.5 Schedule 4
| Marketing ID | Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| 900000007 | XX | XX | Closed | 2025-10-03 07:36 | 2025-11-05 11:47 | Resolved | 1 - Information | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Resolved-Lender provided
Homeownership Counseling Organizations Disclosure. Condition cleared. - Due
Diligence Vendor-11/XX/2025 Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-11/XX/2025 Ready for Review-Document Uploaded. - Buyer-11/XX/2025 Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete - Due Diligence Vendor-10/XX/2025 |
Resolved-Lender provided
Homeownership Counseling Organizations Disclosure. Condition cleared. - Due
Diligence Vendor-11/XX/2025 Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-11/XX/2025 |
XX | GA | Primary Residence | Refinance | Cash Out - Other | 5763460 | N/A | N/A | |||||
| 900000009 | XX | XX | Closed | 2025-08-22 16:35 | 2025-09-19 11:52 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Borrower photo ID
expiration date is 08-XX-2025 and note is dated 07-XX-2025. - Due Diligence
Vendor-09/XX/2025 Ready for Review-Document Uploaded. - Buyer-09/XX/2025 Open-Borrower photo ID expiration date is 05-XX-2025 and note is dated 07-XX-2025. B1 photo ID expiration date is 05-XX-2025 and note is dated 07-XX-2025. - Due Diligence Vendor-08/XX/2025 |
Resolved-Borrower photo ID
expiration date is 08-XX-2025 and note is dated 07-XX-2025. - Due Diligence
Vendor-09/XX/2025 |
XX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5290237 | N/A | N/A | |||||
| 900000011 | XX | XX | Closed | 2025-10-02 16:12 | 2025-10-02 16:12 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/XX/2025 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-10/XX/2025 |
SD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5759152 | Originator Pre-Close | Yes | ||||||
| 900000017 | XX | XX | Closed | 2025-09-30 12:42 | 2025-09-30 12:42 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2025 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2025 |
WA | Second Home | Purchase | NA | 5722066 | Originator Pre-Close | No | ||||||
| 900000095 | XX | XX | Closed | 2025-10-08 05:52 | 2025-10-08 05:56 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-Escrows required for LTV > 80%. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-10/XX/2025 | Waived-Escrows required for
LTV > 80%. A lender exception is
present in the loan file, dated prior to consummation, providing adequate
comp factors. - Due Diligence Vendor-10/XX/2025 |
FICO 721 DTI 33.16 Reserves |
TX | Primary Residence | Purchase | NA | 5816271 | Originator Pre-Close | Yes | |||||
| 900000125 | XX | XX | Closed | 2025-10-07 12:05 | 2025-10-07 12:05 | Waived | 2 - Non-Material | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-EAD with C14 category. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-10/XX/2025 | Waived-EAD with C14
category. A lender exception is present in the loan file, dated prior to
consummation, providing adequate comp factors. - Due Diligence
Vendor-10/XX/2025 |
Fico 748 DTI 35 LTV 65 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5807135 | Originator Pre-Close | Yes | |||||
| 900000137 | XX | XX | Closed | 2025-09-17 14:07 | 2026-01-05 15:52 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Lender provided
Business Purpose Affidavit. Finding Resolved - Due Diligence
Vendor-09/XX/2025 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-09/XX/2025 Ready for Review-Document Uploaded. business purpose - Buyer-09/XX/2025 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-09/XX/2025 |
Resolved-Lender provided
Business Purpose Affidavit. Finding Resolved - Due Diligence
Vendor-09/XX/2025 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-09/XX/2025 |
XX | FL | Investment | Purchase | NA | 5574853 | N/A | N/A | |||||
| 900000137 | XX | XX | Closed | 2025-09-17 17:03 | 2026-01-02 09:43 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified
Assets for Reserves Post-Close of $141783.68 is equal to or greater than
Total Required Reserve Amount of $111773.25 - Due Diligence Vendor-01/XX/2026
Resolved-Total Qualified Assets for Reserves Post-Close of $492980.09 is equal to or greater than Total Required Reserve Amount of $111773.25 - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. bank transfers - Seller-10/XX/2025 Counter-Missing documentation of the wires for the gift funds used for reserves totaling $111,670, gift letters are in the loan files but there is not documentation to support the funds went to the borrower. Finding Remains. - Due Diligence Vendor-09/XX/2025 Ready for Review-Document Uploaded. Gift funds are permitted for both closing costs and reserves per guidelines. Spouse gifted borrower by wiring $351,196.41 to closing and gifted $111,670 to the borrower's personal acct that already had $113.68 in it giving the borrower a total of $111,783.68 available for reserves. Meeting the reserve requirement for $111,780. Please see asset worksheet in the file confirming the required 9 months reserves. - Seller-09/XX/2025 Open-Total Qualified Assets for Reserves Post-Close of $113.68 is less than Total Required Reserve Amount of $111773.25. Lender's guidelines indicate reserves must come from the borrower's own funds; therefore, gift funds were excluded. - Due Diligence Vendor-09/XX/2025 |
Ready for Review-Document
Uploaded. bank transfers - Seller-10/07/2025 Ready for Review-Document Uploaded. Gift funds are permitted for both closing costs and reserves per guidelines. Spouse gifted borrower by wiring $351,196.41 to closing and gifted $111,670 to the borrower's personal acct that already had $113.68 in it giving the borrower a total of $111,783.68 available for reserves. Meeting the reserve requirement for $111,780. Please see asset worksheet in the file confirming the required 9 months reserves. - Seller-09/29/2025 |
Resolved-Total Qualified
Assets for Reserves Post-Close of $141783.68 is equal to or greater than
Total Required Reserve Amount of $111773.25 - Due Diligence Vendor-01/XX/2026
Resolved-Total Qualified Assets for Reserves Post-Close of $492980.09 is equal to or greater than Total Required Reserve Amount of $111773.25 - Due Diligence Vendor-10/XX/2025 |
XX | FL | Investment | Purchase | NA | 5578144 | N/A | N/A | ||||
| 900000137 | XX | XX | Closed | 2025-09-17 17:05 | 2025-10-08 12:46 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Total Qualified
Assets for Reserves Post-Close of $492980.09 is equal to or greater than
Total Required Reserve Amount of $111773.25. Finding Resolved. - Due
Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. bank transfers - Investor-10/XX/2025 Counter-Missing documentation of the wires for the gift funds used for reserves totaling $111,670, gift letters are in the loan files but there is not documentation to support the funds went to the borrower. Finding Remains. - Due Diligence Vendor-09/XX/2025 Ready for Review-Document Uploaded. Gift funds are permitted for both closing costs and reserves per guidelines. Spouse gifted borrower by wiring $351,196.41 to closing and gifted $111,670 to the borrower's personal acct that already had $113.68 in it giving the borrower a total of $111,783.68 available for reserves. Meeting the reserve requirement for $111,780. Please see asset worksheet in the file confirming the required 9 months reserves. - Buyer-09/XX/2025 Open-Audited Reserves of 0.01 month(s) are less than Guideline Required Reserves of 9 month(s). Lender's guidelines indicate reserves must come from the borrower's own funds; therefore, gift funds were excluded. - Due Diligence Vendor-09/XX/2025 |
Resolved-Total Qualified
Assets for Reserves Post-Close of $492980.09 is equal to or greater than
Total Required Reserve Amount of $111773.25. Finding Resolved. - Due
Diligence Vendor-10/XX/2025 |
XX | FL | Investment | Purchase | NA | 5578190 | N/A | N/A | |||||
| 900000145 | XX | XX | Closed | 2025-10-07 05:27 | 2025-10-07 05:27 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/XX/2025 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-10/XX/2025 |
CO | Primary Residence | Refinance | Cash Out - Other | 5798854 | Investor Post-Close | No | ||||||
| 900000148 | XX | XX | Closed | 2025-10-02 14:46 | 2025-10-02 14:46 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/XX/2025 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-10/XX/2025 |
TX | Primary Residence | Purchase | NA | 5757599 | Investor Post-Close | No | ||||||
| 900000149 | XX | XX | Closed | 2025-10-02 14:19 | 2025-10-15 11:58 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided
evidence the borrower viewed the ICD on 09/XX/2025. Condition cleared. - Due
Diligence Vendor-10/XX/2025 Resolved-Resolved - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached ICD package - Buyer-10/XX/2025 Counter-Please provide evidence the "Mortgage Loan Disclosures" includes the ICD. Nothing provided includes an itemization of the package as evidence the ICD was included. Condition maintained. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached audit trail. - Buyer-10/XX/2025 Counter-Unable to locate a document confirming the date a borrower accessed the initial CD. Please provide. Condition maintained. - Due Diligence Vendor-10/XX/2025 Ready for Review-Closing response: System of record clearly shows that the ICD was sent on 9/17 and one borrower accessed the docs. For a 2nd home purchase, this is acceptable p to meet the TRID requirement. - Buyer-10/XX/2025 Open-The Initial Closing Disclosure was provided on (2025-XX-17) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-XX-23). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-XX-20), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20250916), for consummation to occur on (2025-XX-23). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 09/XX/2025 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 09/XX/2025. No Cure. - Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 |
Resolved-Lender provided
evidence the borrower viewed the ICD on 09/XX/2025. Condition cleared. - Due
Diligence Vendor-10/XX/2025 Resolved-Resolved - Due Diligence Vendor-10/XX/2025 |
XX | GA | Second Home | Purchase | NA | 5757133 | N/A | N/A | |||||
| 900000153 | XX | XX | Closed | 2025-09-20 09:23 | 2026-01-05 16:47 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-01/XX/2026 Resolved-Signed Business Purpose Affidavit received. Finding resolved. - Due Diligence Vendor-09/XX/2025 Ready for Review-Document Uploaded. business purpose - Buyer-09/XX/2025 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-09/XX/2025 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-01/XX/2026 Resolved-Signed Business Purpose Affidavit received. Finding resolved. - Due Diligence Vendor-09/XX/2025 |
XX | TX | Investment | Purchase | NA | 5610228 | N/A | N/A | |||||
| 900000165 | XX | XX | Closed | 2025-09-29 15:21 | 2025-10-03 08:07 | Resolved | 1 - Information | Compliance | Disclosure | Disclosure(s) for Borrower 2 electronically dated prior to E-Consent | Resolved-Received e-consent
dated 8/XX/2025. Condition cleared. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached e-consent for B1 and B2. - Investor-10/XX/2025 Open-Disclosure(s) signed 08/XX/2025 is prior to E-Consent from Borrower 2 dated 08/XX/2025. - Due Diligence Vendor-09/XX/2025 |
Resolved-Received e-consent
dated 8/XX/2025. Condition cleared. - Due Diligence Vendor-10/XX/2025 |
XX | GA | Primary Residence | Purchase | NA | 5709304 | N/A | N/A | |||||
| 900000165 | XX | XX | Closed | 2025-09-29 15:21 | 2025-10-03 08:07 | Resolved | 1 - Information | Compliance | Disclosure | Disclosure(s) for Borrower electronically dated prior to E-Consent | Resolved-Received e-consent
dated 8/XX/2025. Condition cleared. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached e-consent for B1 and B2. - Buyer-10/XX/2025 Open-Disclosure(s) signed 08/XX/2025 is prior to E-Consent from Borrower dated 08/XX/2025. - Due Diligence Vendor-09/XX/2025 |
Resolved-Received e-consent
dated 8/XX/2025. Condition cleared. - Due Diligence Vendor-10/XX/2025 |
XX | GA | Primary Residence | Purchase | NA | 5709303 | N/A | N/A | |||||
| 900000165 | XX | XX | Closed | 2025-09-24 02:47 | 2025-10-03 08:06 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Resolved-RESPA: AfBA
Disclosure is Provided or Not Applicable - Due Diligence Vendor-10/XX/2025
Ready for Review-Document Uploaded. Please see attached ABA. - Seller-10/XX/2025 Open-RESPA: AfBA Disclosure is Missing or Incomplete - Due Diligence Vendor-09/XX/2025 |
Ready for Review-Document
Uploaded. Please see attached ABA. - Seller-10/01/2025 |
Resolved-RESPA: AfBA
Disclosure is Provided or Not Applicable - Due Diligence Vendor-10/XX/2025 |
XX | GA | Primary Residence | Purchase | NA | 5647990 | N/A | N/A | ||||
| 900000165 | XX | XX | Closed | 2025-09-24 02:47 | 2025-10-03 08:06 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Resolved-RESPA: Toolkit
provided. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached Toolkit Acknowledgement. - Buyer-10/XX/2025 Open-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-09/XX/2025 |
Resolved-RESPA: Toolkit
provided. - Due Diligence Vendor-10/XX/2025 |
XX | GA | Primary Residence | Purchase | NA | 5647991 | N/A | N/A | |||||
| 900000181 | XX | XX | Closed | 2025-10-01 12:53 | 2026-01-02 10:41 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged-The
