-19): The borrower is signing as LLC there is no individual signature line on the mortgage. The mortgage is vested in the LLC only. Reviewer Comment (2026-10-19): The Security Instrument - Subject Lien needs to be signed by the guarantor in their individual capacity Reviewer Comment (2026-10-19): Security Instrument - Subject Lien signed, cleared Buyer Comment (2026-10-15): mtg Reviewer Comment (2026-10-15): Security Instrument not provided Please upload or provided Doc# Buyer Comment (2026-10-14): see uploaded |
10/21/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MI | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226478264 | [Redacted] | [Redacted] | 37726384 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided | Vesting is in [redacted] however the Business Owner is only signing the Security Instrument and Riders as [redacted]. Owner should also be signing as Individual as per guidelines. | Reviewer Comment (2026-10-21): Received required documentation. Condition cleared. Buyer Comment (2026-10-19): The borrower is signing as LLC there is no individual signature line on the mortgage. The mortgage is vested in the LLC only. Reviewer Comment (2026-10-19): The Security Instrument and Rider - [redacted] Family need to be signed by the guarantor in their individual capacity. Buyer Comment (2026-10-15): there is no assignment of leases/rents Reviewer Comment (2026-10-15): Assignment of Leases/Rents not provided Please upload or provided Doc# Buyer Comment (2026-10-14): see uploaded |
10/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226478264 | [Redacted] | [Redacted] | 37726391 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Vesting is in [redacted] however Note was only signed by the Business Owner as an Individual. Signature of Member for LLC is also required. | Reviewer Comment (2026-10-15): Corrected note provided Doc# [redacted] Buyer Comment (2026-10-14): see uploaded |
10/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MI | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226478264 | [Redacted] | [Redacted] | 37726394 | Credit | Investment Product | General Exception | Investment Product | Security Instrument Error: Assignment of Leases/Rents is not in the file and required by guidelines | - | Vesting is in [redacted] however the Business Owner is only signing the Security Instrument and Riders as [redacted]. Owner should also be signing as Individual as per guidelines. | Reviewer Comment (2026-10-19): Clearing this but opening another Reviewer Comment (2026-10-19): The Security Instrument and Rider - [redacted] Family need to be signed by the guarantor in their individual capacity. Buyer Comment (2026-10-15): there is no assignment of leases/rents Reviewer Comment (2026-10-15): Assignment of Leases/Rents not provided Please upload or provided Doc# Buyer Comment (2026-10-14): see uploaded |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 226478264 | [Redacted] | [Redacted] | 37892168 | Credit | Investment Product | General Exception | Investment Product | Security Instrument Error: Assignment of Leases/Rents is not in the file and required by guidelines | - | The Security Instrument and Rider - [redacted] Family need to be signed by the guarantor in their individual capacity. | Reviewer Comment (2026-10-21): Received required documentation. Condition cleared. Buyer Comment (2026-10-19): The borrower is signing as LLC there is no individual signature line on the mortgage. The mortgage is vested in the LLC only. |
10/21/2026 | No | 1 | A | A | A | A | A | MI | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||||||
| 226478266 | [Redacted] | [Redacted] | 37717722 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-30): Sufficient Cure Provided At Closing |
09/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IA | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226478351 | [Redacted] | [Redacted] | 37719924 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Provide evidence that the REO Property [redacted] is Free & Clear from mortgage payments. | Reviewer Comment (2026-10-09): Received required documentation. Condition cleared. Buyer Comment (2026-10-08): please clear, the property profile doesn't reflect any liens and is sufficient to clear this condition. Reviewer Comment (2026-10-08): Received Property History Report. Please provide Letter of explanation stating Property [redacted] is Free & Clear. Exception remains Buyer Comment (2026-10-06): property profile upld |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226478351 | [Redacted] | [Redacted] | 37719952 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-10-08): Received Esign Process Summary. Exception cleared. Buyer Comment (2026-10-06): proof econsent accepted upld |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226478468 | [Redacted] | [Redacted] | 37719869 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted] indicates there is an approved lender exception. The lender exception form, approval and compensating factors was not located in the file. Lender exception approval for rural property not eligible on DSCR program and max LTV is [redacted]%. |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. Miscellaneous |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Property on [redacted] acre lot in deed restricted subdivision in popular STR area. |
SitusAMC SitusAMC Aggregator,SitusAMC Aggregator |
Reviewer Comment (2026-10-08): Client elects to waive with compensating factors. Buyer Comment (2026-10-05): exception request |
10/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TN | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 226478477 | [Redacted] | [Redacted] | 37723874 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Secondary Valuation is missing. | Reviewer Comment (2026-10-14): UCDP with acceptable risk score received, exception cleared Buyer Comment (2026-10-13): Please see attached UCDP with a score of [redacted]. Secondary valuation not required |
10/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | A | A | A | D | A | N/A | No | ||||||||||||||
| 226480445 | [Redacted] | [Redacted] | 37718477 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-30): Sufficient Cure Provided At Closing |
09/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226480445 | [Redacted] | [Redacted] | 37718478 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-30): Sufficient Cure Provided At Closing |
09/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226480834 | [Redacted] | [Redacted] | 37718182 | Credit | System | General | Appraisal Reconciliation | Valuation address [redacted] | - | Note Document address [redacted] | Reviewer Comment (2026-10-28): Cleared. Received lender affidavit. Buyer Comment (2026-10-26): Address [redacted] |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226480839 | [Redacted] | [Redacted] | 37722698 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/[redacted] was not provided. | - | Appraisal was made subject to inspection after propane generator is installed. | Reviewer Comment (2026-10-15): Received [redacted]. Condition cleared. Buyer Comment (2026-10-14): Please see attached 1004D |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | A | A | A | A | C | A | Non QM | Non QM | No | ||||||||||
| 226480912 | [Redacted] | [Redacted] | 37722876 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | [redacted] Exchange Agreement was not found in file. | Reviewer Comment (2026-10-07): Received [redacted] Exchange Agreement. Exception Cleared. Buyer Comment (2026-10-05): Exchange Agreement |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226480912 | [Redacted] | [Redacted] | 37727475 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | File is missing the final closing statement from the sale of the exchange property. | Reviewer Comment (2026-10-07): Received HUD Statement. Exception Cleared. Buyer Comment (2026-10-05): Fss |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226480944 | [Redacted] | [Redacted] | 37726959 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for non-warrantable condo. Deferred maintenance. Exception due to ongoing critical repairs. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-01): Client elects to waive with compensating factors. |
10/01/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||
| 226480957 | [Redacted] | [Redacted] | 37728915 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing Final HUD/Closing Disclosure in the loan file. | Reviewer Comment (2026-10-08): Received ALTA Final Settlement Statement true and certified copy Signed by all parties. Value updated and Exception Cleared. Buyer Comment (2026-10-06): alta |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226480979 | [Redacted] | [Redacted] | 37730022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Verification of Identification was not found in file for borrower. | Reviewer Comment (2026-10-16): Drivers licenses, cleared Buyer Comment (2026-10-16): DL Reviewer Comment (2026-10-07): Borrower identification documentation is required. Buyer Comment (2026-10-05): please cancel invalid condition |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226480991 | [Redacted] | [Redacted] | 37718759 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI Variance is more than [redacted]%, as Interest Only PI considered as per the Note that is $[redacted] and Form [redacted] reflected PI is $[redacted] | Reviewer Comment (2026-10-27): Cleared. Received updated bid tape Reviewer Comment (2026-10-27): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-10-23): bid tape has been updated Reviewer Comment (2026-10-14): DD and client DTI is within tolerance however bid tape remains a discrepancy. Once updated, condition can be cleared. Buyer Comment (2026-10-05): [redacted] |
10/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226480994 | [Redacted] | [Redacted] | 37717783 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | The co-borrower occupancy is investment; however, the declaration section shows the borrower will occupy the property as a primary residence. | Reviewer Comment (2026-10-07): Document provided Doc #[redacted] Buyer Comment (2026-10-05): revised [redacted] upld |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226480994 | [Redacted] | [Redacted] | 37720216 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-10-07): Document provided Doc#[redacted] |
10/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 226480994 | [Redacted] | [Redacted] | 37720227 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary Title Policy amount was not found in file. | Reviewer Comment (2026-10-07): Document provided Doc#[redacted] Buyer Comment (2026-10-06): title policy with insured amt upld |
10/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226480995 | [Redacted] | [Redacted] | 37726657 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten percent fee tolerance in the amount of $[redacted] exceeds tolerance of $[redacted] No cure provided to borrower at closing. No valid change of circumstance was provided. | Reviewer Comment (2026-10-30): [redacted] received Corrected PCCD and LOE moving title fees to section C. Buyer Comment (2026-10-29): PCCD with letter, with rebut |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226481001 | [Redacted] | [Redacted] | 37718711 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI decrease resulting from a higher P&I considered on the [redacted] compared to the lower P&I reflected in the Note document. | Reviewer Comment (2026-10-09): Revalidated qualifying method using the fully amortized payment after the I/O period. Exception cleared. Buyer Comment (2026-10-07): this is an I/O loan for first [redacted] yrs, the correct qualifying P&I is $[redacted] which is also reflected on the note |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226481001 | [Redacted] | [Redacted] | 37718728 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall Exception due to a DTI decrease resulting from a higher P&I considered on the [redacted] compared to the lower P&I reflected in the Note document. | Reviewer Comment (2026-10-09): Revalidated qualifying method using the fully amortized payment after the I/O period. Exception cleared. Buyer Comment (2026-10-07): update to comment the qualifying p&i is $[redacted] the note reflects $$[redacted] Buyer Comment (2026-10-07): this is an I/O loan for first [redacted] yrs, the correct qualifying P&I is $[redacted] which is also reflected on the note |
10/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226481001 | [Redacted] | [Redacted] | 37718729 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank [redacted]): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted]. | Waterfall Exception due to a DTI decrease resulting from a higher P&I considered on the [redacted] compared to the lower P&I reflected in the Note document. | Reviewer Comment (2026-10-09): Revalidated qualifying method using the fully amortized payment after the I/O period. Exception cleared. Buyer Comment (2026-10-07): update to comment the qualifying p&i is $[redacted] the note reflects $$[redacted] Buyer Comment (2026-10-07): this is an I/O loan for first [redacted] yrs, the correct qualifying P&I is $[redacted] which is also reflected on the note |
10/09/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226481001 | [Redacted] | [Redacted] | 37718730 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Non QM DTI moderately exceeds Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall Exception due to a DTI decrease resulting from a higher P&I considered on the [redacted] compared to the lower P&I reflected in the Note document. | Reviewer Comment (2026-10-09): Revalidated qualifying method using the fully amortized payment after the I/O period. Exception cleared. Buyer Comment (2026-10-07): update to comment the qualifying p&i is $[redacted] the note reflects $$[redacted] Buyer Comment (2026-10-07): this is an I/O loan for first [redacted] yrs, the correct qualifying P&I is $[redacted] which is also reflected on the note |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226481001 | [Redacted] | [Redacted] | 37718737 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall Exception due to a DTI decrease resulting from a higher P&I considered on the [redacted] compared to the lower P&I reflected in the Note document. | Reviewer Comment (2026-10-09): Revalidated qualifying method using the fully amortized payment after the I/O period. Exception cleared. Buyer Comment (2026-10-07): update to comment the qualifying p&i is $[redacted] the note reflects $$[redacted] Buyer Comment (2026-10-07): this is an I/O loan for first [redacted] yrs, the correct qualifying P&I is $[redacted] which is also reflected on the note |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226481002 | [Redacted] | [Redacted] | 37722665 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing Close Out Letter for the HELOC paid off at closing. | Reviewer Comment (2026-10-09): Received signed and dated close out letter for HELOC account. Exception cleared. Buyer Comment (2026-10-07): Heloc |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226481002 | [Redacted] | [Redacted] | 37722670 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-01): Sufficient Cure Provided At Closing |
10/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | D | A | D | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226481002 | [Redacted] | [Redacted] | 37722671 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-01): Sufficient Cure Provided At Closing |
10/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | D | A | D | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226481018 | [Redacted] | [Redacted] | 37722819 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial [redacted] | File was missing Initial [redacted]. | Reviewer Comment (2026-10-19): Document provided and updated [redacted] Buyer Comment (2026-10-15): Please see attached initial [redacted] [redacted]g with screen print showing application date of [redacted] and initial disclosures going out on [redacted] (due to Memorial Day). Borrower signed initial [redacted] on [redacted]. Buyer Comment (2026-10-15): Please see attached initial [redacted] |
10/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | PA | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226481018 | [Redacted] | [Redacted] | 37722821 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date using the following dates: [redacted], [redacted], [redacted], [redacted], [redacted], [redacted], [redacted]. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA [redacted] start date, RESPA [redacted] start date, TIL/MDIA [redacted] start date, LOS Application Date, Broker Application Date, or [redacted] months prior to consummation. | File was missing Initial [redacted]. | Reviewer Comment (2026-10-19): Document provided and updated[redacted] |
10/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | PA | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226481018 | [Redacted] | [Redacted] | 37722823 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | File was missing Initial [redacted]. | Reviewer Comment (2026-10-19): Document provided and updated[redacted] Buyer Comment (2026-10-15): Please see attached initial [redacted] [redacted]g with screen print showing application date of [redacted] and initial disclosures going out on [redacted] (due to Memorial Day). Borrower signed initial [redacted] on [redacted]. |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226481018 | [Redacted] | [Redacted] | 37722825 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-Inspection Fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-10-01): Sufficient Cure Provided At Closing |
10/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226481018 | [Redacted] | [Redacted] | 37722826 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-10-01): Sufficient Cure Provided At Closing |
10/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226481108 | [Redacted] | [Redacted] | 37722838 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the Mortgage Statement for property #[redacted]. | Reviewer Comment (2026-10-12): No HOA, tax calculated from purchase price. Buyer Comment (2026-10-08): rebuttal with supporting docs for all properties upld to trl docs |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226481108 | [Redacted] | [Redacted] | 37722840 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the Mortgage Statement for property #[redacted]. | Reviewer Comment (2026-10-12): Documents received. Buyer Comment (2026-10-08): rebuttal with supporting docs for all properties upld to trl docs |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226481108 | [Redacted] | [Redacted] | 37722844 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the Mortgage Statement for property address [redacted]'. | Reviewer Comment (2026-10-12): Documents received. Buyer Comment (2026-10-08): rebuttal with supporting docs for all properties upld to trl docs |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226481108 | [Redacted] | [Redacted] | 37722846 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the Mortgage Statement for property address [redacted]'. | Reviewer Comment (2026-10-12): Documents received. Buyer Comment (2026-10-08): rebuttal with supporting docs for all properties upld to trl docs |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226481108 | [Redacted] | [Redacted] | 37722848 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the Mortgage Statement for property address [redacted]'. | Reviewer Comment (2026-10-12): Documents received. Buyer Comment (2026-10-08): rebuttal with supporting docs for all properties upld to trl docs |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226481108 | [Redacted] | [Redacted] | 37722849 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the Mortgage Statement for property address [redacted]'. | Reviewer Comment (2026-10-12): Documents received. Buyer Comment (2026-10-08): rebuttal with supporting docs for all properties upld to trl docs |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226481108 | [Redacted] | [Redacted] | 37722852 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the Mortgage Statement for property address [redacted]'. | Reviewer Comment (2026-10-12): Documents received. Buyer Comment (2026-10-08): rebuttal with supporting docs for all properties upld to trl docs |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226481108 | [Redacted] | [Redacted] | 37722853 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the Mortgage Statement for property address [redacted]'. | Reviewer Comment (2026-10-12): Documents received. Buyer Comment (2026-10-08): rebuttal with supporting docs for all properties upld to trl docs |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226481108 | [Redacted] | [Redacted] | 37722854 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the Mortgage Statement for property address [redacted]'. | Reviewer Comment (2026-10-12): Documents received. Buyer Comment (2026-10-08): rebuttal with supporting docs for all properties upld to trl docs |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226481108 | [Redacted] | [Redacted] | 37727054 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing the Mortgage Statements for the REO Properties. | Reviewer Comment (2026-10-12): Documents received. Buyer Comment (2026-10-08): rebuttal with supporting notes & cd's upld for all properties. |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226482793 | [Redacted] | [Redacted] | 37729444 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-28): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-27): Please see attached Cover Letter, PCCD, Cure Check and Proof [redacted] delivered |
10/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226482793 | [Redacted] | [Redacted] | 37733064 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Gift Letter in file is incomplete for the [redacted] gift. - missing the amount, source of funds, property address, & relationship. | Reviewer Comment (2026-10-28): Received signed dated Gift letter for [redacted], Exception cleared. Buyer Comment (2026-10-27): Please review the gift letter again ([redacted]), the amount IS listed. Gift is in the amount of $[redacted] which matches the amount on the final CD. Reviewer Comment (2026-10-14): Amount not listed on Gift letter Buyer Comment (2026-10-13): Please see attached completed gift letter. |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226482793 | [Redacted] | [Redacted] | 37733070 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing Gift Letter | Reviewer Comment (2026-10-28): Received signed dated Gift letter for [redacted], Exception cleared. Buyer Comment (2026-10-27): Please review the gift letter again ([redacted]), the amount IS listed. Gift is in the amount of $[redacted] which matches the amount on the final CD. Reviewer Comment (2026-10-14): Amount not listed on Gift letter Buyer Comment (2026-10-13): Please see attached completed gift letter. |