Homeownership Counseling Organization Disclosure Sent Date (2025-XX-15) is
more than 3 business days from the Application Date (2025-XX-17). Three
business days from the Application Date is (2025-XX-23). Under 12 CFR
1024.20, not later than three business days after receipt of an application,
or information sufficient to complete an application, the lender must provide
the applicant with a clear and conspicuous written list of homeownership
counseling organizations that provide relevant counseling services in the
loan applicant's location. (12 CFR 1024.20) . This finding is non-material
and will be rated a B for all agencies. - Due Diligence Vendor-01/XX/2026 Open-The Homeownership Counseling Organization Disclosure Sent Date (2025-XX-15) is more than 3 business days from the Application Date (2025-XX-17). Three business days from the Application Date is (2025-XX-23). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) . This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 |
Acknowledged-The
Homeownership Counseling Organization Disclosure Sent Date (2025-XX-15) is
more than 3 business days from the Application Date (2025-XX-17). Three
business days from the Application Date is (2025-XX-23). Under 12 CFR
1024.20, not later than three business days after receipt of an application,
or information sufficient to complete an application, the lender must provide
the applicant with a clear and conspicuous written list of homeownership
counseling organizations that provide relevant counseling services in the
loan applicant's location. (12 CFR 1024.20) . This finding is non-material
and will be rated a B for all agencies. - Due Diligence Vendor-01/XX/2026 |
KY | Investment | Refinance | Cash Out - Other | 5738558 | Originator Post-Close | No | ||||||
| 900000181 | XX | XX | Closed | 2025-10-01 13:07 | 2025-10-01 13:07 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/XX/2025 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-10/XX/2025 |
KY | Investment | Refinance | Cash Out - Other | 5738941 | Originator Pre-Close | Yes | ||||||
| 900000208 | XX | XX | Closed | 2025-09-29 12:10 | 2025-09-29 12:18 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 80% exceeds Guideline CLTV of 75% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-09/XX/2025 | Waived-Audited CLTV of 80%
exceeds Guideline CLTV of 75% A lender exception is present in the loan file,
dated prior to consummation, providing adequate comp factors. - Due Diligence
Vendor-09/XX/2025 |
Min FICO 810 Max DTI 35 Min Reserves $12,000 |
NC | Primary Residence | Purchase | NA | 5705439 | Originator Pre-Close | Yes | |||||
| 900000208 | XX | XX | Closed | 2025-09-29 12:10 | 2025-09-29 12:16 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors - Due Diligence Vendor-09/XX/2025 | Waived-Audited LTV of 80%
exceeds Guideline LTV of 75% A lender exception is present in the loan file,
dated prior to consummation, providing adequate comp factors - Due Diligence
Vendor-09/XX/2025 |
Min FICO 810 Max DTI 35 Min Reserves $12,000 |
NC | Primary Residence | Purchase | NA | 5705441 | Originator Pre-Close | Yes | |||||
| 900000208 | XX | XX | Closed | 2025-09-29 12:10 | 2025-09-29 12:16 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 80% exceeds Guideline HCLTV of 75% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-09/XX/2025 | Waived-Audited HLTV of 80%
exceeds Guideline HCLTV of 75% A lender exception is present in the loan
file, dated prior to consummation, providing adequate comp factors. - Due
Diligence Vendor-09/XX/2025 |
Min FICO 810 Max DTI 35 Min Reserves $12,000 |
NC | Primary Residence | Purchase | NA | 5705440 | Originator Pre-Close | Yes | |||||
| 900000208 | XX | XX | Closed | 2025-09-29 12:13 | 2025-09-29 12:14 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-09/XX/2025 | Waived-Housing History Does
Not Meet Guideline Requirements A lender exception is present in the loan
file, dated prior to consummation, providing adequate comp factors. - Due
Diligence Vendor-09/XX/2025 |
Min FICO 810 Max DTI 35 Min Reserves $12,000 |
NC | Primary Residence | Purchase | NA | 5705499 | Originator Pre-Close | Yes | |||||
| 900000208 | XX | XX | Closed | 2025-09-22 13:33 | 2025-09-22 13:33 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2025 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2025 |
NC | Primary Residence | Purchase | NA | 5623062 | Investor Post-Close | No | ||||||
| 900000211 | XX | XX | Closed | 2025-09-23 11:14 | 2025-10-02 10:43 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-File contains a
mortgage statement for the primary residence in the spouse's name only;
mortgage is current per the statement. A full payment history is not required
since this mortgage is not in the borrower's name. Finding Resolved. - Due Diligence
Vendor-10/XX/2025 Ready for Review-UW response: Primary owned since 2022, however mortgage is in name of spouse only, no red flags therefore nothing further is required. - Buyer-09/XX/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing Verification of Mortgage for the borrower's primary residence. - Due Diligence Vendor-09/XX/2025 |
Resolved-File contains a
mortgage statement for the primary residence in the spouse's name only;
mortgage is current per the statement. A full payment history is not required
since this mortgage is not in the borrower's name. Finding Resolved. - Due Diligence
Vendor-10/XX/2025 |
WI | Investment | Purchase | NA | 5636150 | N/A | N/A | ||||||
| 900000224 | XX | XX | Closed | 2025-10-08 07:06 | 2025-10-14 14:36 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided
evidence the ICD was provided electronically and viewed on 09/XX/2025.
Condition cleared. - Due Diligence Vendor-10/XX/2025 Resolved-Resolved - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. docs sent 092325 - Buyer-10/XX/2025 Counter-The document provided does not specifically state the "Mortgage Loan Disclosures" package included the initial CD. Condition maintained. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. icd 092325 - Buyer-10/XX/2025 Open-The Initial Closing Disclosure was provided on (2025-XX-23) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-XX-26). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-XX-26), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20250919), for consummation to occur on (2025-XX-26). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) NO evidence of e-signature of initial CD in file. - Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 |
Resolved-Lender provided
evidence the ICD was provided electronically and viewed on 09/XX/2025.
Condition cleared. - Due Diligence Vendor-10/XX/2025 Resolved-Resolved - Due Diligence Vendor-10/XX/2025 |
XX | FL | Second Home | Purchase | NA | 5817031 | N/A | N/A | |||||
| 900000232 | XX | XX | Closed | 2025-10-14 13:29 | 2025-10-17 08:18 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Lender provided the
Title Document. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. title - Buyer-10/XX/2025 Open-Title Document is missing - Due Diligence Vendor-10/XX/2025 |
Resolved-Lender provided the
Title Document. Finding Resolved. - Due Diligence Vendor-10/XX/2025 |
XX | TX | Investment | Refinance | Cash Out - Other | 5891155 | N/A | N/A | |||||
| 900000239 | XX | XX | Closed | 2025-09-23 21:37 | 2025-10-06 09:03 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Disclosure
provided. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-10/XX/2025 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-09/XX/2025 |
Resolved-Disclosure
provided. - Due Diligence Vendor-10/XX/2025 |
XX | NY | Primary Residence | Purchase | NA | 5646763 | N/A | N/A | |||||
| 900000239 | XX | XX | Closed | 2025-09-23 21:26 | 2025-09-23 23:29 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Lender has approved loan on exception for Housing Payment History. First time homebuyer living rent free for the past 12 years vs First time homebuyer living rent free is not eligible - Due Diligence Vendor-09/XX/2025 | Waived-Housing History Does
Not Meet Guideline Requirements Lender has approved loan on exception for
Housing Payment History. First time homebuyer living rent free for the past
12 years vs First time homebuyer living rent free is not eligible - Due Diligence
Vendor-09/XX/2025 |
Minimum FICO: 700 Maximum DTI: 50 Maximum LTV: 75 Minimum Reserves: $100,000 |
NY | Primary Residence | Purchase | NA | 5646754 | Originator Pre-Close | Yes | |||||
| 900000264 | XX | XX | Closed | 2025-10-13 08:56 | 2026-01-02 10:42 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged-The
Homeownership Counseling Organization Disclosure Sent Date (2025-XX-11) is
more than 3 business days from the Application Date (2025-XX-11). Three
business days from the Application Date is (2025-XX-14). Under 12 CFR
1024.20, not later than three business days after receipt of an application,
or information sufficient to complete an application, the lender must provide
the applicant with a clear and conspicuous written list of homeownership
counseling organizations that provide relevant counseling services in the
loan applicant's location. (12 CFR 1024.20) .This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/XX/2026 Open-The Homeownership Counseling Organization Disclosure Sent Date (2025-XX-11) is more than 3 business days from the Application Date (2025-XX-11). Three business days from the Application Date is (2025-XX-14). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) .This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 |
Acknowledged-The
Homeownership Counseling Organization Disclosure Sent Date (2025-XX-11) is
more than 3 business days from the Application Date (2025-XX-11). Three
business days from the Application Date is (2025-XX-14). Under 12 CFR
1024.20, not later than three business days after receipt of an application,
or information sufficient to complete an application, the lender must provide
the applicant with a clear and conspicuous written list of homeownership
counseling organizations that provide relevant counseling services in the
loan applicant's location. (12 CFR 1024.20) .This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/XX/2026 |
NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5870823 | Originator Post-Close | No | ||||||
| 900000273 | XX | XX | Closed | 2025-09-24 13:05 | 2025-09-29 05:54 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of $xx is greater than the Guideline Maximum Loan Amount of $2500000 . Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/XX/2025 | Waived-Audited Loan Amount
of $xx is greater than the Guideline Maximum Loan Amount of $2500000 . Lender
provided approved exception dated prior to consummation and all lender
compensating factors have been documented and validated. - Due Diligence
Vendor-09/XX/2025 |
Borrower has 2.3MM in assets, 2025 net income is already at 3mm in total and has increased year over year since 2022. | CA | Second Home | Purchase | NA | 5658907 | Originator Pre-Close | Yes | |||||
| 900000275 | XX | XX | Closed | 2025-09-16 07:26 | 2025-09-16 11:42 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Acknowledged-Audited Loan Amount of $XX is less than the Guideline Minimum Loan Amount of $100000 Loan amount of $XX is less than $100,000 minimum required by guidelines. Lender provided approved exception dated prior to consummation. - Due Diligence Vendor-09/XX/2025 | Acknowledged-Audited Loan
Amount of $XX is less than the Guideline Minimum Loan Amount of $100000 Loan
amount of $XXXX is less than $100,000 minimum required by guidelines. Lender
provided approved exception dated prior to consummation. - Due Diligence Vendor-09/XX/2025 |
OH | Investment | Refinance | Cash Out - Other | 5549341 | Originator Pre-Close | Yes | ||||||
| 900000276 | XX | XX | Closed | 2025-09-21 09:57 | 2025-09-21 09:57 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2025 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2025 |
MD | Primary Residence | Refinance | Cash Out - Other | 5611450 | Investor Post-Close | No | ||||||
| 900000279 | XX | XX | Closed | 2025-10-07 11:16 | 2025-10-13 14:52 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Lender provided
evidence “What Mortgage Applicants Need to Know” Pamphlet was provided timely
to the borrower. Condition cleared. - Due Diligence Vendor-10/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. LE - Buyer-10/XX/2025 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. Missing “What Mortgage Applicants Need to Know” Pamphlet - Due Diligence Vendor-10/XX/2025 |
Resolved-Lender provided
evidence “What Mortgage Applicants Need to Know” Pamphlet was provided timely
to the borrower. Condition cleared. - Due Diligence Vendor-10/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025 |
XX | NY | Primary Residence | Refinance | Cash Out - Other | 5806136 | N/A | N/A | |||||
| 900000295 | XX | XX | Closed | 2025-10-07 07:29 | 2025-10-13 14:33 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Lender provided
evidence New York pamphlet “What Mortgage Applicants Need to Know” was
provided to the borrower timely. Condition cleared. - Due Diligence
Vendor-10/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. NY Docs for both borrowers - Buyer-10/XX/2025 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-10/XX/2025 |
Resolved-Lender provided
evidence New York pamphlet “What Mortgage Applicants Need to Know” was