10/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226482793 | [Redacted] | [Redacted] | 37733071 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Gift Letter in file is missing all information except for Borrower name and signature of donor. | Reviewer Comment (2026-10-28): Received signed dated Gift letter for [redacted], Exception cleared. Buyer Comment (2026-10-27): Please review the gift letter again ([redacted]), the amount IS listed. Gift is in the amount of $[redacted] which matches the amount on the final CD. Reviewer Comment (2026-10-14): Amount not listed on Gift letter Buyer Comment (2026-10-13): Please see attached completed gift letter. |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226482793 | [Redacted] | [Redacted] | 37733072 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Gift Letter in file is missing all information except for Borrower name and signature of donor. | Reviewer Comment (2026-10-28): Received signed dated Gift letter for [redacted], Exception cleared. Buyer Comment (2026-10-27): Please review the gift letter again ([redacted]), the amount IS listed. Gift is in the amount of $[redacted] which matches the amount on the final CD. Reviewer Comment (2026-10-14): Amount not listed on Gift letter Buyer Comment (2026-10-13): Please see attached completed gift letter. |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226482793 | [Redacted] | [Redacted] | 37733073 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Gift Letter in file is missing all information except for Borrower name and signature of donor. | Reviewer Comment (2026-10-28): Received signed dated Gift letter for [redacted], Exception cleared. Buyer Comment (2026-10-27): Please review the gift letter again ([redacted]), the amount IS listed. Gift is in the amount of $[redacted] which matches the amount on the final CD. Reviewer Comment (2026-10-14): Amount not listed on Gift letter Buyer Comment (2026-10-13): Please see attached completed gift letter. |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226482959 | [Redacted] | [Redacted] | 37729468 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | CPA Letter was not found in the file to verify ownership of the borrower. | Reviewer Comment (2026-10-09): Alternate document is acceptable as per guidelines. Articles of organization and Secretary of State [redacted] Buyer Comment (2026-10-07): business is an llc, alternative documentation provided, see articles and business search on [redacted] & [redacted] per guides |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VT | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226482959 | [Redacted] | [Redacted] | 37729475 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | CPA Letter was not found in the file to verify ownership of the borrower. | Reviewer Comment (2026-10-09): Alternate document is acceptable as per guidelines. Articles of organization and Secretary of State [redacted] Buyer Comment (2026-10-07): business is an llc, alternative documentation provided, see articles and business search on [redacted] & [redacted] per guides |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VT | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226482959 | [Redacted] | [Redacted] | 37729590 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. | Reviewer Comment (2026-10-09): Document received. Buyer Comment (2026-10-07): initial aprsl and proof revised aprsl sent to bwr upld, the revision was clerical, no value change, clerical revisions are not held to the [redacted] day rule |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VT | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226482959 | [Redacted] | [Redacted] | 37729591 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No evidence that borrower received a copy of appraisal at least [redacted] business days to closing. | Reviewer Comment (2026-10-09): Document received. Buyer Comment (2026-10-07): initial aprsl and proof revised aprsl sent to bwr upld, the revision was clerical, no value change, clerical revisions are not held to the [redacted] day rule |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VT | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226482959 | [Redacted] | [Redacted] | 37729592 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to CPA Letter was not found in the file to verify ownership of the borrower. | Reviewer Comment (2026-10-09): Alternate document is acceptable as per guidelines. Articles of organization and Secretary of State [redacted] Buyer Comment (2026-10-07): business is an llc, alternative documentation provided, see articles and business search on [redacted] & [redacted] per guides |
10/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | VT | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226482959 | [Redacted] | [Redacted] | 37729593 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to CPA Letter was not found in the file to verify ownership of the borrower. | Reviewer Comment (2026-10-09): Alternate document is acceptable as per guidelines. Articles of organization and Secretary of State [redacted] Buyer Comment (2026-10-07): business is an llc, alternative documentation provided, see articles and business search on [redacted] & [redacted] per guides |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VT | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226482959 | [Redacted] | [Redacted] | 37729595 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to CPA Letter was not found in the file to verify ownership of the borrower. | Reviewer Comment (2026-10-09): Alternate document is acceptable as per guidelines. Articles of organization and Secretary of State [redacted] Buyer Comment (2026-10-07): business is an llc, alternative documentation provided, see articles and business search on [redacted] & [redacted] per guides |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VT | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226482959 | [Redacted] | [Redacted] | 37729596 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-02): Sufficient Cure Provided At Closing |
10/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VT | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226482959 | [Redacted] | [Redacted] | 37733286 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Lender exception form for approved exception is missing in file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-09): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-07): except aprvl upld |
10/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | VT | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 226482959 | [Redacted] | [Redacted] | 37734919 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | LD1 states Exception. No lender exception with comp factors found in file. Once provided with Comp factors we can review and down grade and waive | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-09): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-07): except aprvl upld to trl docs |
10/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | VT | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 226482959 | [Redacted] | [Redacted] | 37783791 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of revised valuation to applicant [redacted] business days prior to consummation. Revised valuation reflects clerical change only, no impact to compliant HPML determination. | Grade [redacted] exception for revised appraisal not provided within [redacted] business days of closing. | Buyer Comment (2026-10-09): ok to waive |
10/09/2026 | No | 2 | B | B | B | B | B | VT | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 226483792 | [Redacted] | [Redacted] | 37731815 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Exchange Agreement was not found in the file to document the [redacted] funds used at closing. | Reviewer Comment (2026-10-28): Document provided Buyer Comment (2026-10-26): please see attached [redacted] exchange docs |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | NC | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226483926 | [Redacted] | [Redacted] | 37730410 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD/Closing Disclosure missing in Loan File. | Reviewer Comment (2026-10-07): Final closing statement, cleared Buyer Comment (2026-10-06): Estimated and final |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226483929 | [Redacted] | [Redacted] | 37740728 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception form missing in file for reflected exception on LD1. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-10-30): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-28): Exception |
10/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 226483929 | [Redacted] | [Redacted] | 37742425 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Borrower has insufficient assets to cover the reserves. Total assets available are $[redacted] however funds required to close are $[redacted] EMD cannot be used for reserves and gift funds were previously deposited into the borrower's account. There is insufficient assets to cover the [redacted] months reserves. | Reviewer Comment (2026-10-30): Received bank statement and currency convertor. Exception cleared. Buyer Comment (2026-10-28): FSS Buyer Comment (2026-10-28): Cash to close is only $[redacted] plus [redacted] months reserves $[redacted] , total $[redacted] assets already provided |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226484093 | [Redacted] | [Redacted] | 37737192 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-10-19): Received consent. Cleared. Buyer Comment (2026-10-13): Please see attached eConsent agreement |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226484184 | [Redacted] | [Redacted] | 37736850 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-10-07): Per [redacted] update, policies that provide coverage on a replacement cost basis are deemed to provide sufficient coverage Buyer Comment (2026-10-05): The dec page has replacement confirmation listed. see screen shot. it is on page [redacted] |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226484184 | [Redacted] | [Redacted] | 37742522 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per lender guides and recent email, file requires either a recent [redacted] month cash flow analysis or a CPA letter indicating the use of business assets will not affect the business operations which is missing from the file. | Reviewer Comment (2026-10-07): Account not used to qualify. Buyer Comment (2026-10-07): The bank statement is a personal account not a business account. please cancel invalid condition |
10/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226484211 | [Redacted] | [Redacted] | 37739342 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement verifying P&I is missing in the file. | Reviewer Comment (2026-10-30): Received closing disclosure showing P&I and Escrow information, Exception cleared. Buyer Comment (2026-10-28): CD |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226484211 | [Redacted] | [Redacted] | 37739346 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement verifying P&I is missing in the file. | Reviewer Comment (2026-10-30): Received closing disclosure showing P&I and Escrow information, Exception cleared. Buyer Comment (2026-10-28): CD |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226484211 | [Redacted] | [Redacted] | 37739347 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement verifying P&I is missing in the file. | Reviewer Comment (2026-10-30): Received closing disclosure showing P&I and Escrow information, Exception cleared. Buyer Comment (2026-10-28): CD |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226484211 | [Redacted] | [Redacted] | 37739348 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement verifying P&I is missing in the file. | Reviewer Comment (2026-10-30): Received closing disclosure showing P&I and Escrow information, Exception cleared. Buyer Comment (2026-10-28): CD |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226484211 | [Redacted] | [Redacted] | 37739353 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement verifying P&I is missing in the file. | Reviewer Comment (2026-10-30): Received closing disclosure showing P&I and Escrow information, Exception cleared. Buyer Comment (2026-10-28): CD |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226484211 | [Redacted] | [Redacted] | 37739354 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement verifying P&I is missing in the file. | Reviewer Comment (2026-11-05): Received lease. Cleared. Buyer Comment (2026-11-03): Lease Reviewer Comment (2026-10-30): Lease agreement is not provided for [redacted]-[redacted], Exception remains. Buyer Comment (2026-10-28): Mortgage Statement |
11/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226484211 | [Redacted] | [Redacted] | 37739356 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement verifying P&I is missing in the file. | Reviewer Comment (2026-10-30): Received closing disclosure showing P&I and Escrow information, Exception cleared. Buyer Comment (2026-10-28): CD |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226484211 | [Redacted] | [Redacted] | 37739358 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement verifying P&I is missing in the file. | Reviewer Comment (2026-10-30): Received closing disclosure showing P&I and Escrow information, Exception cleared. Buyer Comment (2026-10-28): CD |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226484211 | [Redacted] | [Redacted] | 37739369 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Lender has excluded debt liability of [redacted] Portfolio $[redacted] and [redacted] cards [redacted]$[redacted] while no Proof of Debt Payoff is provided, therefore not excluded from the ratio. | Reviewer Comment (2026-10-30): Closing disclosure for REO property [redacted] [redacted] showing paid off tradeline information, Exception cleared. Buyer Comment (2026-10-28): Accounts paid off , see CD |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226484223 | [Redacted] | [Redacted] | 37732956 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception which was approved. Borrower requesting to use AIRDNA report to qualify at [redacted]% LTV and DSCR of [redacted]. Compensating factor: DSCR. Borrower has a strong credit profile with no late payments reporting in their credit history. Borrower currently owns [redacted] properties. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-05): Client elects to waive with compensating factors. |
10/05/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||
| 226484227 | [Redacted] | [Redacted] | 37736595 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | DSCR: $[redacted]/$[redacted] = [redacted] is lenders DSCR calculation using the leases. Evidence of [redacted] months rent is required, however the only evidence provided is handwritten receipts which is not acceptable per lender guides. Evidence of [redacted] months rent receipts of $[redacted] rent is required. | Reviewer Comment (2026-10-20): updated and validated Reviewer Comment (2026-10-20): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted]. Buyer Comment (2026-10-16): Please review and clear Reviewer Comment (2026-10-14): Received updated UW worksheet. The exception will be re-visited upon receipt of the revised bid tape. Buyer Comment (2026-10-13): DSCR calc Buyer Comment (2026-10-13): [redacted] has updated our bidtape to reflect [redacted]. Updated bid tape should be sent in the next [redacted] hours |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226484258 | [Redacted] | [Redacted] | 37732108 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-11-03): Updated UCDP provided Buyer Comment (2026-10-30): please see attached SSR reports. risk score is [redacted], no secondary valuation required |
11/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 226484258 | [Redacted] | [Redacted] | 37732117 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-11-03): Document provided Buyer Comment (2026-10-30): please see attached econsent |
11/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 226484258 | [Redacted] | [Redacted] | 37732137 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-11-03): Document provided Buyer Comment (2026-10-30): please see attached hoi policy |
11/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 226484258 | [Redacted] | [Redacted] | 37732182 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure not provided to Borrower at least [redacted] business days prior to closing. | Reviewer Comment (2026-11-02): [redacted] received [redacted] Initial CD, [redacted] business days prior to the consummation. Buyer Comment (2026-10-30): please see attached [redacted] ICD |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||
| 226484262 | [Redacted] | [Redacted] | 37741736 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted]/file indicates there is an approved lender exception. The lender exception form, approval and compensating factors were not located in the file. | Borrower has verified disposable income of at least $[redacted] Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-19): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-15): Please see attached Exception |
10/19/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226484262 | [Redacted] | [Redacted] | 37742777 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | The [redacted]/file indicates there is an approved lender exception. The lender exception form, approval and compensating factors was not located in the file. | Borrower has verified disposable income of at least $[redacted] Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-19): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-15): Please see attached Exception |
10/19/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226484271 | [Redacted] | [Redacted] | 37746827 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-05): Sufficient Cure Provided At Closing |
10/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226484271 | [Redacted] | [Redacted] | 37752763 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Failure due to missing the appraisal for the departure residence to ensure [redacted]% equity and to enable exclusion of the payment. | Reviewer Comment (2026-10-21): Appraisal document not required. Exception cleared. Buyer Comment (2026-10-20): Appraisal is not required when there is a non-contingent sales contract. Please see[redacted] (lines [redacted]-[redacted] of contract shows no contingencies) |
10/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226484271 | [Redacted] | [Redacted] | 37752768 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Failure due to missing the appraisal for the departure residence to ensure [redacted]% equity and to enable exclusion of the payment. | Reviewer Comment (2026-10-21): Appraisal document not required. Exception cleared. Buyer Comment (2026-10-20): Appraisal is not required when there is a non-contingent sales contract. Please see[redacted] (lines [redacted]-[redacted] of contract shows no contingencies) |
10/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226484271 | [Redacted] | [Redacted] | 37752921 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-10-21): Appraisal document not required. Exception cleared. Buyer Comment (2026-10-20): Waterfall |
10/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226484271 | [Redacted] | [Redacted] | 37752952 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Missing the Appraisal for the departure residence to ensure [redacted]% equity | Reviewer Comment (2026-10-21): Appraisal document not required. Exception cleared. Buyer Comment (2026-10-20): Appraisal is not required when there is a non-contingent sales contract. Please see[redacted] (lines [redacted]-[redacted] of contract shows no contingencies) |
10/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226484273 | [Redacted] | [Redacted] | 37733149 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted]([redacted])([redacted]) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-10-02): Sufficient Cure Provided within [redacted] Days of Closing |
10/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226484280 | [Redacted] | [Redacted] | 37741735 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement is missing for [redacted]. | Reviewer Comment (2026-10-09): HELOC Agreement in the file, exception cleared Buyer Comment (2026-10-08): see heloc docs on [redacted] & [redacted] |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226484280 | [Redacted] | [Redacted] | 37741752 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | VVOE is missing. | Reviewer Comment (2026-10-09): Received TWN. Condition cleared. Buyer Comment (2026-10-08): final voe upld |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226484280 | [Redacted] | [Redacted] | 37741757 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | VVOE is missing. | Reviewer Comment (2026-10-09): Received TWN. Condition cleared. Buyer Comment (2026-10-08): final voe upld to trl docs |
10/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226484280 | [Redacted] | [Redacted] | 37741758 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | VVOE is missing. | Reviewer Comment (2026-10-09): Received TWN. Condition cleared. Buyer Comment (2026-10-08): final voe upld to trl docs |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226484280 | [Redacted] | [Redacted] | 37741760 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-05): Sufficient Cure Provided At Closing |
10/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226484280 | [Redacted] | [Redacted] | 37743332 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Borrower [redacted] signed however Missing Date | Reviewer Comment (2026-10-09): Received dated signature. Cleared. Buyer Comment (2026-10-08): certified copy with completed date upld |
10/09/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | GA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226484283 | [Redacted] | [Redacted] | 37742842 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Reviewer Comment (2026-10-14): Received PPP rider. Cleared. Buyer Comment (2026-10-05): rider |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 226484296 | [Redacted] | [Redacted] | 37740842 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Lender exception form, approval and comp factors missing in file for reflected exception on LD1. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-30): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-28): please see attached lender exception |
10/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TN | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 226484299 | [Redacted] | [Redacted] | 37740113 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title Commitment Schedule B Part I #[redacted] reflects an open lien in the amount of $[redacted] Please provide evidence of paid/satisfied and will not have a negative impact on Title Commitment. | Reviewer Comment (2026-10-08): Received lien satisfaction document as required. Exception cleared. Buyer Comment (2026-10-06): Title email Buyer Comment (2026-10-06): Release of Lien |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226484387 | [Redacted] | [Redacted] | 37741806 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not found in file. | Reviewer Comment (2026-10-09): Received required documentation. Condition cleared. Buyer Comment (2026-10-08): hoi upld |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226484387 | [Redacted] | [Redacted] | 37741838 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not found in file. | Reviewer Comment (2026-10-09): Received required documentation. Condition cleared. Buyer Comment (2026-10-08): proof econsent was accepted and disclosures were also sent regular mail upld |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226484387 | [Redacted] | [Redacted] | 37741847 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Borrowers' fico score of [redacted] does not meet the minimum fico requirement of [redacted] for bank statement program at [redacted]% LTV. Lender approved exception for [redacted]% LTV at a [redacted] fico. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-09): Client elects to waive with compensating factors. Buyer Comment (2026-10-08): except aprvl upld |
10/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | XXXX | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 226484387 | [Redacted] | [Redacted] | 37741935 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-10-09): Received required documentation. Condition cleared. Buyer Comment (2026-10-08): aprsl receipt upld t trl docs, the spanish verbiage "Hola burnas tardes si me llego el reporte ayer" translates to "Hello, good afternoon. Yes, I received the report yesterday." |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226484387 | [Redacted] | [Redacted] | 37741936 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal dated [redacted] is missing evidence of receipt. | Reviewer Comment (2026-10-09): Received required documentation. Condition cleared. Buyer Comment (2026-10-08): aprsl receipt upld, the spanish verbiage "Hola burnas tardes si me llego el reporte ayer" translates to "Hello, good afternoon. Yes, I received the report yesterday." |
10/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226484387 | [Redacted] | [Redacted] | 37741938 | Compliance | Compliance | State Compliance | Misc. State Level | XXXX Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | [redacted] Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. | [redacted] - Broker Notice - [redacted] Disclosure was not found in file. | Reviewer Comment (2026-10-09): Received required documentation. Condition cleared. Buyer Comment (2026-10-08): disclosure upld |
10/09/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | XXXX | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226484568 | [Redacted] | [Redacted] | 37739538 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not found in file. | Reviewer Comment (2026-10-30): Received Hazard Insurance for the Property. Values updated and Exception cleared. Buyer Comment (2026-10-28): Hazard |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 226484568 | [Redacted] | [Redacted] | 37739604 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-10-30): Received UCDP reflects SSR score under [redacted]. Secondary valuation not required. Exception Cleared. Buyer Comment (2026-10-28): Not required , SSR score under [redacted] |
10/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Investment | Purchase | D | A | C | A | D | A | N/A | No | |||||||||||||||
| 226484568 | [Redacted] | [Redacted] | 37743719 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per lender guides and recent email, file requires either a recent [redacted] month cash flow analysis or a CPA letter indicating the use of business assets will not affect the business operations which is missing from the file for the account ending [redacted] | Reviewer Comment (2026-10-30): Received CPA Letter for the Account #[redacted] stating transaction will not have a negative impact on the ongoing operations, financial stability or ability of the company to continue. Exception Cleared. Buyer Comment (2026-10-28): CPA letter |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 226484948 | [Redacted] | [Redacted] | 37741282 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. | Reviewer Comment (2026-10-15): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-14): pccd docs upld |
10/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226485238 | [Redacted] | [Redacted] | 37736670 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline, as [redacted] property "[redacted]" expenses were not considered in the [redacted]; however, there is no proof to exclude them, which has reflected the mortgage loan. Also, the [redacted] and Closing Disclosure have not reflected any credit debt paid off, and there is no proof in the file for those considered in the DTI review. | Reviewer Comment (2026-11-02): [redacted] Closing disclosure received & departure residence updated correctly & liability excluded. Exception cleared. |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226485238 | [Redacted] | [Redacted] | 37736689 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non-QM does not match due to DTI exceeding the Guideline limit. | Reviewer Comment (2026-11-02): [redacted] Closing disclosure received & departure residence updated correctly & liability excluded. Exception cleared. |
11/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226485238 | [Redacted] | [Redacted] | 37736690 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Waterfall due to DTI exceeding the Guideline maximum of [redacted]%. | Reviewer Comment (2026-11-02): [redacted] Closing disclosure received & departure residence updated correctly & liability excluded. Exception cleared. |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226485238 | [Redacted] | [Redacted] | 37736692 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-30): [redacted] Received Valid COC dated [redacted]. Buyer Comment (2026-10-29): ICD with COC |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226485238 | [Redacted] | [Redacted] | 37736720 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Waterfall due to DTI not meeting Guideline requirements, as Rio property "[redacted]" expenses were not considered in the [redacted]; however, there is no proof to exclude them. Also, the [redacted] or Closing Disclosure do not reflect any credit debt paid off, and there is no proof in the file for those not excluded for review. | Reviewer Comment (2026-11-02): [redacted] Closing disclosure received & departure residence updated correctly & liability excluded. Exception cleared. Buyer Comment (2026-10-29): Bridge |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226485238 | [Redacted] | [Redacted] | 37736813 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall due to DTI exceeding the Guideline limit. | Reviewer Comment (2026-11-02): [redacted] Closing disclosure received & departure residence updated correctly & liability excluded. Exception cleared. |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226485676 | [Redacted] | [Redacted] | 37737546 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security instrument provided was signed and dated by the borrower but was not signed or dated by the notary. | Reviewer Comment (2026-10-06): Security Instrument - Subject Lien signed and dated by all, cleared Buyer Comment (2026-10-05): Security Instrument |
10/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 226485676 | [Redacted] | [Redacted] | 37744388 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | The [redacted]/file indicates there is an approved lender exception. The lender exception form, approval and compensating factors was not located in the file. | Reviewer Comment (2026-10-06): Lender exception, cleared Buyer Comment (2026-10-05): EXCEPTION APPROVAL |
10/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 226485676 | [Redacted] | [Redacted] | 37750423 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception to allow [redacted]% builder concession; guideline maximum is [redacted]%. Comp factors - FICO [redacted] points over requirement | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] |
SitusAMC SitusAMC |
Reviewer Comment (2026-10-06): Lender exception approved |
10/06/2026 | Yes | 2 | B | B | B | B | B | TX | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||||||||
| 226486244 | [Redacted] | [Redacted] | 37953547 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: LTV | Reviewer Comment (2026-10-27): Updated value. Condition cleared. Buyer Comment (2026-10-26): Friendly follow-up, please review LTV support documents and correct [redacted] Buyer Comment (2026-10-23): Exception, Sales History Buyer Comment (2026-10-23): [redacted] respectfully disagrees with [redacted] LTV designation. Uploaded please find approved exception allowing LTV of [redacted]% Please also find sales history of property Per the guidelines re: technical refinance, we can use the sales price of $[redacted]k. Please review and update [redacted] |
10/27/2026 | No | 1 | A | A | A | A | A | NY | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 226486245 | [Redacted] | [Redacted] | 37737970 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-02): Sufficient Cure Provided At Closing |
10/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226486245 | [Redacted] | [Redacted] | 37737971 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-02): Sufficient Cure Provided At Closing |
10/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226486245 | [Redacted] | [Redacted] | 37737979 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement was not found in file. | Reviewer Comment (2026-10-08): E-Sign Consent Agreement received. Exception cleared. Buyer Comment (2026-10-06): proof econsent accepted upld |
10/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226486312 | [Redacted] | [Redacted] | 37741674 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | The co-borrower occupancy is investment; however, the Declaration Section shows the borrower will occupy the property as a primary residence. | Reviewer Comment (2026-11-02): Received updated [redacted] document for the CO-borrower with the corrected occupancy type. Exception Cleared. Buyer Comment (2026-10-29): Updated [redacted] |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226486584 | [Redacted] | [Redacted] | 37746133 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-05): Sufficient Cure Provided At Closing |
10/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226486584 | [Redacted] | [Redacted] | 37746140 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | PUD Rider missing in file. | Reviewer Comment (2026-11-02): PUD Rider provided. Exception cleared. Buyer Comment (2026-10-29): please see pud rider doc[redacted] |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226489532 | [Redacted] | [Redacted] | 37738011 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA reserves of [redacted] months are below the guideline requirement of [redacted] months. Loan does not meet minimum reserve requirements. | Reviewer Comment (2026-10-27): Cleared. Received asset statement. Buyer Comment (2026-10-23): [redacted], [redacted] & retirement |
10/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226489532 | [Redacted] | [Redacted] | 37738025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to Calculated PITIA reserves of [redacted] months are below the guideline requirement of [redacted] months. Loan does not meet minimum reserve requirements. | Reviewer Comment (2026-10-27): Cleared. Received asset statement. Buyer Comment (2026-10-23): see uploaded |
10/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226489532 | [Redacted] | [Redacted] | 37738026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall due to Calculated PITIA reserves of [redacted] months are below the guideline requirement of [redacted] months. Loan does not meet minimum reserve requirements. | Reviewer Comment (2026-10-27): Cleared. Received asset statement. Buyer Comment (2026-10-23): see uploaded |
10/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226489532 | [Redacted] | [Redacted] | 37738028 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | No Valid COC or lender cure was provided for the increase in [redacted]% tolerance fees. | Reviewer Comment (2026-10-02): Sufficient Cure Provided At Closing |
10/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226489532 | [Redacted] | [Redacted] | 37744113 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Approved exception on non warrantable condo. | Borrower has verified disposable income of at least $[redacted] The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-12): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-10-12): Lender exception approval provided for non-warrantable condo. The project has insufficient coverage due to the max loss limit being less than [redacted]% of the estimated replacement cost value. Buyer Comment (2026-10-08): exception |
10/12/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 226489593 | [Redacted] | [Redacted] | 37740323 | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided | [redacted] Rent Comparison Schedule was not found in file. | Reviewer Comment (2026-10-29): Document provided Buyer Comment (2026-10-27): Rent docs |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226489926 | [Redacted] | [Redacted] | 37797614 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Risk Report. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-12): Sufficient Cure Provided At Closing |
10/12/2026 | No | 1 | A | A | A | A | A | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226489926 | [Redacted] | [Redacted] | 37797615 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-12): Sufficient Cure Provided At Closing |
10/12/2026 | No | 1 | A | A | A | A | A | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226491483 | [Redacted] | [Redacted] | 37759897 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Per lender guides for asset depletion income, [redacted] months statements are required. Only [redacted] months were provided. | Reviewer Comment (2026-10-15): Reviewed and updated documents provided D#[redacted] Buyer Comment (2026-10-14): funds were transferred from [redacted] acct #[redacted] to interactive broker #[redacted] in [redacted], please review the total of [redacted] mos statements |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226491483 | [Redacted] | [Redacted] | 37759990 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Failure due to missing the complete [redacted] months statements for the AD income. | Reviewer Comment (2026-10-15): Reviewed and updated documents provided D#[redacted] Buyer Comment (2026-10-14): funds were transferred from [redacted] acct #[redacted] to interactive broker #[redacted] in [redacted], please review the total of [redacted] mos statements |
10/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226491483 | [Redacted] | [Redacted] | 37759991 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Failure due to missing the complete [redacted] months statements for the AD income. | Reviewer Comment (2026-10-15): Reviewed and updated documents provided D#[redacted] Buyer Comment (2026-10-14): funds were transferred from [redacted] acct #[redacted] to interactive broker #[redacted] in [redacted], please review the total of [redacted] mos statements |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226491485 | [Redacted] | [Redacted] | 37826064 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - LTV | Reviewer Comment (2026-10-14): Received addendum. Cleared. Buyer Comment (2026-10-14): Addendum - $[redacted]k Buyer Comment (2026-10-14): [redacted] respectfully disagrees with [redacted]'s LTV designation. Attached please find [redacted] addendum changing purchase price from $[redacted]k to $[redacted]k $[redacted] / $[redacted] = [redacted] Please review and correct [redacted] |
10/14/2026 | No | 1 | A | A | A | A | A | CO | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 226491489 | [Redacted] | [Redacted] | 37749186 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | DSCR=$[redacted]/$[redacted] Tax (Monthly)=$[redacted] Hazard=$[redacted] Discrepancy is due to the mortgage payment used by lender. |
Reviewer Comment (2026-10-20): updated and validated Reviewer Comment (2026-10-20): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted]. Buyer Comment (2026-10-16): Please review and clear Reviewer Comment (2026-10-14): Once bid tape is updated, please advise to clear. Buyer Comment (2026-10-13): [redacted] has updated our bidtape to reflect [redacted]. Updated bidtape will be sent in the next [redacted] hours. |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226491490 | [Redacted] | [Redacted] | 37753053 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-06): Sufficient Cure Provided At Closing |
10/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226491490 | [Redacted] | [Redacted] | 37753325 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of revised valuation to applicant [redacted] business days prior to consummation. Revised valuation reflects clerical change only, no impact to compliant HPML determination. | Reviewer Comment (2026-10-14): recvd [redacted] Buyer Comment (2026-10-13): please cancel, the receipt om [redacted] reflects we sent the revised aprsl to the borrower on [redacted], the loan closed [redacted] which was within the [redacted] day time frame |
10/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TN | Primary | Purchase | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 226491493 | [Redacted] | [Redacted] | 37752712 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Per lender guides, Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address [redacted], however this is missing from the file. | Reviewer Comment (2026-10-19): Document provided Buyer Comment (2026-10-15): document is found in [redacted]. Loan amount is higher and therefore does not need to be amended. |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226491708 | [Redacted] | [Redacted] | 37752656 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over limit due to Title- Settlement/ Closing/ Escrow fee of $[redacted] not being disclosed to borrower until the final CD. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-10-12): [redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-10-08): lox, PCCD, and rebuttal |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226491713 | [Redacted] | [Redacted] | 37750202 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. | Information updated as per Final Closing Disclosure provided on [redacted]. | Reviewer Comment (2026-10-16): [redacted] received Letter of Explanation & Corrected CD Buyer Comment (2026-10-15): PCCD, LOX |
10/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OR | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 226491713 | [Redacted] | [Redacted] | 37750203 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | Non-escrowed property costs over year one was not disclosed on final CD. | Reviewer Comment (2026-10-15): [redacted] received corrected PCCD and LOE Buyer Comment (2026-10-15): see uploaded |
10/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OR | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 226491713 | [Redacted] | [Redacted] | 37750204 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Information updated as per Final Closing Disclosure provided on [redacted]. | Reviewer Comment (2026-10-16): [redacted] received Letter of Explanation & Corrected CD Buyer Comment (2026-10-15): see uploaded |
10/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OR | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 226491713 | [Redacted] | [Redacted] | 37750206 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Total fee amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] Variance is due to Title- Settlement/ Closing/ Escrow fee being first disclosed as $[redacted] and then on the final CD as $[redacted] No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-10-27): [redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-10-26): tracking Reviewer Comment (2026-10-23): [redacted] received Post CD,LOX,Copy of refund check and proof of mailing.[redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2026-10-22): PCCD, LOX, Label and Check Reviewer Comment (2026-10-20): [redacted] received rebuttal comment. However, the recording service fee of $[redacted] disclosed is in section C of final CD under No tolerance section. Hence, the baseline [redacted]% tolerance was $[redacted] and final CD total of [redacted]% tolerance is $[redacted] Therefore, the cure would be $[redacted] is required to borrower. Buyer Comment (2026-10-19): title fees are a cumulative [redacted]% tolerance including the recording fee. The baseline [redacted]% tolerance limit was $[redacted] (all title fees on initial LE + recording fee on initial LE x [redacted]). The final CD Title Fees + recording fees were only $[redacted] Cure should only be $[redacted] dollars. |
10/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 226491713 | [Redacted] | [Redacted] | 37750207 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension fee of $[redacted] was not disclosed on initial or final LE. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-10-15): [redacted] received valid COC Buyer Comment (2026-10-15): coc |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 226491713 | [Redacted] | [Redacted] | 37750208 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal reinspection fee of $[redacted] not disclosed to borrower until final CD. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-10-15): [redacted] received PCCD and LOE Buyer Comment (2026-10-15): this was cured on the final cd |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 226496780 | [Redacted] | [Redacted] | 37770550 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee was disclosed on initial Loan Estimate as $[redacted] but disclosed on final Closing Disclosure $[redacted] File does not contain a valid Change of Circumstance for this fee, nor evidence of cure is provided in file. | Reviewer Comment (2026-10-26): [redacted] received PCCD, LOE, proof of mailing & copy of refund check Buyer Comment (2026-10-22): PCCD, LOX, Label and Check Reviewer Comment (2026-10-19): The Changed Circumstance dated [redacted] states that appraisal fee increased upon receipt of the appraisal and states in description Increased Appraisal Fee - Per [redacted] Surcharge. Rebuttal states invoice received with higher fee amount. Lender is required to use due diligence in disclosing the borrower's costs on the Initial LE. On the initial LE the appraisal fee was disclosed as $[redacted] The Changed Circumstance did not give sufficient information to meet the regulatory guidance requirements for a valid changed circumstance. As the appraisal fee is a [redacted]% tolerance fee, receiving an invoice from a third-party provider of the actual cost of the service, which is now higher than what was previously disclosed to the borrower is not, in and of itself, a valid changed circumstance. The question becomes why did the fee change? The TRID rule allows for a fee to increase and tolerance reset only if a valid changed circumstance under[redacted] is met. This section further defines a "changed circumstance" as: • An extraordinary event beyond the control of any interested party or other unexpected event specific to the consumer or transaction (§[redacted]([redacted])); • Information specific to the consumer or transaction that the creditor relied upon when providing the disclosures and that was inaccurate or changed after the disclosures were provided (§[redacted]([redacted])); or • New information specific to the consumer or transaction that the creditor did not rely on when providing the disclosures. (§[redacted]([redacted])). So the question becomes, why did the fee increase? If the increase occurred based on new information specific to the transaction or consumer that was not relied on when the LE was provided, we can review that in consideration that a valid changed circumstance exists and the fee should be rebaselined to the higher amount. The fact that an invoice was received during the course of processing or underwriting which now shows an amount higher than what the lender had previously disclosed is not sufficient to rebaseline as it doesn't meet the definition of a changed circumstance. In order to rebaseline to the higher amount, something new would have had to occur which caused the increase rather than lender just underestimating the cost of the fee on the previous LE. SFA TRID Grid [redacted] further clarifies the requirements to meet a valid changed circumstance: Examples of acceptable and non-acceptable per the Grid also reflected in the Appendix also clarifies: Lender should provide the additional information to meet a valid changed circumstance and documenting lender's knowledge of the increase. Typically, the appraiser or [redacted] will notify lender prior to going forward with the appraisal order if the costs will be greater than their standard fee amount to allow lender to give approval to continue. System notes usually support that documentation. Reviewer Comment (2026-10-19): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-10-16): The appraisal was ordered on [redacted] and invoice came back that the appraisal was going to cost [redacted] so we re-disclosed the increase within [redacted] days of finding out the cost. Reviewer Comment (2026-10-16): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-10-15): LE & COC |
10/26/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226496780 | [Redacted] | [Redacted] | 37774230 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted]/file indicates there is an approved lender exception. The lender exception form, approval and compensating factors was not located in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-19): Lender Exception with Compensating Factors provided Buyer Comment (2026-10-15): exception |