provided to the borrower timely. Condition cleared. - Due Diligence
Vendor-10/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025 |
XX | NY | Primary Residence | Refinance | Cash Out - Other | 5800086 | N/A | N/A | |||||
| 900000295 | XX | XX | Closed | 2025-10-07 09:42 | 2025-10-08 09:20 | Waived | 2 - Non-Material | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash-Out amount of $XX exceeds the maximum cash-out amount of $500,000 when the LTV exceeds 60%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025 | Waived-Cash-Out amount of
$XX exceeds the maximum cash-out amount of $500,000 when the LTV exceeds
60%. Lender provided approved
exception dated prior to consummation and all lender compensating factors
have been documented and validated. - Due Diligence Vendor-10/XX/2025 |
Minimum FICO: 726 Maximum DTI: 35% Maximum LTV: 80 % Minimum Reserves: meeting |
NY | Primary Residence | Refinance | Cash Out - Other | 5802355 | Originator Pre-Close | Yes | |||||
| 900000328 | XX | XX | Closed | 2025-09-16 12:06 | 2025-09-16 12:06 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements First Time Home Buyer Borrower has been living rent free for 10+ years. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/XX/2025 | Waived-Housing History Does
Not Meet Guideline Requirements First Time Home Buyer Borrower has been
living rent free for 10+ years. Lender
provided approved exception dated prior to consummation and all lender compensating
factors have been documented and validated. - Due Diligence
Vendor-09/XX/2025 |
Minimum FICO - 740 Maximum DTI - 35% Maximum LTV - 75% Minimum Reserves - $24,000 |
CA | Primary Residence | Purchase | NA | 5555912 | Originator Pre-Close | Yes | |||||
| 900000329 | XX | XX | Closed | 2025-09-17 12:45 | 2025-12-12 05:32 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower
Identification - Borrower 1 provided. - Due Diligence Vendor-12/XX/2025 Resolved-Received state driver's license with expiration date of 04/XX/2030. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. ID - Buyer-09/XX/2025 Open-Missing Borrower Identification - Borrower 1. Missing Borrower 1 Identification - Due Diligence Vendor-09/XX/2025 |
Resolved-Borrower
Identification - Borrower 1 provided. - Due Diligence Vendor-12/XX/2025 Resolved-Received state driver's license with expiration date of 04/XX/2030. Finding Resolved. - Due Diligence Vendor-10/XX/2025 |
XX | CA | Investment | Purchase | NA | 5572917 | N/A | N/A | |||||
| 900000329 | XX | XX | Closed | 2025-09-22 15:23 | 2025-10-06 15:26 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Lender provided
Business Purpose Certification. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. business purpose - Buyer-10/XX/2025 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-09/XX/2025 |
Resolved-Lender provided
Business Purpose Certification. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-10/XX/2025 |
XX | CA | Investment | Purchase | NA | 5625400 | N/A | N/A | |||||
| 900000330 | XX | XX | Closed | 2025-09-10 07:11 | 2025-09-15 18:40 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Lender provided
pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025 Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-09/XX/2025 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-09/XX/2025 |
Resolved-Lender provided
pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025 |
XX | NY | Primary Residence | Purchase | NA | 5479340 | N/A | N/A | |||||
| 900000330 | XX | XX | Closed | 2025-09-10 10:06 | 2025-09-11 07:32 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements First Time Homebuyer living rent free greater than 12 months from application date. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/XX/2025 | Waived-Housing History Does
Not Meet Guideline Requirements First Time Homebuyer living rent free greater
than 12 months from application date.
Lender provided approved exception dated prior to consummation and all
lender compensating factors have been documented and validated. - Due
Diligence Vendor-09/XX/2025 |
Minimum FICO: 738 Maximum DTI: 35 Maximum LTV: 75 Minimum Reserves: $45,000 |
NY | Primary Residence | Purchase | NA | 5483014 | Originator Pre-Close | Yes | |||||
| 900000333 | XX | XX | Closed | 2025-10-06 08:16 | 2025-10-13 14:32 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Lender provided
evidence “What Mortgage Applicants Need to Know” Pamphlet was sent to the
borrower timely. Condition cleared. - Due Diligence Vendor-10/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached audit trail showing initial disclosures viewed on 07-31 and copy of signed initial disclosures. - Buyer-10/XX/2025 Counter-Lender provided Initial Disclosure Package that includes the What Mortgage Applicants Need to Know pamphlet; however, the documents are not signed and there is no proof the borrower(s) received the initial package. Provide disclosure tracking or executed copies of the Initial Disclosure Package. Finding Remains. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached initial disclosure package including the What Mortgage Applicants Need to Know Pamphlet. - Buyer-10/XX/2025 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. Missing “What Mortgage Applicants Need to Know” Pamphlet - Due Diligence Vendor-10/XX/2025 |
Resolved-Lender provided
evidence “What Mortgage Applicants Need to Know” Pamphlet was sent to the
borrower timely. Condition cleared. - Due Diligence Vendor-10/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025 |
XX | NY | Primary Residence | Refinance | Cash Out - Other | 5781488 | N/A | N/A | |||||
| 900000364 | XX | XX | Closed | 2025-09-14 10:50 | 2026-01-05 13:27 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current
Income or Current Assets were considered - Due Diligence Vendor-01/XX/2026
Resolved-The lender provided the October Business Bank Statement. Finding resolved. - Due Diligence Vendor-09/XX/2025 Ready for Review-Document Uploaded. Please see attached bank statement. - Buyer-09/XX/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Borrower 1 Business Bank Statements for October 2023 Missing - Due Diligence Vendor-09/XX/2025 |
Resolved-ATR Risk - Current
Income or Current Assets were considered - Due Diligence Vendor-01/XX/2026
Resolved-The lender provided the October Business Bank Statement. Finding resolved. - Due Diligence Vendor-09/XX/2025 |
XX | OR | Primary Residence | Purchase | NA | 5529896 | N/A | N/A | |||||
| 900000364 | XX | XX | Closed | 2025-09-14 10:14 | 2025-10-02 14:27 | Resolved | 1 - Information | Credit | Missing Doc | Missing Purchase Contract | Resolved-Purchase contract
signed by all parties provide along with DropBox Signature Audit Trail. Terms
match the Final CD and notes from
Appraiser on the Date, Sales Price, and Seller Concessions. Finding Resolved.
- Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached, this is the full purchase contract. - Buyer-09/XX/2025 Counter-The lender provided a single page document. The loan file is missing the Purchase Contract. Finding Remains. - Due Diligence Vendor-09/XX/2025 Ready for Review-Document Uploaded. Please see attached purchase agreement. - Buyer-09/XX/2025 Open-Missing Purchase Contract - Due Diligence Vendor-09/XX/2025 |
Resolved-Purchase contract
signed by all parties provide along with DropBox Signature Audit Trail. Terms
match the Final CD and notes from
Appraiser on the Date, Sales Price, and Seller Concessions. Finding Resolved.
- Due Diligence Vendor-10/XX/2025 |
XX | OR | Primary Residence | Purchase | NA | 5529814 | N/A | N/A | |||||
| 900000364 | XX | XX | Closed | 2025-09-14 10:50 | 2025-09-26 13:02 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Lender provided
October Business Bank Stmt. Finding Resolved. - Due Diligence
Vendor-09/XX/2025 Ready for Review-Document Uploaded. Please see attached bank statement. - Buyer-09/XX/2025 Open-Borrower 1 Business Bank Statements Missing Borrower 1 Business Bank Statements for October 2023 Missing - Due Diligence Vendor-09/XX/2025 |
Resolved-Lender provided
October Business Bank Stmt. Finding Resolved. - Due Diligence
Vendor-09/XX/2025 |
XX | OR | Primary Residence | Purchase | NA | 5529895 | N/A | N/A | |||||
| 900000368 | XX | XX | Closed | 2025-07-10 10:51 | 2025-07-14 08:38 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Received Business
Purpose & Occupancy Affidavit.
Condition cleared. - Due
Diligence Vendor-07/XX/2025 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. business purpose - Buyer-07/XX/2025 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-07/XX/2025 |
Resolved-Received Business
Purpose & Occupancy Affidavit.
Condition cleared. - Due
Diligence Vendor-07/XX/2025 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-07/XX/2025 |
XX | TX | Investment | Purchase | NA | 4766707 | N/A | N/A | |||||
| 900000370 | XX | XX | Closed | 2025-10-07 10:16 | 2025-10-14 11:14 | Resolved | 1 - Information | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-The lender provided
the required documents. Condition
resolved. - Due Diligence Vendor-10/XX/2025 Resolved-Audited FICO of 677 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-10/XX/2025 Ready for Review-Loan is a XXXX using Asset based income. This is not a asset qualifier loan. - Investor-10/XX/2025 Open-Audited FICO of 677 is less than Guideline FICO of 700 Asset Qualifier minimum FICO is 700 - Due Diligence Vendor-10/XX/2025 |
Resolved-The lender provided
the required documents. Condition
resolved. - Due Diligence Vendor-10/XX/2025 Resolved-Audited FICO of 677 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-10/XX/2025 |
GA | Primary Residence | Purchase | NA | 5804114 | N/A | N/A | ||||||
| 900000370 | XX | XX | Closed | 2025-10-07 10:34 | 2025-10-14 11:14 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-The lender provided
the required documents. Condition
resolved. - Due Diligence Vendor-10/XX/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/XX/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-10/XX/2025 Ready for Review-Loan is a XXXX using Asset based income. This is not a asset qualifier loan. - Buyer-10/XX/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Asset qualifier requires prior 6-month statement to verify seasoning. - Due Diligence Vendor-10/XX/2025 |
Resolved-The lender provided
the required documents. Condition
resolved. - Due Diligence Vendor-10/XX/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/XX/2025 |
GA | Primary Residence | Purchase | NA | 5805050 | N/A | N/A | ||||||
| 900000370 | XX | XX | Closed | 2025-10-07 10:34 | 2025-10-14 11:14 | Resolved | 1 - Information | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-The lender provided
the required documents. Condition
resolved. - Due Diligence Vendor-10/XX/2025 Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-10/XX/2025 Ready for Review-Loan is a XXXX using Asset based income. This is not a asset qualifier loan. - Buyer-10/XX/2025 Open-Asset Qualification Does Not Meet Guideline Requirements Asset qualifier requires prior 6-month statement to verify seasoning - Due Diligence Vendor-10/XX/2025 |
Resolved-The lender provided
the required documents. Condition
resolved. - Due Diligence Vendor-10/XX/2025 Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-10/XX/2025 |
GA | Primary Residence | Purchase | NA | 5805049 | N/A | N/A | ||||||
| 900000370 | XX | XX | Closed | 2025-10-07 10:22 | 2025-10-14 11:14 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-The lender provided
the required documents. Condition
resolved. - Due Diligence Vendor-10/XX/2025 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-10/XX/2025 Ready for Review-Loan is a XXXX using Asset based income. This is not a asset qualifer loan. - Investor-10/XX/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements FICO below GL minimum - Due Diligence Vendor-10/XX/2025 |
Resolved-The lender provided
the required documents. Condition
resolved. - Due Diligence Vendor-10/XX/2025 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-10/XX/2025 |
GA | Primary Residence | Purchase | NA | 5804705 | N/A | N/A | ||||||
| 900000370 | XX | XX | Closed | 2025-10-07 10:19 | 2025-10-14 11:13 | Resolved | 1 - Information | Credit | Eligibility | Transaction Ineligible | Resolved-The lender provided
the required documents. Condition
resolved. - Due Diligence Vendor-10/XX/2025 Ready for Review-Loan is a XXXX using Asset based income. This is not a asset qualifier loan. - Buyer-10/XX/2025 Open-Non-occupant co-borrower income is permitted on Asset Qualifier product - Due Diligence Vendor-10/XX/2025 |
Resolved-The lender provided
the required documents. Condition
resolved. - Due Diligence Vendor-10/XX/2025 |
GA | Primary Residence | Purchase | NA | 5804566 | N/A | N/A | ||||||
| 900000382 | XX | XX | Closed | 2025-10-01 13:28 | 2025-10-07 09:51 | Resolved | 1 - Information | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Lender provided
corrected Notary Acknowledgement. Finding Resolved. - Due Diligence
Vendor-10/XX/2025 Resolved-Resolved - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. The notary had corrected the notary acknowledgement date, see attached. - Seller-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 Open-The disclosed "Right to Cancel Expire Date" (2025-XX-05) is earlier than the system calculated "Right to Cancel Expire Date" (2025-XX-12). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) . - Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 |