10/19/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TN | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 226499990 | [Redacted] | [Redacted] | 37759105 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance was exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit with no valid change of circumstances and no cure was provided to the borrower. | Reviewer Comment (2026-10-28): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-10-27): Final CD shows lender credit for $[redacted] $[redacted] is for the transfer tax and $[redacted] for the violation on the credit report. |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226499990 | [Redacted] | [Redacted] | 37759106 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Loan Discount Points. Fee amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit with no valid change of circumstances and no cure was provided to the borrower. | Reviewer Comment (2026-10-28): [redacted] received Valid COC dated [redacted]. Buyer Comment (2026-10-27): Please see the attached COC dated [redacted] for an increase in loan amount. The actual points decreased from [redacted]% initially Disclosed on the LE to [redacted]% on the final CD so points actually decreased. The increase in dollars is due to the loan amount increase. This is a valid COC and no cure is required. |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226499990 | [Redacted] | [Redacted] | 37759107 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Transfer Tax. Fee amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit with no valid change of circumstances and no cure was provided to the borrower. | Reviewer Comment (2026-10-28): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-10-27): [redacted] Please rebaseline off of the [redacted] LE. There is a COC for an increase of loan amount on that [redacted] (see attached) and the Corresponding LE is provided showing a higher loan amount. Final CD shows lender credit for [redacted]. $[redacted] is for the transfer tax and $[redacted] for the violation on the credit report. |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226499990 | [Redacted] | [Redacted] | 37997362 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-28): Sufficient Cure Provided At Closing |
10/28/2026 | No | 1 | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226499990 | [Redacted] | [Redacted] | 37997363 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-28): Sufficient Cure Provided At Closing |
10/28/2026 | No | 1 | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226504780 | [Redacted] | [Redacted] | 37763162 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - P&L Statement Only Guidelines Number of Months P&L Requirement not met | Ability to Repay (Dodd-Frank [redacted]): The number of months covered by the provided P&L Statement(s) was fewer than the number of months required by the guidelines. | The number of months covered by the provided P&L Statement(s) was fewer than the number of months required by the guidelines. | Reviewer Comment (2026-10-14): [redacted] p&L provided Seller Comment (2026-10-09): [redacted] P&L attached |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226504780 | [Redacted] | [Redacted] | 37764137 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | The P&L for the year [redacted] is not up to [redacted] months. Therefore, the total P&L statement is not up to [redacted] months. | Reviewer Comment (2026-10-14): [redacted] p&L provided Seller Comment (2026-10-09): [redacted] P&L attached |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226504780 | [Redacted] | [Redacted] | 37764138 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | The P&L for the year [redacted] is not up to [redacted] months. Therefore, the total P&L statement is not up to [redacted] months. | Reviewer Comment (2026-10-14): [redacted] p&L provided |
10/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226504780 | [Redacted] | [Redacted] | 37764232 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | All [redacted] signature expanded should be either Non QM or N/A | Reviewer Comment (2026-10-14): [redacted] p&L provided |
10/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226505351 | [Redacted] | [Redacted] | 37770688 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | Incomplete Initial Closing Disclosure dated [redacted] was issued before the Final Loan Estimate dated [redacted]. | Reviewer Comment (2026-10-27): [redacted] received LOA to remove CD dated [redacted], from testing as it is title balancing CD and was not provided to the borrower. Buyer Comment (2026-10-26): Please disregard the CD Dated [redacted] as this appears to be a balancing CD from the title company. See attached Lender Attestation. |
10/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226505351 | [Redacted] | [Redacted] | 37770689 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-10-08): Sufficient Cure Provided At Closing |
10/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226505351 | [Redacted] | [Redacted] | 37770690 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Transfer tax fee amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-10-08): Sufficient Cure Provided At Closing |
10/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226505351 | [Redacted] | [Redacted] | 37773245 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted]/file indicates there is an approved lender exception. The lender exception form, approval and compensating factors was not located in the file. | Borrower has verified disposable income of at least $[redacted] Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-28): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-26): Please see attached Lender Exception |
10/28/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 226505354 | [Redacted] | [Redacted] | 37766260 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception which was approved - [redacted] (rural investment property is not eligible on Investor Cash Flow/DSCR program). The subject is a SFR with [redacted] bed/[redacted] bath with public well and septic on [redacted] sf. No Zoning (can be rebuilt). CDA is not required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-07): Lender Exception with Compensating Factors provided. |
10/07/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | AL | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||
| 226505354 | [Redacted] | [Redacted] | 37766664 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for borrower is unable to provide a mortgage statement or promissory note for current mortgage on subject. Instead, we have a LOE from the note holder confirming no late payments. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-07): Lender Exception with Compensating Factors provided. |
10/07/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | AL | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||
| 226505358 | [Redacted] | [Redacted] | 37770680 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance was found in the file nor was Sufficient Cure was provided to the borrower at closing. | Reviewer Comment (2026-10-27): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-10-26): pccd docs upld Reviewer Comment (2026-10-16): [redacted] received rebuttal, however [redacted]% tolerance fees were increased title settlement fee increased to $[redacted] title-municipal lien fee of $[redacted] added, recording fee increased to $[redacted] A valid COC for increase of title fees or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-10-15): please cancel, fees were re-baselined on the [redacted] cd. |
10/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226505358 | [Redacted] | [Redacted] | 37770681 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance was found in the file nor was Sufficient Cure was provided to the borrower at closing. | Reviewer Comment (2026-10-08): Cured at closing or within [redacted] days of consummation prior to TPR review |
10/08/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226505358 | [Redacted] | [Redacted] | 37770682 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance was found in the file nor was Sufficient Cure was provided to the borrower at closing. | Reviewer Comment (2026-10-08): Cured at closing or within [redacted] days of consummation prior to TPR review |
10/08/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226505358 | [Redacted] | [Redacted] | 37770683 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance was found in the file nor was Sufficient Cure was provided to the borrower at closing. | Reviewer Comment (2026-10-08): Cured at closing or within [redacted] days of consummation prior to TPR review |
10/08/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226505358 | [Redacted] | [Redacted] | 37776576 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Loan transaction did not pay off a lender to lender mortgage. The H9 RTC form was used, however the H8 RTC form should have been used. Please provide the corrected RTC with a new rescission period (does not need to be signed), letter to borrower explaining the issue and the mailing label. Borrower must receive the Corrected package at least [redacted] business days prior to the new expiration date on the corrected RTC. | Reviewer Comment (2026-10-27): Received letter to borrower, corrected RTC and mailing label. Buyer Comment (2026-10-26): rtc and proof of viewing upld |
10/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226505358 | [Redacted] | [Redacted] | 37777282 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | The [redacted]/file indicates there is an approved lender exception. The lender exception form, approval and compensating factors was not located in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-10-19): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-15): except aprvl upld |
10/19/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 226505359 | [Redacted] | [Redacted] | 37768378 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero percent fee tolerance was exceeded for loan discount points. The disclosed fee amount of $[redacted] exceeds the allowable tolerance of $[redacted] by $[redacted] Insufficient or no cure was provided to the borrower for the amount exceeding the legal tolerance limit. | Reviewer Comment (2026-10-27): [redacted] receievd a valid COC. Buyer Comment (2026-10-26): Increase of points was on [redacted] when loan was locked. Please see COC in[redacted] and rate lock in[redacted]. The borrower chose to lock a rate that had a higher cost on discount points. This is a valid COC, nothing additional is required |
10/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226505360 | [Redacted] | [Redacted] | 37771019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]/Declarations: D. [redacted]. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Unable to determine qualification without this information. | - | Reviewer Comment (2026-11-03): Cleared. New mtg details provided in REO section. Buyer Comment (2026-10-30): Other loan as shown on [redacted] |
11/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226505370 | [Redacted] | [Redacted] | 37767544 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Per lender guides, Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address [redacted], however this is missing from the file. | Reviewer Comment (2026-11-02): Unanimous consent document, cleared Buyer Comment (2026-11-02): UC |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226505382 | [Redacted] | [Redacted] | 37793959 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | The Final Closing Disclosure indicates that the loan does not include an escrow account. However, the disclosure does not specify whether this is due to the borrower declining escrow or because the lender does not offer one, as the corresponding checkbox was left unmarked. | Reviewer Comment (2026-10-15): [redacted] received Letter of Explanation & Corrected Closing Disclosure. Seller Comment (2026-10-14): PCCD and Letter |
10/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226505382 | [Redacted] | [Redacted] | 37793961 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee Amount of $[redacted] exceeds tolerance of $[redacted] | Reviewer Comment (2026-10-12): Cured at closing or within [redacted] days of consummation prior to TPR review |
10/12/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226505382 | [Redacted] | [Redacted] | 37795945 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-12): Sufficient Cure Provided At Closing |
10/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226506577 | [Redacted] | [Redacted] | 37771206 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing. | Reviewer Comment (2026-10-16): document provided in loan images Buyer Comment (2026-10-15): HOI |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226506577 | [Redacted] | [Redacted] | 37771232 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Evidence that the borrower was provided a copy of the Appraisal within [redacted] business days prior to consummation is missing. In additional the preliminary appraisal is missing [redacted]g with evidence of borrowers receipt of all appraisal reports. | Reviewer Comment (2026-10-19): Received evidence of borrower's receipt. Cleared. Buyer Comment (2026-10-15): appraisal delivery |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226506577 | [Redacted] | [Redacted] | 37771233 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Evidence that the borrower was provided a copy of the Appraisal within [redacted] business days prior to consummation is missing. In additional the preliminary appraisal is missing [redacted]g with evidence of borrowers receipt of all appraisal reports. | Reviewer Comment (2026-10-16): updated documents provided in loan images Buyer Comment (2026-10-15): see uploaded |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226506577 | [Redacted] | [Redacted] | 37771286 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved for use of private party Verification of Rent for [redacted] alternative credit tradeline. Max [redacted]% CLTV/LTV, Max [redacted]% DTI. | Borrower has verified disposable income of at least $[redacted] Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-16): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-15): exception |
10/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 226506577 | [Redacted] | [Redacted] | 37773014 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Evidence that the borrower was provided a copy of the Appraisal within [redacted] business days prior to consummation is missing. In additional the preliminary appraisal is missing [redacted]g with evidence of borrowers receipt of all appraisal reports. | Reviewer Comment (2026-10-19): Received evidence of borrower's receipt. Cleared. Buyer Comment (2026-10-15): see uploaded |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226506601 | [Redacted] | [Redacted] | 37771458 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
DTI variance. Lenders DTI: [redacted]%. Review DTI: [redacted]%. DTI variance is due to lenders PITI calculation of $[redacted] per month vs actual amount of $[redacted] per month. | Reviewer Comment (2026-11-05): Updated [redacted] provided showing DTI [redacted]% Buyer Comment (2026-11-03): Updated [redacted]/[redacted], bid tape update requested |
11/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226506601 | [Redacted] | [Redacted] | 37771481 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to DTI variance. DTI variance is due to lenders PITI calculation of $[redacted] per month vs actual amount of $[redacted] per month. | Reviewer Comment (2026-11-05): updated [redacted] showing DTI [redacted]% |
11/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226506601 | [Redacted] | [Redacted] | 37771483 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-10-08): Sufficient Cure Provided At Closing |
10/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226506601 | [Redacted] | [Redacted] | 37771485 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | ATR risk due to DTI variance. DTI variance is due to lenders PITI calculation of $[redacted] per month vs actual amount of $[redacted] per month. | Reviewer Comment (2026-11-05): updated [redacted] showing DTI [redacted]% |
11/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226506605 | [Redacted] | [Redacted] | 37766955 | Credit | Credit | Credit Documentation | Credit | Borrower does not own current residence and thus casts doubt on business purpose of loan. | Lender exception approved for ITIN borrower who does not own his own current primary. Lender exception approved for ITIN borrower not owning the current primary. |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Debt Service Coverage Ratio: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-19): Client elects to waive with compensating factors. Buyer Comment (2026-10-15): except aprvl upld to trl docs |
10/19/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 226506605 | [Redacted] | [Redacted] | 37767176 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | The [redacted]/file indicates there is an approved lender exception. The lender exception form, approval and compensating factors was not located in the file. | Reviewer Comment (2026-10-19): Received lender exception documents. Cleared. Buyer Comment (2026-10-15): except aprvl upld |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226506925 | [Redacted] | [Redacted] | 37787885 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Borrower is renting from a private landlord. Per lender guides, the most recent cancelled checks (front and back) or equivalent is required. | Reviewer Comment (2026-10-19): VOR was provided Buyer Comment (2026-10-16): VOR |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226507018 | [Redacted] | [Redacted] | 37784903 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-10-09): Sufficient Cure Provided At Closing |
10/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226507018 | [Redacted] | [Redacted] | 37784904 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-10-09): Sufficient Cure Provided At Closing |
10/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226507198 | [Redacted] | [Redacted] | 37784508 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Document date missing in Business Entity Document. | Reviewer Comment (2026-10-19): updated Loan Designation to [redacted] QM (APOR) per client request Buyer Comment (2026-10-16): business search |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 226507198 | [Redacted] | [Redacted] | 37784519 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to Document date missing in Business Entity Document. | Reviewer Comment (2026-10-19): updated Loan Designation to [redacted] QM (APOR) per client request Buyer Comment (2026-10-16): Please re-designate to QM [redacted] apor and see uploaded |
10/19/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 226507198 | [Redacted] | [Redacted] | 37784520 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall due to Document date missing in Business Entity Document. | Reviewer Comment (2026-10-19): updated Loan Designation to [redacted] QM (APOR) per client request Buyer Comment (2026-10-16): see uploaded |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 226507198 | [Redacted] | [Redacted] | 37784521 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require [redacted] or more Months | Ability to Repay (Dodd-Frank [redacted]): Guidelines require [redacted] or more consecutive months bank statements. | Reviewer Comment (2026-10-19): updated Loan Designation to [redacted] QM (APOR) per client request |
10/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 226507198 | [Redacted] | [Redacted] | 37784522 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Review Fee increased to $[redacted] without a valid Change of Circumstance; however, cure was provided to the borrower. | Reviewer Comment (2026-10-09): Sufficient Cure Provided At Closing |
10/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 226507198 | [Redacted] | [Redacted] | 37897766 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | updated Loan Designation to Safe Harbor QM (APOR) per client request | Buyer Comment (2026-10-20): ok to waive per approved list |
10/20/2026 | No | 2 | A | B | B | B | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 226507284 | [Redacted] | [Redacted] | 37787250 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-09): Sufficient Cure Provided At Closing |
10/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226507284 | [Redacted] | [Redacted] | 37787251 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-09): Sufficient Cure Provided At Closing |
10/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226507389 | [Redacted] | [Redacted] | 37784584 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI variance. Lenders DTI: [redacted]%. Review DTI: [redacted]%. Variance is due to lender using higher amount of taxes and insurance for property located at [redacted]. | Reviewer Comment (2026-10-30): Bid Tape DTI has been updated. Exception cleared. Buyer Comment (2026-10-28): Please see corrected [redacted]/[redacted]. I have sent a request for the bid-tape update. |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226507389 | [Redacted] | [Redacted] | 37784619 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to DTI variance. Lenders DTI: [redacted]%. Review DTI: [redacted]%. Variance is due to lender using higher amount of taxes and insurance for property located at [redacted]. | Reviewer Comment (2026-10-30): Bid Tape DTI has been updated. Exception cleared. Buyer Comment (2026-10-28): Please see corrected [redacted]/[redacted]. I have sent a request for the bid-tape update. |
10/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226507389 | [Redacted] | [Redacted] | 37784622 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-10-09): Sufficient Cure Provided At Closing |
10/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | XXXX | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226507389 | [Redacted] | [Redacted] | 37784623 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | ATR risk due to DTI variance. Lenders DTI: [redacted]%. Review DTI: [redacted]%. Variance is due to lender using higher amount of taxes and insurance for property located at [redacted]. | Reviewer Comment (2026-10-30): Bid Tape DTI has been updated. Exception cleared. Buyer Comment (2026-10-28): Please see corrected [redacted]/[redacted]. I have sent a request for the bid-tape update. |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226507432 | [Redacted] | [Redacted] | 37786281 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-10-14): final provided Reviewer Comment (2026-10-14): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Title Evidence: Commitment |
10/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226507432 | [Redacted] | [Redacted] | 37786516 | Credit | Credit | Transaction Error | Credit | Transaction Error: Total Cash-out on a purchase transaction. | Borrower is receiving total cash-out of ___ on a purchase transaction. | Total cash-out of $[redacted] on a purchase transaction. | Reviewer Comment (2026-10-14): Borrwer paid overage due to having to leave out of town and didnt want to be short Doc# [redacted] Buyer Comment (2026-10-14): Additional docs on borrower overage. Buyer Comment (2026-10-13): FSS |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226507432 | [Redacted] | [Redacted] | 37787187 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title policy pmount of $[redacted] is less than the note amount of $[redacted] based on the preliminary title. | Reviewer Comment (2026-10-14): Final title provided Buyer Comment (2026-10-13): Final Title |
10/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226508608 | [Redacted] | [Redacted] | 37786656 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy document not provided. | Reviewer Comment (2026-11-02): Received HOI. Exception cleared. Buyer Comment (2026-10-29): Please see attached HOI and supporting documents |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 226508608 | [Redacted] | [Redacted] | 37786696 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-11-02): Received UCDP. Exception cleared. Buyer Comment (2026-10-29): Please see attached UCDP with scores below [redacted] therefore secondary appraisal is not required. |
11/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 226508608 | [Redacted] | [Redacted] | 37787141 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement: E-Sign Consent Agreement is missing. | Reviewer Comment (2026-10-30): [redacted] received e-sign consent. Buyer Comment (2026-10-29): Please see attached eConsent effective [redacted] |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 226508608 | [Redacted] | [Redacted] | 37787189 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | No Closing Disclosure issued less than [redacted] days prior to closing and received by the borrower less than [redacted] business days prior to closing. | Reviewer Comment (2026-10-30): [redacted] received initial CD . Buyer Comment (2026-10-29): Please see attached ICD dated [redacted] |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||
| 226508608 | [Redacted] | [Redacted] | 37787190 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-10-30): [redacted] received a valid COC. Buyer Comment (2026-10-29): Please see attached COC and ICD. There was a fee for the borrowers increase in DTI that was absorbed by the company, see initial lock showing a points of [redacted] and updated lock showing [redacted] points. If you refer to the [redacted] page of the final lock, you will see on [redacted] there is a Profile change, this corresponds to the COC provided. Changes to lender credit made to keep loan compliant. No cure is required for lender credits. |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 226508753 | [Redacted] | [Redacted] | 37766691 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-10-19): Received final title. Cleared. |
10/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | XXXX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226508753 | [Redacted] | [Redacted] | 37768574 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | TheTitle Commitment reflects [redacted] mortgages (Sched B #[redacted], and #[redacted]) however the Closing Statement does not reflect any payoffs. Please provide evidence that the mortgages have been satisfied and will not have negative impact on final title policy. | Reviewer Comment (2026-10-19): Received final title. Cleared. Buyer Comment (2026-10-16): final title policy upld |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226508759 | [Redacted] | [Redacted] | 37763003 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-07): Sufficient Cure Provided At Closing |
10/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226508761 | [Redacted] | [Redacted] | 37771461 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-10-12): Document provided Buyer Comment (2026-10-08): Compliance Report |
10/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226508763 | [Redacted] | [Redacted] | 37765272 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of Non-US Citizen Status was not found in file. | Reviewer Comment (2026-10-29): Received required documentation. Condition cleared. Buyer Comment (2026-10-27): N/A Loan is approved on the [redacted]/[redacted] program. Proof of [redacted] found in[redacted] |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226508763 | [Redacted] | [Redacted] | 37765577 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement was not found in file. | Reviewer Comment (2026-10-29): Received required documentation. Condition cleared. Buyer Comment (2026-10-27): Please see attached eConsent |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226508763 | [Redacted] | [Redacted] | 37765588 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-10-29): Received required documentation. Condition cleared. Buyer Comment (2026-10-27): Waterfall to condition [redacted] |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226508763 | [Redacted] | [Redacted] | 37765589 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Reviewer Comment (2026-10-29): Received required documentation. Condition cleared. Buyer Comment (2026-10-27): Please note the appraisal that current is dated [redacted] and sent to the borrower on [redacted] was initially completed and signed [redacted]. The original appraisal has been attached. There was a clerical correction on for the contract date and the correction was made on [redacted]. Appraisals with clerical corrections only do not have to be provided within [redacted] days prior to consummation. Proof the original appraisal was sent to the borrower on [redacted] is found in[redacted]. The [redacted] appraisal dated [redacted] was provided more than [redacted] days prior to consummation and verification it was sent to borrower is also found in[redacted] |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226508763 | [Redacted] | [Redacted] | 37765591 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-07): Sufficient Cure Provided At Closing |
10/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226508763 | [Redacted] | [Redacted] | 37765592 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-07): Sufficient Cure Provided At Closing |
10/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226508763 | [Redacted] | [Redacted] | 37765593 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-07): Sufficient Cure Provided At Closing |
10/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226508763 | [Redacted] | [Redacted] | 38015145 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of revised valuation to applicant [redacted] business days prior to consummation. Revised valuation reflects clerical change only, no impact to compliant HPML determination. | Buyer Comment (2026-10-30): Ok to Waive/ Auto Waive per Auto Approve list. |
10/30/2026 | No | 2 | B | B | B | B | B | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226508820 | [Redacted] | [Redacted] | 37792322 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy amount of $[redacted] is less than the Note amount of $[redacted] | Reviewer Comment (2026-10-19): Received update. Cleared. Buyer Comment (2026-10-16): policy upld |
10/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226508820 | [Redacted] | [Redacted] | 37792323 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final Title Policy is not provided in the file. | Reviewer Comment (2026-10-19): Received short form ; Cleared. |
10/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226508820 | [Redacted] | [Redacted] | 37792344 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-10-19): Received clarification/approval/documentation from lender. Condition cleared. Detached condo Buyer Comment (2026-10-15): please cancel, this is a detached condo, not required |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226508837 | [Redacted] | [Redacted] | 37765268 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-07): Sufficient Cure Provided At Closing |
10/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NM | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226508837 | [Redacted] | [Redacted] | 37765269 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-07): Sufficient Cure Provided At Closing |
10/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NM | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226508837 | [Redacted] | [Redacted] | 37766582 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance or Sufficient Lender Cure was provided to the borrower. | Reviewer Comment (2026-10-07): Cured at closing or within [redacted] days of consummation prior to TPR review |
10/07/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NM | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226508837 | [Redacted] | [Redacted] | 37766583 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance or Sufficient Lender Cure was provided to the borrower. | Reviewer Comment (2026-10-07): Cured at closing or within [redacted] days of consummation prior to TPR review |
10/07/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NM | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226508875 | [Redacted] | [Redacted] | 37768004 | Credit | Guideline | Guideline Issue | Guideline | The subject property closed as investment property, non-warrantable condo with a LTV > [redacted]%, which is not permitted by guides. | LTV: ___ | The [redacted]/file indicates there is an approved lender exception. The lender exception form, approval and compensating factors was not located in the file. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-30): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-28): Please see attached Exception. [redacted]% LTV is approved. |
10/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | SC | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| 226508905 | [Redacted] | [Redacted] | 37772464 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-30): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-28): Please see attached Lender Exception. |
10/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | KY | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226508905 | [Redacted] | [Redacted] | 37772465 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-30): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-28): Please see attached Lender Exception. |
10/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | KY | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226508905 | [Redacted] | [Redacted] | 37774999 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted]/file indicates there is an approved lender exception for [redacted]% LTV for a loan amount above $[redacted]MM. However, the lender exception form, approval and compensating factors were not located in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-30): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-28): Please see attached Lender Exception. |
10/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | KY | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226508905 | [Redacted] | [Redacted] | 37775666 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Loan amount: $[redacted] Coverage amount: $[redacted] The policy provided does not indicate a coverage amount. | Reviewer Comment (2026-10-30): Document provided Buyer Comment (2026-10-28): lease see attached policy showing Dwelling Coverage [redacted] |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226509749 | [Redacted] | [Redacted] | 37768146 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient. Require verification of policy with sufficient coverage OR copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-10-19): Dec page states replacement Buyer Comment (2026-10-16): policy on page [redacted] indicates RCE |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226510292 | [Redacted] | [Redacted] | 37772139 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOE was not found in file. | Reviewer Comment (2026-10-16): VVOE provided Buyer Comment (2026-10-15): vvoe |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 226510292 | [Redacted] | [Redacted] | 37772266 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | VVOE was not found in file. | Reviewer Comment (2026-10-20): [redacted] received initial CD. Buyer Comment (2026-10-19): see[redacted] pg [redacted] Reviewer Comment (2026-10-16): Document not provided Buyer Comment (2026-10-16): initial cd Reviewer Comment (2026-10-16): [redacted] received rebuttal, however CD [redacted] is located in file. Please provide the CD issued to borrower prior to consummation for review or documentation the final CD was provide to borrower [redacted] business days prior to review. Buyer Comment (2026-10-15): see uploaded |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||
| 226510292 | [Redacted] | [Redacted] | 37772357 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | VVOE was not found in file. | Reviewer Comment (2026-10-16): VVOE provided Buyer Comment (2026-10-15): see uploaded |
10/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 226510292 | [Redacted] | [Redacted] | 37772358 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | VVOE was not found in file. | Reviewer Comment (2026-10-16): VVOE provided Buyer Comment (2026-10-15): see uploaded |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 226510292 | [Redacted] | [Redacted] | 37772359 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | VVOE was not found in file. | Reviewer Comment (2026-10-20): Received post closing VVOE. Buyer Comment (2026-10-19): see[redacted] pg [redacted] Reviewer Comment (2026-10-16): Document not provided Buyer Comment (2026-10-15): see uploaded |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 226510292 | [Redacted] | [Redacted] | 37772360 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | VVOE was not found in file. | Reviewer Comment (2026-10-16): VVOE provded Buyer Comment (2026-10-15): see uploaded |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 226510292 | [Redacted] | [Redacted] | 37772361 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | VVOE was not found in file. | Reviewer Comment (2026-10-16): VVOE provided |
10/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 226510292 | [Redacted] | [Redacted] | 37772366 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VVOE was not found in file. | Reviewer Comment (2026-10-16): VVOE provided Buyer Comment (2026-10-15): see uploaded |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 226510292 | [Redacted] | [Redacted] | 37772381 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification of Employment is not within [redacted] business days of the Note. | Reviewer Comment (2026-10-20): Received post closing VVOE. Per client, redesignate loan to SHQM apor. Buyer Comment (2026-10-20): vvoe Buyer Comment (2026-10-20): please re-designate loan to QM [redacted] APOR Reviewer Comment (2026-10-16): Verification of Employment within [redacted] business days of the Note for [redacted]was not located please upload or provide Doc# Buyer Comment (2026-10-15): see uploaded |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 226510292 | [Redacted] | [Redacted] | 37772383 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification of Employment is not within [redacted] business days of the Note. | Reviewer Comment (2026-10-16): VVOE provided Buyer Comment (2026-10-15): see uploaded |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 226510292 | [Redacted] | [Redacted] | 37876837 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-10-20): Received post closing VVOE. Per client, redesignate loan to SHQM Buyer Comment (2026-10-20): please re-designate loan to QM [redacted] APOR |
10/20/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||||||||
| 226510292 | [Redacted] | [Redacted] | 37918682 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Per client, redesignate loan to SHQM | Buyer Comment (2026-10-22): Waiver ok |
10/22/2026 | No | 2 | A | B | B | B | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 226510650 | [Redacted] | [Redacted] | 37788000 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Per lender guides, Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address [redacted], however this is missing from the file. | Reviewer Comment (2026-10-14): Received required documentation. Condition cleared. Buyer Comment (2026-10-13): the unanimous consent is on [redacted], it is acceptable reflecting a loan amount higher than the actual loan amount. |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226511262 | [Redacted] | [Redacted] | 37771550 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted], #[redacted] and #[redacted] reflects mortgages with outstanding balances in the amount of $tbd. Seller's HUD [redacted] does not reflect payoff of mortgage lien and municipal liens. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-10-13): Cleared. Received correspondence from title company stating that all items have been satisfied. Buyer Comment (2026-10-12): title email confirming all items have been satisfied |
10/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226511264 | [Redacted] | [Redacted] | 37783592 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Risk Report. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Risk Report Fee $[redacted] was changed to $[redacted] File does not contain a valid COC for this fee, nor evidence of cure. | Reviewer Comment (2026-10-09): Cured at closing or within [redacted] days of consummation prior to TPR review |
10/09/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226511403 | [Redacted] | [Redacted] | 37783284 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | The disclosed Finance Charge in the amount of $[redacted] is under-disclosed by $[redacted] | Reviewer Comment (2026-10-15): [redacted] received LOE. Buyer Comment (2026-10-14): title email upld confirming $[redacted] tac cert/tax hold back is a one time fee, please see final ss on [redacted]and remove from finance charges |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226511414 | [Redacted] | [Redacted] | 37770653 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not found in file. | Reviewer Comment (2026-10-15): Hazard Insurance Policy - cleared Buyer Comment (2026-10-15): hoi, rce and confirm of replace cost upld |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226511414 | [Redacted] | [Redacted] | 37773369 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | File is missing the final signed/stamped HUD. | Reviewer Comment (2026-10-19): Received HUD. Cleared. Buyer Comment (2026-10-16): cert copy of final ss upld |
10/19/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226511414 | [Redacted] | [Redacted] | 37774097 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | A copy of the deed transferring the property to the borrowing entity is missing. The title does not indicate the correct proposed buyer. | Reviewer Comment (2026-10-15): Deed transferring the property to the borrowing entity, cleared Buyer Comment (2026-10-15): deed upld |
10/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226511423 | [Redacted] | [Redacted] | 37840714 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: DSCR | Reviewer Comment (2026-10-29): DSCR is now in line. Cleared. Reviewer Comment (2026-10-29): DD is unable to disregard the HO6 policy. Condition remains. Buyer Comment (2026-10-29): Hello, There appears to be some confusion regarding this issue, and I would like to clarify [redacted]'s position. [redacted] is not requesting that any information in the loan file be disregarded. In fact, our position is quite the opposite. The insurance coverage in question is optional, not required, and should be evaluated accordingly rather than treated as an additional mandatory insurance expense. The condominium association's master insurance policy provides walls-in coverage, including betterments and improvements. This coverage is supported by the endorsements included in the master policy, as well as written confirmation from the insurance agent. Since the master policy satisfies the applicable insurance requirements, a separate HO-6 policy is not required. Any HO-6 coverage obtained by the borrower would therefore be considered optional supplemental insurance rather than a mandatory expense. As such, the premium for this optional coverage should not be included in the borrower's debt obligations when calculating DTI or evaluating DSCR. Additionally, the required homeowners insurance coverage is already provided through the condominium association's master policy, with the associated premium included in the borrower's HOA dues. Based on the documentation provided, we believe the insurance requirements have been satisfied and that the optional HO-6 premium should not negatively impact the loan's DTI or DSCR calculation. Please review the policy endorsements and the insurance agent's confirmation and let us know if there is a specific guideline or investor requirement that would support a different determination. Thank you. Reviewer Comment (2026-10-23): Exception has been elevated. DD is unable to disregard documentation provided in the file. Buyer Comment (2026-10-21): Per the [redacted] Guidelines, condominium insurance requirements defer to [redacted] guidelines. [redacted] Selling Guide [redacted]-[redacted], Property Insurance Requirements for Individual Units in a Project Development, specifies the circumstances under which an individual unit-owner insurance policy is required. When the condominium association's master policy adequately covers the unit interior and improvements, and no per-unit deductible triggers the individual policy requirement, an HO-[redacted] policy may not be required. Based on the master policy coverage provided for this loan, the borrower's individual HO-[redacted] policy appears to be supplemental coverage rather than a requirement under the applicable condominium insurance guidelines. Please review the master policy and applicable Signature Expanded requirements to confirm whether the optional monthly HO-[redacted] premium must be included in PITIA. If inclusion is required, please provide the specific guideline supporting this determination. Thank you for your review. Buyer Comment (2026-10-21): Per the [redacted] Guidelines, condominium insurance requirements defer to [redacted] guidelines. [redacted] Selling Guide [redacted]-[redacted], Property Insurance Requirements for Individual Units in a Project Development, specifies the circumstances under which an individual unit-owner insurance policy is required. When the condominium association's master policy adequately covers the unit interior and improvements, and no per-unit deductible triggers the individual policy requirement, an HO-[redacted] policy may not be required. Based on the master policy coverage provided for this loan, the borrower's individual HO-[redacted] policy appears to be supplemental coverage rather than a requirement under the applicable condominium insurance guidelines. Please review the master policy and applicable Signature Expanded requirements to confirm whether the monthly HO-[redacted] premium must be included in PITIA. If inclusion is required, please provide the specific guideline supporting this determination. Thank you for your review. Reviewer Comment (2026-10-21): Unable to disregard documentation in the file. Exception remains. Buyer Comment (2026-10-19): [redacted] respectfully disagrees, H06 is different than traditional hazard insurance. Per [redacted] Guidelines, condo insurance defer to [redacted], which states H06 not required when Master Policy is Walls-in. Please remove from PITIA and updated DSCR to reflect [redacted] Reviewer Comment (2026-10-19): We are at .[redacted] DSCR. This is due to the Insurance, we cant disregard it we have to include it. Buyer Comment (2026-10-15): Master Policy; LOX Buyer Comment (2026-10-15): [redacted] respectfully disagrees with [redacted]'s DSCR designation. Upon further review, [redacted] is miscalculating escrows for subject property. Per Master Policy, subject property includes Walls-In & Ordinance of Law Coverage. As such, HO6 policy is supplemental and does not need to be included in PITIA. To support, attached please find Master Policy and Email thread supporting from HOA. Correct PITA: $[redacted] $[redacted] / $[redacted] = [redacted] Please review and correct [redacted] |
10/29/2026 | No | 1 | A | A | A | A | A | SC | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 226511461 | [Redacted] | [Redacted] | 37785277 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Initial rate lock date not provided. | Reviewer Comment (2026-10-19): Received rate lock. Cleared. Reviewer Comment (2026-10-19): The file is missing the initial rate lock that is required. Seller Comment (2026-10-13): not sure what you're asking but please see rate lock |