Ready for Review-Document
Uploaded. The notary had corrected the notary acknowledgement date, see
attached. - Seller-10/03/2025 |
Resolved-Lender provided
corrected Notary Acknowledgement. Finding Resolved. - Due Diligence
Vendor-10/XX/2025 Resolved-Resolved - Due Diligence Vendor-10/XX/2025 |
XX | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5739441 | N/A | N/A | ||||
| 900000382 | XX | XX | Closed | 2025-10-01 13:28 | 2025-10-07 09:51 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided
corrected Notary Acknowledgement. Finding Resolved. - Due Diligence
Vendor-10/XX/2025 Resolved-Resolved - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. The notary had corrected the notary acknowledgement date, see attached. - Buyer-10/XX/2025 Open-The loan disbursement date (2025-XX-08) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2025-XX-12). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The Deed of Trust notary dated 09/XX/2025. - Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 |
Resolved-Lender provided
corrected Notary Acknowledgement. Finding Resolved. - Due Diligence
Vendor-10/XX/2025 Resolved-Resolved - Due Diligence Vendor-10/XX/2025 |
XX | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5739442 | N/A | N/A | |||||
| 900000382 | XX | XX | Closed | 2025-09-22 09:12 | 2025-10-07 09:30 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided
June bank stmt. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached statement for June 2025. - Buyer-10/XX/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements June 2025 month's Bank statement for employment occasions by XXXX is not present on the file. - Due Diligence Vendor-09/XX/2025 |
Resolved-Lender provided
June bank stmt. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/XX/2025 |
XX | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5616829 | N/A | N/A | |||||
| 900000382 | XX | XX | Closed | 2025-10-01 13:51 | 2025-10-07 09:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Bank Statements 1 (Borrower 1) | Resolved-Lender provided
June bank stmt. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached statement for June 2025. - Investor-10/XX/2025 Open-Guidelines require 12 months' bank statement to verify income. Bank statements are not in file for borrower account. Missing the 06/XX/2025 statement for account ending #XX - Due Diligence Vendor-10/XX/2025 |
Resolved-Lender provided
June bank stmt. Finding Resolved. - Due Diligence Vendor-10/XX/2025 |
XX | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5739996 | N/A | N/A | |||||
| 900000405 | XX | XX | Closed | 2025-09-17 07:41 | 2025-09-19 11:00 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Disclosure
provided. Resolved - Due Diligence
Vendor-09/XX/2025 Ready for Review-Document Uploaded. initial docs - Buyer-09/XX/2025 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. Missing “What Mortgage Applicants Need to Know” Pamphlet - Due Diligence Vendor-09/XX/2025 |
Resolved-Disclosure
provided. Resolved - Due Diligence
Vendor-09/XX/2025 |
XX | NY | Primary Residence | Purchase | NA | 5565730 | N/A | N/A | |||||
| 900000416 | XX | XX | Closed | 2025-09-22 06:14 | 2025-10-03 08:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for Primary Residence | Resolved-Received HOA doc.
Condition cleared. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Hoa - Buyer-10/XX/2025 Open-Missing Evidence of HOA Dues for Primary Residence Unable to verify the HOA payment for primary residence. - Due Diligence Vendor-09/XX/2025 |
Resolved-Received HOA doc.
Condition cleared. - Due Diligence Vendor-10/XX/2025 |
XX | CO | Investment | Purchase | NA | 5614450 | N/A | N/A | |||||
| 900000422 | XX | XX | Closed | 2025-09-23 10:19 | 2026-01-05 17:14 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk -
Employment validation/verification standards meet requirements - Due
Diligence Vendor-01/XX/2026 Resolved-Lender provided June Bank Stmt. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Resolved-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. bank statement June 2024 - Buyer-10/XX/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements We require 24 months bank statement, June 2024 bank statement is missing in the file. - Due Diligence Vendor-09/XX/2025 |
Resolved-ATR Risk -
Employment validation/verification standards meet requirements - Due
Diligence Vendor-01/XX/2026 Resolved-Lender provided June Bank Stmt. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Resolved-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-10/XX/2025 |
XX | NJ | Primary Residence | Purchase | NA | 5634971 | N/A | N/A | |||||
| 900000422 | XX | XX | Closed | 2025-09-23 12:39 | 2025-10-06 15:29 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Lender provided
June Bank Stmt. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. june 2024 bank statement - Buyer-10/XX/2025 Open-Income has calculated using 24 months bank statement, June 2024 bank statement is missing. - Due Diligence Vendor-09/XX/2025 |
Resolved-Lender provided
June Bank Stmt. Finding Resolved. - Due Diligence Vendor-10/XX/2025 |
XX | NJ | Primary Residence | Purchase | NA | 5638060 | N/A | N/A | |||||
| Removed from deal | XX | XX | Closed | 2025-09-19 14:46 | 2025-09-25 05:32 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2025 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2025 |
GA | Primary Residence | Purchase | NA | 5606953 | Investor Post-Close | No | ||||||
| 900000452 | XX | XX | Closed | 2025-07-22 09:12 | 2025-07-29 16:09 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender guidelines
allow for W9 for EIN verification, finding resolved. - Due Diligence
Vendor-07/XX/2025 Ready for Review-Document Uploaded. Guidelines allow for W-9 to verify EIN. - Investor-07/XX/2025 Counter-Missing copy of EIN issued by IRS, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-W9 - Investor-07/XX/2025 Open-Missing EIN for LLC. - Due Diligence Vendor-07/XX/2025 |
Resolved-Lender guidelines
allow for W9 for EIN verification, finding resolved. - Due Diligence
Vendor-07/XX/2025 |
XX | VA | Investment | Purchase | NA | 4901773 | N/A | N/A | |||||
| 900000452 | XX | XX | Closed | 2025-06-30 06:44 | 2025-07-11 12:15 | Resolved | 1 - Information | Credit | Missing Doc | The Final 1003 is Missing | Resolved-Lender provided
executed Entity Loan Application.
Condition cleared. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. - Investor-07/XX/2025 Counter-The 1003 provided is not executed. Please provide executed final 1003. Condition remains. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. - Investor-07/XX/2025 Open-The Final 1003 is Missing - Due Diligence Vendor-06/XX/2025 |
Resolved-Lender provided
executed Entity Loan Application.
Condition cleared. - Due Diligence Vendor-07/XX/2025 |
XX | VA | Investment | Purchase | NA | 4599212 | N/A | N/A | |||||
| 900000456 | XX | XX | Closed | 2025-09-16 09:05 | 2025-09-30 09:58 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Lender provided
state issue driver's license. Finding Resolved. - Due Diligence
Vendor-09/XX/2025 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-09/XX/2025 Ready for Review-Document Uploaded. Please see attached identification. - Buyer-09/XX/2025 Open-Missing Borrower Identification - Borrower 1. Missing Borrower Identification - Borrower 1 - Due Diligence Vendor-09/XX/2025 |
Resolved-Lender provided
state issue driver's license. Finding Resolved. - Due Diligence
Vendor-09/XX/2025 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-09/XX/2025 |
XX | FL | Investment | Purchase | NA | 5550892 | N/A | N/A | |||||
| 900000475 | XX | XX | Closed | 2025-09-23 06:03 | 2025-09-23 06:03 | Waived | 2 - Non-Material | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-As per GL, All non-permanent resident aliens must provide evidence of an acceptable Visa showing them to be legally present and eligible to work in the US. However, UW approved with the below exceptions, EAD/Visa/Green Card, Borrower currently has a C09 EAD expiring in XX. Case by case per guideline - Due Diligence Vendor-09/XX/2025 | Waived-As per GL, All
non-permanent resident aliens must provide evidence of an acceptable Visa
showing them to be legally present and eligible to work in the US. However,
UW approved with the below exceptions, EAD/Visa/Green Card, Borrower
currently has a C09 EAD expiring in XX. Case by case per guideline - Due
Diligence Vendor-09/XX/2025 |
Minimum FICO: 740 Maximum DTI: 50 Maximum LTV: 80 Minimum Reserves: meeting, all compensator factors are met. |
PA | Primary Residence | Purchase | NA | 5630776 | Originator Pre-Close | Yes | |||||
| 900000487 | XX | XX | Closed | 2025-09-15 09:39 | 2025-09-15 09:39 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2025 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2025 |
AZ | Primary Residence | Purchase | NA | 5535013 | Investor Post-Close | No | ||||||
| 900000529 | XX | XX | Closed | 2025-10-03 09:15 | 2025-10-08 11:58 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided
Initial Disclosure Tracking with proof of delivery for Initial Closing
Disclosure. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Resolved-Resolved - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached initial CD audit trail showing borrower viewed the document on 09-XX-25. - Buyer-10/XX/2025 Open-The Initial Closing Disclosure was provided on (2025-XX-18) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-XX-22). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-XX-22), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20250915), for consummation to occur on (2025-XX-22). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 09/XX/2025 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 09/XX/2025. No Cure. - Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 |
Resolved-Lender provided
Initial Disclosure Tracking with proof of delivery for Initial Closing
Disclosure. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Resolved-Resolved - Due Diligence Vendor-10/XX/2025 |
XX | NC | Primary Residence | Refinance | Cash Out - Other | 5765069 | N/A | N/A | |||||
| 900000531 | XX | XX | Closed | 2025-10-08 11:14 | 2025-10-08 11:14 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-FTHB purchasing second home. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-10/XX/2025 | Waived-FTHB purchasing
second home. A lender exception is
present in the loan file, dated prior to consummation, providing adequate
comp factors. - Due Diligence
Vendor-10/XX/2025 |
FICO 799 DTI 35 LTV 80 |
OR | Second Home | Purchase | NA | 5822638 | Originator Pre-Close | Yes | |||||
| 900000540 | XX | XX | Closed | 2025-10-06 10:24 | 2025-10-13 14:37 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Lender provided
'What Mortgage Applicants Need to Know' pamphlet which is within 3 days of
the application date. Finding Resolved.
- Due Diligence Vendor-10/XX/2025 Resolved-Lender provided evidence “What Mortgage Applicants Need to Know” Pamphlet was provided timely to the borrower. Condition cleared. - Due Diligence Vendor-10/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-10/XX/2025 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. Missing “What Mortgage Applicants Need to Know” Pamphlet - Due Diligence Vendor-10/XX/2025 |
Resolved-Lender provided
'What Mortgage Applicants Need to Know' pamphlet which is within 3 days of
the application date. Finding Resolved.
- Due Diligence Vendor-10/XX/2025 Resolved-Lender provided evidence “What Mortgage Applicants Need to Know” Pamphlet was provided timely to the borrower. Condition cleared. - Due Diligence Vendor-10/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025 |
XX | NY | Primary Residence | Refinance | Cash Out - Other | 5784620 | N/A | N/A | |||||
| 900000546 | XX | XX | Closed | 2025-10-03 11:20 | 2025-10-16 10:58 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Lender provided
exception approval for max LTV of 80%. Finding waived. EV 2. - Due Diligence Vendor-10/XX/2025 Ready for Review-Finding invalid. Per the exception request, the exception request was for a LTV of 79%, however the approval given was a max LTV of 80%. - Investor-10/XX/2025 Counter-Lender provided the same lender exception as previously reviewed in the loan file. The Lender exception allows for LTV 79%. Subject transaction is 80%. Lender exception is not valid. Finding Remain - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. sle - Investor-10/XX/2025 Open-Audited HLTV of 80% exceeds Guideline HCLTV of 75% A lender exception is present in the loan file, allows for CLTV 79%. Subject transaction is 80% - Due Diligence Vendor-10/XX/2025 |
Waived-Lender provided
exception approval for max LTV of 80%. Finding waived. EV 2. - Due Diligence Vendor-10/XX/2025 |
XX | FICO 773 DTI 35 Reserves $100,000 |
AZ | Investment | Refinance | Cash Out - Other | 5768453 | Originator Post-Close | Yes | ||||
| 900000546 | XX