10/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 226511461 | [Redacted] | [Redacted] | 37785352 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy effective date is [redacted], which is after the Disbursement Date [redacted]. Please provide evidence that hazard insurance coverage was in effect on or before the Note date/disbursement date. | Reviewer Comment (2026-10-19): Received post closing CD with correct disbursement date. Cleared. Seller Comment (2026-10-16): SEE CORRECT PCCD |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 226511660 | [Redacted] | [Redacted] | 37795753 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [redacted] Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Loan: Mortgage does not contain a legend stating that the [redacted] loan is subject to Section [redacted]-m of the [redacted] Law. | Buyer Comment (2026-11-02): waived per CNR - settlement priority |
11/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226511660 | [Redacted] | [Redacted] | 37795754 | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Greater than [redacted] Year ARM Non-Compliant | [redacted] Loan: APR on subject loan of [redacted]% is in excess of allowable threshold of [redacted] Mortgage Market Rate [redacted]% + [redacted]%, or [redacted]%. Non-Compliant SubPrime Loan. | Buyer Comment (2026-11-02): waived per CNR - settlement priority |
11/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226511660 | [Redacted] | [Redacted] | 37795755 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [redacted] Subprime Loan (Notice of Taxes and Insurance Not Provided) | [redacted] Loan: Borrower not provided with Notice of Taxes and Insurance on [redacted] lien, [redacted] loan. | Buyer Comment (2026-11-02): waived per CNR - settlement priority |
11/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 226511664 | [Redacted] | [Redacted] | 37798022 | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines | [redacted] trade lines and a credit history covering < [redacted]-month history and active requirement per guidelines. Borrower is a FTHB. Authorized user accounts may not be utilized to satisfy this requirement. Additional requirement may apply. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-21): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-10-21): Lender exception approval provded for Borrower does not meet theminimym tradeline requiements. Buyer Comment (2026-10-20): exception |
10/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TN | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226511664 | [Redacted] | [Redacted] | 37798269 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Please provide evidence that collection for $[redacted] has been paid and with zero balance. Additional requirement may apply. | Reviewer Comment (2026-10-21): Per guidelines, Open collections and charge offs may be left open at underwriter's discretion. Buyer Comment (2026-10-20): The collection did not need to be paid off as this was medical debt |
10/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TN | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226511766 | [Redacted] | [Redacted] | 37793696 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted] reflects a Lender exception however the approval document is not located in the file. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] | Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC | Reviewer Comment (2026-10-20): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-19): exception |
10/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 226512346 | [Redacted] | [Redacted] | 37790197 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-09): Sufficient Cure Provided At Closing |
10/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226512346 | [Redacted] | [Redacted] | 37790198 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-09): Sufficient Cure Provided At Closing |
10/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226512643 | [Redacted] | [Redacted] | 37790386 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-09): Sufficient Cure Provided At Closing |
10/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226519469 | [Redacted] | [Redacted] | 37790525 | Credit | Missing Document | General | Missing Document | Missing Document: HELOC Agreement not provided | HELOC Agreement/Note was not found in file. | Reviewer Comment (2026-11-04): Received Final Settlement Statement reflects Cashout Proceeds as $[redacted] to qualify Secured Borrowed Funds. Net Proceeds $[redacted] ($[redacted] - $[redacted]) qualified to meet Asset requirements. Exception cleared. Buyer Comment (2026-11-02): Please see attached FSS from refinance of Primary home for funds to close subject transaction. |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226519469 | [Redacted] | [Redacted] | 37791797 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Missing OFAC for business entity. | Reviewer Comment (2026-11-02): OFAC for business entity, cleared Buyer Comment (2026-10-30): Please see attached updated fraud report with OFAC completed on [redacted] |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226519469 | [Redacted] | [Redacted] | 37791835 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Missing evidence of secured loan proceeds of $[redacted] | Reviewer Comment (2026-11-04): Received Final Settlement Statement reflects Cashout Proceeds as $[redacted] Net Proceeds $[redacted] ($[redacted] - $[redacted]) qualified to meet Asset requirements. Exception cleared. Buyer Comment (2026-11-02): Please see attached FSS from refinance of Primary home for funds to close subject transaction. |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226519469 | [Redacted] | [Redacted] | 37791837 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Missing evidence of secured loan proceeds of $[redacted] | Reviewer Comment (2026-11-04): Received Final Settlement Statement reflects Cashout Proceeds as $[redacted] Net Proceeds $[redacted] ($[redacted] - $[redacted]) qualified to meet Asset requirements. Exception cleared. Buyer Comment (2026-11-02): Please see attached FSS from refinance of Primary home for funds to close subject transaction. |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226519470 | [Redacted] | [Redacted] | 37787789 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-10-21): Cleared. Received CDA Buyer Comment (2026-10-19): see [redacted] pg [redacted] which is the CDA |
10/21/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | SC | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||||
| 226519470 | [Redacted] | [Redacted] | 37787794 | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided | Comparable rent schedule not provided in provided. | Reviewer Comment (2026-10-21): Not required. Buyer Comment (2026-10-19): We aren't using rental income so this is not required |
10/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 226519595 | [Redacted] | [Redacted] | 37787318 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-09): Sufficient Cure Provided At Closing |
10/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226519602 | [Redacted] | [Redacted] | 37787722 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is not provided. | Reviewer Comment (2026-10-20): Hazard Insurance Policy provided and associated. Exception cleared Buyer Comment (2026-10-16): hoi upld |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | B | C | B | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 226519602 | [Redacted] | [Redacted] | 37787728 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-10-20): UCDP provided and associated. Exception cleared Buyer Comment (2026-10-16): ucdp upld, cu score is under [redacted], no [redacted] valuation required |
10/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Cash-out - Other | D | B | C | B | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 226519602 | [Redacted] | [Redacted] | 37787730 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing. | Reviewer Comment (2026-10-20): E-Sign Consent Agreement provided and associated. Exception cleared Buyer Comment (2026-10-16): proof econsent accepted upld |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | B | C | B | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 226519602 | [Redacted] | [Redacted] | 37787766 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. | The file is missing a valid Change of Circumstance for Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-19): [redacted] received a valid COC. Buyer Comment (2026-10-16): all lender exceptions upld [redacted]g with the [redacted] cd and tracking, the valid coc is on [redacted], the lender credit reduced due to an uw exception |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | B | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 226519602 | [Redacted] | [Redacted] | 37787767 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The file is missing a valid Change of Circumstance for Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-19): [redacted] received a valid COC. Buyer Comment (2026-10-16): [redacted] lock upld, valid coc is on [redacted] and the cd/tracking was uploaded to previous cond. |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | B | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 226519602 | [Redacted] | [Redacted] | 37787768 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The file is missing a valid Change of Circumstance for Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-27): [redacted] received CD and a valid COC. Buyer Comment (2026-10-26): [redacted] cd, tracking, coc and locks upd Reviewer Comment (2026-10-19): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. ([redacted]) Reviewer Comment (2026-10-19): [redacted] received COC. However, the fee increased on CD dated [redacted] for $[redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-10-16): [redacted] cd/tracking and lock upld, the valid coc is on [redacted] |
10/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | B | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 226519602 | [Redacted] | [Redacted] | 37793183 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted] reflects an exception approval however the lender exception approval is not located in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]mo CPA P&L Disposable Income: $[redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-20): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-10-20): Lender exception approval provided for minimum credit score for P&L is [redacted], borrower's FICO is [redacted] Buyer Comment (2026-10-16): all exception aprvls uploaded to previous condition. |
10/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | D | B | C | B | C | A | D | A | Non QM | Non QM | No | ||||||||
| 226519602 | [Redacted] | [Redacted] | 37903945 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided for unacceptable property type. WAter source is a shared spring and noted to not be common and located on an adjacent property. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]mo CPA P&L Disposable Income: $[redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-20): Client elects to downgrade and waive with compensating factors. |
10/20/2026 | Yes | 2 | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | D | B | C | B | C | A | D | A | Non QM | Non QM | No | |||||||||||||
| 226519602 | [Redacted] | [Redacted] | 37903959 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided for unacceptable property type. Properties which are stituated on morre than [redacted] limited to primary purchase transaction. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]mo CPA P&L Disposable Income: $[redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-20): Client elects to downgrade and waive with compensating factors. |
10/20/2026 | Yes | 2 | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | D | B | C | B | C | A | D | A | Non QM | Non QM | No | |||||||||||||
| 226519607 | [Redacted] | [Redacted] | 37788547 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Loan is non-compliant HPML due to missing evidence of Appraisal delivery [redacted] days prior to closing. | Reviewer Comment (2026-10-19): D[redacted] provided and updated Buyer Comment (2026-10-16): appraisal delivery |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226519607 | [Redacted] | [Redacted] | 37788548 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each Valuation to applicant [redacted] business days prior to consummation. | Reviewer Comment (2026-10-19): D[redacted] provided and updated Buyer Comment (2026-10-16): see uploaded |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226519765 | [Redacted] | [Redacted] | 37795715 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [redacted] Subprime Loan (Counseling Disclosure Not Provided at Application but within Three Days) | [redacted] Loan: Counseling Disclosure not provided to borrower at the time of application, but within [redacted] days of application. | Counseling Disclosure was not provided to the borrower at the time of application. | Reviewer Comment (2026-10-27): Cleared. Updated state [redacted] Buyer Comment (2026-10-23): counseling disclosure Reviewer Comment (2026-10-20): The EV2-B exception can be waived which has no bearing on the loan being compliant. Buyer Comment (2026-10-19): is something needed for this? or is this informational? |
10/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | No obvious cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 226519765 | [Redacted] | [Redacted] | 37795716 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [redacted] Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section [redacted]-m of the Banking Law. | Mortgage does not contain a legend stating that the [redacted] Loan is subject to Section [redacted]-m of the [redacted]. | Buyer Comment (2026-10-23): ok to waive |
10/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226519765 | [Redacted] | [Redacted] | 37795717 | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Non-Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [redacted] + [redacted]%, or [redacted]%. Non-Compliant SubPrime Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of the allowable threshold of [redacted] Mortgage Market Rate [redacted] + [redacted]%, or [redacted]%. Non-Compliant [redacted] Loan. | Buyer Comment (2026-10-23): ok to waive |
10/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226519765 | [Redacted] | [Redacted] | 37795905 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Gift Letter is not dated. | Reviewer Comment (2026-10-27): Gift Letter received and associated. Exception cleared. Buyer Comment (2026-10-26): gift letter Reviewer Comment (2026-10-20): The Gift Letter is required to be dated per ATR requirements. Buyer Comment (2026-10-19): there is no [redacted] requirements for a date to be on the gift letter |
10/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226519765 | [Redacted] | [Redacted] | 37795910 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Gift Letter is not dated. | Reviewer Comment (2026-10-27): Gift Letter received and associated. Exception cleared. Buyer Comment (2026-10-26): see uploaded Reviewer Comment (2026-10-20): The Gift Letter is required to be dated per ATR requirements. Buyer Comment (2026-10-19): there is no [redacted] requirements for a date to be on the gift letter |
10/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226519765 | [Redacted] | [Redacted] | 37796300 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Gift Letter is not dated. | Reviewer Comment (2026-10-27): Gift Letter received and associated. Exception cleared. Buyer Comment (2026-10-26): see uploaded Reviewer Comment (2026-10-20): The Gift Letter is required to be dated per ATR requirements. Buyer Comment (2026-10-19): there is no [redacted] requirements for a date to be on the gift letter |
10/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226519765 | [Redacted] | [Redacted] | 37796301 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Gift Letter is not dated. | Reviewer Comment (2026-10-27): Gift Letter received and associated. Exception cleared. Buyer Comment (2026-10-26): see uploaded Reviewer Comment (2026-10-20): The Gift Letter is required to be dated per ATR requirements. Buyer Comment (2026-10-19): there is no [redacted] requirements for a date to be on the gift letter |
10/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226519765 | [Redacted] | [Redacted] | 37796302 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Gift Letter is not dated. | Reviewer Comment (2026-10-27): Gift Letter received and associated. Exception cleared. Buyer Comment (2026-10-26): see uploaded Reviewer Comment (2026-10-20): The Gift Letter is required to be dated per ATR requirements. Buyer Comment (2026-10-19): there is no [redacted] requirements for a date to be on the gift letter |
10/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226519772 | [Redacted] | [Redacted] | 37794031 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing Final HUD/CD in the Loan File. | Reviewer Comment (2026-10-20): Received final statement. Cleared. Buyer Comment (2026-10-16): cert copy of fss upld |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226520170 | [Redacted] | [Redacted] | 37784284 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Approval is missing in file. | Reviewer Comment (2026-10-15): document provided and updated Seller Comment (2026-10-15): attached is the conditional approval Seller Comment (2026-10-14): [redacted] attached |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226524910 | [Redacted] | [Redacted] | 37794504 | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. | The Final Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Commitment in file disclosed $[redacted] of title insurance coverage; however, this is less than the loan amount of $[redacted] Provide a copy of the Final Title Policy or an addendum to the Title Preliminary/Commitment Report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-10-14): Title commitment with sufficient coverage, cleared Buyer Comment (2026-10-14): Please see attached updated title. |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226524913 | [Redacted] | [Redacted] | 37806531 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement not provided for property located at [redacted]. | Reviewer Comment (2026-10-20): Document provided Buyer Comment (2026-10-16): note/cd upld |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 226524913 | [Redacted] | [Redacted] | 37806554 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing. | Reviewer Comment (2026-10-20): Document provided Buyer Comment (2026-10-16): see cert on [redacted] |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 226524913 | [Redacted] | [Redacted] | 37807722 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted]/file indicates there is an approved lender exception. The lender exception form, approval and compensating factors was not located in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-20): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-16): except aprvl upld |
10/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226524913 | [Redacted] | [Redacted] | 37808347 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | DTI variance. Lenders DTI: [redacted]%. Review DTI: [redacted]%. Variance is due to lender not considering monthly taxes and insurance of $[redacted] into their PITI calculation. | Reviewer Comment (2026-10-22): Received required documentation. Condition cleared. Buyer Comment (2026-10-20): Updated [redacted]/[redacted] ...bid tape is withing tolerance Reviewer Comment (2026-10-20): DTI variance. Lenders DTI: [redacted]%. Review DTI: [redacted]%. Variance is due to lender not considering monthly taxes and insurance of $[redacted] into their PITI calculation for subject property. Buyer Comment (2026-10-16): please clarify what property you are referring to |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 226524913 | [Redacted] | [Redacted] | 37809919 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Insurance Verification, Statement, Statement, Tax Verification for [redacted] | Reviewer Comment (2026-10-21): Mortgage statement provided. Exception cleared. Buyer Comment (2026-10-20): Escrowed T&I , mortgage statement and credit supplement |
10/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 226524913 | [Redacted] | [Redacted] | 37945732 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender exception approved for fico score does not meet the minimum required. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-22): Client elects to waive with compensating factors. |
10/22/2026 | Yes | 2 | B | B | B | B | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| 226524915 | [Redacted] | [Redacted] | 37811357 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | The earliest disclosure provided was issued on [redacted], which is more than [redacted] business days past the application date of [redacted]. | Reviewer Comment (2026-10-28): Cleared. Receive disclosure tracking Buyer Comment (2026-10-26): tracking uploaded showing initial disclosures were sent [redacted], bwr signed [redacted] |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226524915 | [Redacted] | [Redacted] | 37811881 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $[redacted] on the initial Loan Estimate but was disclosed as $[redacted] on the final Closing Disclosure. A valid change of circumstance is not provided for the fee increase and no evidence of tolerance cure is provided. | Reviewer Comment (2026-10-27): [redacted] Received Valid COC dated [redacted] [redacted]g with supporting comments on the exception and document. Buyer Comment (2026-10-26): appraiser notification upld showing fee increased on [redacted] due to large custom guest quarters, le is on [redacted], valid coc is on [redacted] |
10/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226524935 | [Redacted] | [Redacted] | 37798218 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per lender guides, the following is required for use of business accounts for Invest Group.: A CPA letter indicating the use of business funds will not affect business operations or a recent [redacted] month cash flow analysis for each business account used. | Reviewer Comment (2026-10-16): Documents provided and loan in doc images Seller Comment (2026-10-13): Per the transactions shown on the [redacted] bank statement #[redacted], the funds to close originated from both the borrower's business, [redacted], and the borrower's individual personal account. Accordingly, a letter was obtained from the borrower's accountant confirming that the use of these funds will not negatively impact the operations of [redacted], see attached. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226524935 | [Redacted] | [Redacted] | 37798232 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | The initial rate lock is missing from the file. | Reviewer Comment (2026-10-16): Documents provided and loan in doc images Seller Comment (2026-10-13): This is a business-purpose investment property loan. It is exempt from TRID, RESPA, and other consumer disclosure rules, as shown in the Certification of Business Purpose signed by the borrower. A rate lock is not required, and none was issued. The loan was originated for portfolio, and the rate and terms were set by the executed Commitment Letters. The initial terms were set [redacted] at [redacted]%. That commitment expired, and final terms were set at closing on [redacted] at [redacted]%. Both letters were attached for your reference. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226533806 | [Redacted] | [Redacted] | 37795121 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment (2026-11-02): Final Title Policy with sufficient coverage, cleared |
11/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 226533806 | [Redacted] | [Redacted] | 37795123 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-11-02): Final Title Policy with sufficient coverage, cleared Buyer Comment (2026-11-02): Please see attached. |
11/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 226537327 | [Redacted] | [Redacted] | 37796830 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | CPA Letter is provided, however there is no statement from the CPA that use of funds will not negatively impact the business. Lender exception approved for waiving the CPA letter stating the use of business funds will not affect the business operations. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-19): Client elects to waive with compensating factors. Buyer Comment (2026-10-13): Exception |
10/19/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 226537327 | [Redacted] | [Redacted] | 37796842 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing CPA statement. | Reviewer Comment (2026-10-19): Received lender exception to waive the Access letter for business funds. Cleared. Buyer Comment (2026-10-13): Exception |
10/19/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226537327 | [Redacted] | [Redacted] | 37796844 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Missing statement from CPA that use of business funds will have negative impact. | Reviewer Comment (2026-10-19): Received lender exception to waive the Access letter for business funds. Cleared. Buyer Comment (2026-10-13): Exception |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226539034 | [Redacted] | [Redacted] | 37833478 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) XXXX Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Buyer Comment (2026-11-02): waived per CNR |
11/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | XXXX | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 226539034 | [Redacted] | [Redacted] | 37833479 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. | Buyer Comment (2026-11-02): waived per CNR |
11/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | XXXX | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 226539034 | [Redacted] | [Redacted] | 37833480 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-Inspection Fee increased to $[redacted] without a valid Change of Circumstance; Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-14): Sufficient Cure Provided At Closing |
10/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | XXXX | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226539034 | [Redacted] | [Redacted] | 37840294 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower is a non-permanent resident alien with EAD category [redacted]- which guides state [redacted] | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] |
SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC SitusAMC |
Reviewer Comment (2026-10-15): Client elects to waive with compensating factors. |
10/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | XXXX | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||
| 226539039 | [Redacted] | [Redacted] | 37809976 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement not provided. | Reviewer Comment (2026-10-29): Received required documentation. Condition cleared. Buyer Comment (2026-10-27): see XXXX on [redacted] |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226539039 | [Redacted] | [Redacted] | 37810151 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall effect due to recent Lease Agreement not provided. | Reviewer Comment (2026-10-29): Received required documentation. Condition cleared. Buyer Comment (2026-10-27): see XXXX on [redacted] |
10/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226539039 | [Redacted] | [Redacted] | 37810152 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | Recent Lease Agreement not provided. | Reviewer Comment (2026-10-29): Received required documentation. Condition cleared. Buyer Comment (2026-10-27): see XXXX on [redacted] |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226539039 | [Redacted] | [Redacted] | 37810153 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | Waterfall effect due to recent Lease Agreement not provided. | Reviewer Comment (2026-10-29): Received required documentation. Condition cleared. |
10/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | XXXX | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226539039 | [Redacted] | [Redacted] | 37999886 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-28): Sufficient Cure Provided At Closing |
10/28/2026 | No | 1 | A | A | A | A | A | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226539524 | [Redacted] | [Redacted] | 37811830 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee disclosed as $[redacted] on the initial Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. A valid change of circumstance was not provided for fee increase(s). | Reviewer Comment (2026-10-20): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-10-19): Cure Docs |
10/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226539669 | [Redacted] | [Redacted] | 37828927 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request for assisted living on a primary rate and term as they are unacceptable property types per guidelines is approved. Per disposition, max [redacted]% LTV, maximum [redacted]% DTI. Subject to appraisal confirming subject is primary residence in nature with no modifications impacting value. Borrower to provide LOE confirming no medical care will take place, subject to a post-close inspection. No rent may be used for income. Provide evidence there are no regulatory restriction. Subject to meeting all other guideline requirements, | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC SitusAMC SitusAMC SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-10-14): Client elects to waive with compensating factors. |
10/14/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 226539669 | [Redacted] | [Redacted] | 37828939 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to borrower within [redacted] business days of application. | Reviewer Comment (2026-10-16): [redacted] received consent dated [redacted] Buyer Comment (2026-10-15): ITP [redacted] |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226539875 | [Redacted] | [Redacted] | 37826271 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reviewer Comment (2026-10-19): Additional reserves were provided. Cleared. Seller Comment (2026-10-15): Cash to close on HUD-1 line [redacted] is $[redacted] total already includes the [redacted] months reserves of $[redacted] listed on line [redacted] pg [redacted] of the HUD. The [redacted] reserve balance provides evidence of the [redacted] month reserves in the borrower's account. |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 226540261 | [Redacted] | [Redacted] | 37828409 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Rent Roll provided for subject property and [redacted] states subject has been recently leased, however the lease document was not found in the file. | Reviewer Comment (2026-10-28): Received lease Buyer Comment (2026-10-26): lease |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226540265 | [Redacted] | [Redacted] | 37836835 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-10-15): Sufficient Cure Provided At Closing |
10/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226540560 | [Redacted] | [Redacted] | 37809118 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception, which was approved, because the borrower is now a [redacted]% owner of the LLC, but the change occurred recently, which requires an exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-13): Client elects to downgrade and waive with compensating factors. |
10/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||
| 226540560 | [Redacted] | [Redacted] | 37809129 | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | - % of Business Ownership: ___ | Lender requested an exception, which was approved, for loan closing in an LLC, and the borrower is only a [redacted]% owner of the LLC. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-13): Client elects to downgrade and waive with compensating factors. |
10/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||
| 226540590 | [Redacted] | [Redacted] | 37828456 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-10-20): [redacted] received Valid COC dated [redacted] [redacted]g with lock and supporting comments on the exception. Buyer Comment (2026-10-19): See initial Lock. DTI changed. Valid reason. |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226540592 | [Redacted] | [Redacted] | 37925608 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - LTV | Reviewer Comment (2026-10-30): Sales price correct based on document, Exception cleared. Buyer Comment (2026-10-28): Hello [redacted] is using the incorrect Sales Price to calculate LTV - please see the attached Sales Contract and all addendums. Purchase Price is $[redacted] Loan amount is $[redacted] / $[redacted] = [redacted] x [redacted] = [redacted] % |
10/30/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226540656 | [Redacted] | [Redacted] | 37805769 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | Variance between DSCR is more than [redacted]. | Reviewer Comment (2026-10-25): Cleared. Received updated bid tape. Reviewer Comment (2026-10-25): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted]. Buyer Comment (2026-10-23): Good morning - [redacted] shows DSCR of [redacted]. Please review and clear condition Buyer Comment (2026-10-22): Good morning - [redacted] shows DSCR of [redacted]. Please review & clear condition Reviewer Comment (2026-10-21): Bid Tape not updated as of today Buyer Comment (2026-10-19): DSCR Calc Buyer Comment (2026-10-19): [redacted] has updated our bid tape to reflect [redacted]. Updated Bid tape will be sent in the next [redacted] hours. Uploaded please find corrected calculator |
10/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226545006 | [Redacted] | [Redacted] | 37828044 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification, Tax Verification documents were not provided for [redacted] property. | Reviewer Comment (2026-10-26): Received mortgage statement and letter that borrower lives rent free. Condition cleared. Buyer Comment (2026-10-22): Taxes and Insurance escrowed. |
10/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226545006 | [Redacted] | [Redacted] | 37833588 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-10-14): Sufficient Cure Provided At Closing |
10/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226545011 | [Redacted] | [Redacted] | 37833606 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate was not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to the borrower's consent to receive electronic disclosures. | Reviewer Comment (2026-10-28): [redacted] received earliest e-consent. Buyer Comment (2026-10-27): audit trail |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226545011 | [Redacted] | [Redacted] | 37833656 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reserves were not met. | Reviewer Comment (2026-10-29): Reserves met Buyer Comment (2026-10-27): Please follow AUS. Reserves were not required |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226545011 | [Redacted] | [Redacted] | 37833714 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to asset requirement not met. | Reviewer Comment (2026-10-29): Reserves Buyer Comment (2026-10-27): Please follow AUS. Reserves were not required |
10/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226545011 | [Redacted] | [Redacted] | 37833715 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall due to asset requirement not met. | Reviewer Comment (2026-10-29): Reserves Buyer Comment (2026-10-27): Please follow AUS. Reserves were not required |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226545031 | [Redacted] | [Redacted] | 37826473 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-11-03): Received corrected information. Cleared. Buyer Comment (2026-11-02): At the time of initial application [redacted] the subject property was TBD. [redacted] was not provided the address [redacted] |
11/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226545031 | [Redacted] | [Redacted] | 37829853 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | No evidence borrower was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the Loan Application Date. | Reviewer Comment (2026-11-03): Received corrected information. Cleared. Buyer Comment (2026-11-02): At the time of initial application [redacted] the subject property was TBD. [redacted] was not provided the address [redacted] |
11/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226545038 | [Redacted] | [Redacted] | 37823419 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD/Closing Disclosure document is missing in the loan file. | Reviewer Comment (2026-10-15): Document provided and updated Buyer Comment (2026-10-15): CD |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226545038 | [Redacted] | [Redacted] | 37823421 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Provided Hazard Insurance coverage is not covering the loan amount. Additional coverage is required in the file. | Reviewer Comment (2026-10-15): Replacement coverage listed on Dec page Buyer Comment (2026-10-14): Please advise. Subject is a condo and the HO6 + Master should be enough coverage. |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226545287 | [Redacted] | [Redacted] | 37823151 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | - | Spousal Consent form is missing in the file. | Reviewer Comment (2026-10-21): Cleared. Spouse signed security instrument. Buyer Comment (2026-10-21): a separate form is not required when they sign the mortgage. Them signing the mortgage is them consenting. Reviewer Comment (2026-10-21): [redacted] has living in community property state. Spousal consent form is required, Exception remains. Buyer Comment (2026-10-20): this is not required as they all signed the mortgage |
10/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226545293 | [Redacted] | [Redacted] | 37840827 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-15): Sufficient Cure Provided At Closing |
10/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226545298 | [Redacted] | [Redacted] | 37830402 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted]. a, [redacted].b.[redacted].c reflects judgments with outstanding balances in the amount of $TBD. Seller's HUD [redacted] does not reflect payoff of judgments. Please provide evidence all judgments have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-11-04): Received email confirmation from Title company stating judgments are not against seller. Exception cleared. Buyer Comment (2026-11-02): title email upld, please see title affidavit on [redacted] Reviewer Comment (2026-10-29): Please provide confirmation from title that the issues on title will not have negative impact on final title policy. Buyer Comment (2026-10-27): judgement & lien search upld |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226545299 | [Redacted] | [Redacted] | 37823340 | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., AirBnB) and evidence of at least [redacted] months of Operating History is not present in the loan file. | Subject Property is Short Term Rental. Please provide [redacted] Month Rental History to verify income. | Reviewer Comment (2026-10-29): Cleared. Received required document. Buyer Comment (2026-10-27): see [redacted] on [redacted] |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226545299 | [Redacted] | [Redacted] | 37823348 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Verification of Identification Document is missing in file. | Reviewer Comment (2026-10-29): Cleared. Received required document. Buyer Comment (2026-10-27): see patriot act forms on [redacted] & [redacted]. |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226545390 | [Redacted] | [Redacted] | 37937717 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] | Missing [redacted] Final. | Reviewer Comment (2026-10-29): Cleared. Received final [redacted] Buyer Comment (2026-10-27): Final [redacted] |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226546174 | [Redacted] | [Redacted] | 37868572 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception Requested: I am submitting this one for a [redacted] Exception for: Outstanding Critical Repairs (Balcony Railings being brought to code). |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]yr Full Doc Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-19): Lender Exception with Compensating Factors provided. |
10/19/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226546404 | [Redacted] | [Redacted] | 37874357 | Compliance | Compliance | State Compliance | State Defect | XXXX Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees) | [redacted] Residential Mortgage Lender, Broker and Servicer Act: No evidence in file to support that the borrower was charged the actual amounts for all third party fees. | Borrower not charged actual amount for third-party fees. | Reviewer Comment (2026-10-29): [redacted] received third party invoices and signed Final ALTA Settlement statement supporting third party fee amounts charged. Reviewer Comment (2026-10-29): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: [redacted] Residential Mortgage Lender, Broker and Servicer Act: Borrower not charged actual amount for third party fees. Reviewer Comment (2026-10-29): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-10-27): the final cd, final le and note confirm there is no violation, please advise what else you are needing to clear this |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226546479 | [Redacted] | [Redacted] | 37893028 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing in file. | Reviewer Comment (2026-11-02): E-sign consent document associated. Exception Cleared. Buyer Comment (2026-10-29): audit trail |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226546479 | [Redacted] | [Redacted] | 37895382 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-11-03): Doc #[redacted] dated [redacted] Buyer Comment (2026-10-30): see uploaded |
11/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226546479 | [Redacted] | [Redacted] | 37895383 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No evidence that borrower received a copy of appraisal at least [redacted] business days to closing. | Reviewer Comment (2026-11-03): Doc #[redacted] dated [redacted] Buyer Comment (2026-10-30): Appraisal delivery |
11/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226549145 | [Redacted] | [Redacted] | 37865046 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Assets were not provided in file. | Reviewer Comment (2026-10-29): Cleared. Received additional asset. Buyer Comment (2026-10-27): borrower has proceeds from a sale |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226549145 | [Redacted] | [Redacted] | 37875680 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[redacted] is less than Cash from Borrower $[redacted] | Reviewer Comment (2026-10-29): Cleared. Received additional asset. Buyer Comment (2026-10-27): borrower has proceeds from a sale |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226549494 | [Redacted] | [Redacted] | 37992368 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: LTV | Reviewer Comment (2026-10-29): Cleared. Updated purchase price Buyer Comment (2026-10-27): Addendum - purchase price Buyer Comment (2026-10-27): [redacted] respectfully disagrees with [redacted] LTV designation. Attached please find Addendum to contract changing purchase price to $[redacted] $[redacted] / $[redacted] = [redacted] ~ [redacted]% Please review and correct [redacted] |
10/29/2026 | No | 1 | A | A | A | A | A | OH | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 226549518 | [Redacted] | [Redacted] | 37866297 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Closing Disclosure for verification of assets was not found in the file. | Reviewer Comment (2026-10-30): Document provided and updated Buyer Comment (2026-10-28): final ss for proceeds from refi |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| 226549518 | [Redacted] | [Redacted] | 37868687 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception noted on [redacted] to allow large loan pack and mortgage lates. Conditions for [redacted] year PPP, Max [redacted]% LTV, and Min [redacted] DSCR. No Lender Exception documents were found in the file. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC | Reviewer Comment (2026-10-30): Lender Exception with Compensating Factors provided. Buyer Comment (2026-10-28): except aprvl upld |
10/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TN | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||
| 226549518 | [Redacted] | [Redacted] | 37871557 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Closing Disclosure for verification of assets was not found in the file. | Reviewer Comment (2026-10-30): Document provided Buyer Comment (2026-10-28): final ss for proceeds from refi upld to trl docs |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226549518 | [Redacted] | [Redacted] | 37876443 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | Closing Disclosure for verification of assets was not found in the file. | Reviewer Comment (2026-10-30): document provided and updated Buyer Comment (2026-10-28): final ss for proceeds from refi upld to trl docs |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| 226549582 | [Redacted] | [Redacted] | 37868454 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Closing Disclosure provided in file for verification of assets is missing the document date and is not fully executed. | Reviewer Comment (2026-11-05): Document provided Buyer Comment (2026-11-03): Please see attached. |
11/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226549586 | [Redacted] | [Redacted] | 37840483 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per lender guides and recent email, file requires either a recent [redacted] month cash flow analysis or a CPA letter indicating the use of business assets will not affect the business operations which is missing from the file. Lender exception approval to waive the cash flow analysis or CPA letter regarding use of assets. |
Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-21): Client elects to waive with compensating factors. Buyer Comment (2026-10-19): Exception Approval attached |
10/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CO | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 226549586 | [Redacted] | [Redacted] | 37840485 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per lender guides and recent email, file requires either a recent [redacted] month cash flow analysis or a CPA letter indicating the use of business assets will not affect the business operations which is missing from the file. Lender exception approval to waive the cash flow analysis or CPA letter regarding use of assets. |
Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-21): Client elects to waive with compensating factors. Buyer Comment (2026-10-20): Exception |
10/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CO | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 226549588 | [Redacted] | [Redacted] | 37897657 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | File is missing the final signed, dated or certified stamped CD from the sale of the departure residence. | Reviewer Comment (2026-11-02): Received signed and dated Closing statement. Exception Cleared. Buyer Comment (2026-10-29): signed ss upld |
11/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | D | A | A | A | D | A | A | A | Non QM | Non QM | No | |||||||||||
| 226550703 | [Redacted] | [Redacted] | 37895758 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Borrowing business entity has more than one member. Please provide evidence that guarantor has authority to bind the company. | Reviewer Comment (2026-10-30): Document provided Buyer Comment (2026-10-28): Trust |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226550962 | [Redacted] | [Redacted] | 37862631 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-11-02): Received required documentation. Condition cleared. Buyer Comment (2026-10-29): please cancel, proof econsent was accepted is sufficient to clear the condition Reviewer Comment (2026-10-29): Please provide complete report to verify E-Sign Consent Agreement. Buyer Comment (2026-10-27): proof econsent accepted upld |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226550962 | [Redacted] | [Redacted] | 37862666 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-15): Sufficient Cure Provided At Closing |
10/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226550962 | [Redacted] | [Redacted] | 37862667 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-15): Sufficient Cure Provided At Closing |
10/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226552377 | [Redacted] | [Redacted] | 37893316 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | [redacted] lease payment included in DTI calculation. Due to the increased DTI, supporting Documentation is required. | Reviewer Comment (2026-11-02): Payments by other party, exception cleared. Buyer Comment (2026-10-29): See supporting docs to exclude the [redacted] payment |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226552377 | [Redacted] | [Redacted] | 37893450 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-11-02): Application date corrected to [redacted], application dated [redacted] shows property as TBD, purchase contract was signed in [redacted]. Buyer Comment (2026-10-29): see uploaded |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226552377 | [Redacted] | [Redacted] | 37893452 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] lease payment included in DTI calculation. Due to the increased DTI, supporting Documentation is required. | Reviewer Comment (2026-11-02): Payments by other party, exception cleared. Buyer Comment (2026-10-29): see uploaded |
11/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | ID | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226552377 | [Redacted] | [Redacted] | 37893453 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted] lease payment included in DTI calculation. Due to the increased DTI, supporting Documentation is required. | Reviewer Comment (2026-11-02): Payments by other party, exception cleared. Buyer Comment (2026-10-29): see uploaded |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226552377 | [Redacted] | [Redacted] | 37893454 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Reviewer Comment (2026-11-02): Application date corrected to [redacted], application dated [redacted] shows property as TBD, purchase contract was signed in [redacted]. Reviewer Comment (2026-11-02): [redacted] received LE dated [redacted]. However, we would require initial CD within [redacted] business days of application [redacted]. Buyer Comment (2026-10-29): LE - see uploaded audit trail |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226552377 | [Redacted] | [Redacted] | 37893457 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | Reviewer Comment (2026-11-02): Application date corrected to [redacted], application dated [redacted] shows property as TBD, purchase contract was signed in [redacted]. Buyer Comment (2026-10-29): audit trail |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226555847 | [Redacted] | [Redacted] | 37901404 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement was not found in file. | Reviewer Comment (2026-11-02): Received E-Sign Consent Agreement. Exception Cleared. Buyer Comment (2026-10-29): e-consent |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Primary | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||
| 226555847 | [Redacted] | [Redacted] | 37901417 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not found in file. | Reviewer Comment (2026-11-02): Received Hazard Insurance Policy. Exception Cleared. Buyer Comment (2026-10-29): hoi |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | XXXX | Primary | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 226555847 | [Redacted] | [Redacted] | 37901425 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | CU Score was not provided, and Secondary Valuation was not found in file. | Reviewer Comment (2026-11-02): Received UCDP Submission Summary Report. Exception cleared. Buyer Comment (2026-10-29): ssr |
11/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | XXXX | Primary | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 226559953 | [Redacted] | [Redacted] | 37900826 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Risk Report. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Risk Report. Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. | Reviewer Comment (2026-11-02): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-10-29): itemization snapshot upld to confirm actual amount disclosed was $[redacted] please cancel cond, this was cured at closing in the full amount of $[redacted] |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226559953 | [Redacted] | [Redacted] | 38041033 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Risk Report. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-11-02): Sufficient Cure Provided At Closing |
11/02/2026 | No | 1 | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226559955 | [Redacted] | [Redacted] | 37882314 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | The Guarantor Agreement was not found in the file. | Reviewer Comment (2026-10-30): Revalidated as the Note was executed individually and as a member of the Entity. Exception cleared. Buyer Comment (2026-10-28): This is not required as the note was signed individually and as a managing member |
10/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226560014 | [Redacted] | [Redacted] | 37893064 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of Non-US Citizen document not provided for[redacted] . | Reviewer Comment (2026-10-29): document provided Buyer Comment (2026-10-27): ITIN |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226560014 | [Redacted] | [Redacted] | 37893126 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is not provided. | Reviewer Comment (2026-10-29): document provided Buyer Comment (2026-10-27): e-consent |
10/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226560014 | [Redacted] | [Redacted] | 37899774 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for lack of tradelines. B1 has [redacted] tradeline reporting on credit. The Guidelines Section [redacted] allows alternate credit for borrowers with [redacted] tradelines; one tradeline does not appear to be eligible. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted]yr Full Doc Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-10-21): Client elects to waive with compensating factors. |
10/21/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226560014 | [Redacted] | [Redacted] | 37899776 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for co-borrower on the file provided a private party VOR, but makes cash payments, therefore does not have canceled checks to provide. Our primary borrower does have a VOR from a management company, however. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted]yr Full Doc Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-10-21): Client elects to waive with compensating factors. |
10/21/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226560031 | [Redacted] | [Redacted] | 37910486 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Risk Report. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Risk Report. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-30): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-10-29): itemization snapshot upld to confirm actual amount disclosed was $[redacted] please cancel cond, this was cured at closing in the full amount of $[redacted] |
10/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226560031 | [Redacted] | [Redacted] | 38025643 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Risk Report. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-30): Sufficient Cure Provided At Closing |
10/30/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226560033 | [Redacted] | [Redacted] | 37901310 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-20): Sufficient Cure Provided At Closing |
10/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226560160 | [Redacted] | [Redacted] | 37900967 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was disclosed on initial Loan Estimate as $[redacted] but disclosed on final Closing Disclosure $[redacted] File does not contain a valid Change of Circumstance for this fee, nor evidence of cure is provided in file. | Reviewer Comment (2026-10-20): Sufficient Cure Provided At Closing |
10/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226564205 | [Redacted] | [Redacted] | 37930720 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Per lender guides, Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address [redacted], however this is missing from the file. The one provided is for a different entity. | Reviewer Comment (2026-10-27): Cleared. Received required document. Buyer Comment (2026-10-23): Corporate Resolution |
10/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226564562 | [Redacted] | [Redacted] | 37913567 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Buyer Comment (2026-11-02): waived per CNR - settlement priority. |
11/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| 226565204 | [Redacted] | [Redacted] | 37928169 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. No cure was provided to the borrower. | Reviewer Comment (2026-11-02): [redacted] Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-10-29): this was cured on the final cd. |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226565204 | [Redacted] | [Redacted] | 37928170 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. No cure was provided to the borrower. | Reviewer Comment (2026-11-02): [redacted] Receive Corrected PCCD and LOE. Buyer Comment (2026-10-29): PCCD & LOX |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226565204 | [Redacted] | [Redacted] | 38041112 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-11-02): Sufficient Cure Provided At Closing |
11/02/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226575735 | [Redacted] | [Redacted] | 37912972 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Insurance coverage is insufficient by $[redacted] There was no evidence of extended coverage or insurer's estimate of replacement cost provided. | Reviewer Comment (2026-11-02): RCE provided Buyer Comment (2026-10-29): please see confirmation of rce on [redacted], pg [redacted] |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226576849 | [Redacted] | [Redacted] | 37923401 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report fee amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-28): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." Buyer Comment (2026-10-27): See Final CD, there is already a Lender credit for this violation. |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226576849 | [Redacted] | [Redacted] | 37998555 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-10-28): Sufficient Cure Provided At Closing |
10/28/2026 | No | 1 | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226576856 | [Redacted] | [Redacted] | 37882678 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard Insurance Policy effective date is after closing. Policy in file is after disbursement date, [redacted]. Need Hazard Insurance Policy prior to or equal to disbursement date. | Reviewer Comment (2026-11-03): Lender correspondence received indicating no losses on insurance from [redacted] to [redacted], cleared Buyer Comment (2026-11-03): no loss |
11/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226578107 | [Redacted] | [Redacted] | 37951845 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[redacted] | Reviewer Comment (2026-11-02): Dec page list replacement coverage Buyer Comment (2026-10-29): Per [redacted]'s Lender Letter for [redacted], it is no longer the industry standard to document the replacement cost value to verify the property insurance coverage amount. It is sufficient to provide confirmation of coverage on a replacement cost basis with the exception of roofs. Property insurance policies that provide such terms of coverage are deemed sufficient. But please also note there is [redacted]% replacement cost on the HOI provided. |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226578168 | [Redacted] | [Redacted] | 37928108 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-21): Sufficient Cure Provided At Closing |
10/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226578759 | [Redacted] | [Redacted] | 37954725 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided to borrower at closing. | Reviewer Comment (2026-10-23): Sufficient Cure Provided At Closing |
10/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226578766 | [Redacted] | [Redacted] | 37936091 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing for the subject property. | Reviewer Comment (2026-11-02): Hazard Insurance Policy - cleared Buyer Comment (2026-11-02): hoi and rce pld |
11/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226579075 | [Redacted] | [Redacted] | 37959559 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | e-consent doc in file is not dated. | Reviewer Comment (2026-11-04): Document provided Doc#[redacted] Buyer Comment (2026-11-02): proof econsent was accepted upld |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226579496 | [Redacted] | [Redacted] | 37932661 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-21): Sufficient Cure Provided At Closing |
10/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CT | Investment | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | N/A | N/A | Yes | |||||||||
| 226580936 | [Redacted] | [Redacted] | 37946720 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Provide evidence of payment and proof tax lien of $[redacted] has been paid with no outstanding balance from State [redacted] | Reviewer Comment (2026-11-02): Received satisfaction of lien document. Exception cleared. Buyer Comment (2026-10-29): See attachment Judgment documents. Borrower has made a payment agreement, since this is a DSCR payment is not needed to qualify. |
11/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||
| 226583437 | [Redacted] | [Redacted] | 37951912 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement was not found in file. | Reviewer Comment (2026-11-04): Received E-sign consent agreement. Exception Cleared. Buyer Comment (2026-11-02): proof econsent was accepted upld |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226583437 | [Redacted] | [Redacted] | 37956589 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Risk Report. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Risk Report. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-11-03): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-11-02): itemization snapshpt upld confirming $[redacted] was initially disclosed, the correct cure of $[redacted] was issued at closing on final cd |
11/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226583437 | [Redacted] | [Redacted] | 38060976 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Risk Report. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-11-03): Sufficient Cure Provided At Closing |
11/03/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226584209 | [Redacted] | [Redacted] | 37953691 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-23): Sufficient Cure Provided At Closing |
10/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226584256 | [Redacted] | [Redacted] | 37971327 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee increased to $[redacted] without a valid Change of Circumstance. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-11-04): [redacted] received a valid COC. Buyer Comment (2026-11-03): this was listed on the initial LE |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226584256 | [Redacted] | [Redacted] | 37971328 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee increased to $[redacted] without a valid Change of Circumstance. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-11-04): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-11-03): this was cured on the final cd |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226584256 | [Redacted] | [Redacted] | 38077087 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-11-04): Sufficient Cure Provided At Closing |
11/04/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226584284 | [Redacted] | [Redacted] | 37994550 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) Security Instrument Error: Notary Date was not provided | The borrower signed the security instrument on [redacted], however the notary is dated [redacted]. A corrective security instrument is required, with clarification from the notary regarding the date, [redacted]g with evidence the corrected document has been re-recorded. | Buyer Comment (2026-11-02): waived per CNR |
11/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| 226585202 | [Redacted] | [Redacted] | 37971299 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Amount of $[redacted] is less than the Note Amount of $[redacted] | Buyer Comment (2026-11-02): waived per CNR - settlement priority |
11/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226585612 | [Redacted] | [Redacted] | 37971946 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-26): Sufficient Cure Provided At Closing |
10/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226586982 | [Redacted] | [Redacted] | 37979288 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Assets provided in file are insufficient to cover reserves. | Reviewer Comment (2026-11-04): Clicked update and reran compliance Buyer Comment (2026-11-02): please cancel, this was is an agency conforming underwritten to lpa, aus is on [redacted] |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226587014 | [Redacted] | [Redacted] | 37972080 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-26): Sufficient Cure Provided At Closing |
10/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226587831 | [Redacted] | [Redacted] | 37972624 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Date variance is due to closing disclosure issued on [redacted] not being signed by the borrower until [redacted]. | Buyer Comment (2026-11-02): waived per CNR - settlement priority. |
11/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 226587836 | [Redacted] | [Redacted] | 37950767 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Second Home not provided | Missing Rider - Second Home. | Reviewer Comment (2026-10-27): Second Home Rider received and associated. Exception cleared. Buyer Comment (2026-10-26): Second Home Rider |
10/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226589266 | [Redacted] | [Redacted] | 37987119 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance nor evidence of cure was provided in file for increase in Credit Report Fee. | Reviewer Comment (2026-11-04): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-11-03): this was cured on the final cd |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226589266 | [Redacted] | [Redacted] | 37987121 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance nor evidence of cure was provided in file for increase in Survey Fee. | Reviewer Comment (2026-11-04): [redacted] received Post CD and LOX. Buyer Comment (2026-11-03): PCCD & LOX |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226589266 | [Redacted] | [Redacted] | 37987151 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance nor evidence of cure was provided in file for increase in Transfer Tax. | Reviewer Comment (2026-11-04): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-11-03): this was cured on the final cd |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226589266 | [Redacted] | [Redacted] | 38093530 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-11-04): Sufficient Cure Provided At Closing |
11/04/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226589266 | [Redacted] | [Redacted] | 38093531 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-11-04): Sufficient Cure Provided At Closing |
11/04/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226589908 | [Redacted] | [Redacted] | 38000363 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for [redacted]with a trust. | Borrower has verified disposable income of at least $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-28): Lender Exception with Compensating Factors provided. |
10/28/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226589908 | [Redacted] | [Redacted] | 38000372 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for mortgage payments paid after due date due to lan being transferred upon maturity. | Borrower has verified disposable income of at least $[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-28): Lender Exception with Compensating Factors provided. |
10/28/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226590431 | [Redacted] | [Redacted] | 37962094 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception is requested for a [redacted]% LTV used per guideline for short-term rental cash-out refi is [redacted]% to allow [redacted]%. Compensating factors include FICO [redacted] plus [redacted] months reserve. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-10-28): Client elects to waive with compensating factors. |
10/28/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | WA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||
| 226592352 | [Redacted] | [Redacted] | 38014759 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-29): Sufficient Cure Provided At Closing |
10/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226592352 | [Redacted] | [Redacted] | 38014760 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-29): Sufficient Cure Provided At Closing |
10/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226593651 | [Redacted] | [Redacted] | 38008185 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Buyer Comment (2026-11-02): waived per CNR - settlement priority |
11/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226593651 | [Redacted] | [Redacted] | 38008368 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | No valid Change of Circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-10-28): Sufficient Cure Provided At Closing |
10/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226594543 | [Redacted] | [Redacted] | 38010705 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Risk Report. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Risk Report Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-11-04): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-11-03): The final CD already reflects a credit for the Credit report fee. |
11/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226594543 | [Redacted] | [Redacted] | 38077242 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Risk Report. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-11-04): Sufficient Cure Provided At Closing |
11/04/2026 | No | 1 | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226606213 | [Redacted] | [Redacted] | 38013398 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-29): Sufficient Cure Provided At Closing |
10/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226606214 | [Redacted] | [Redacted] | 38014286 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee increased from $[redacted] to $[redacted] an increase of $[redacted] without a valid Changed Circumstance document in file. | Reviewer Comment (2026-10-29): Sufficient Cure Provided At Closing |
10/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes |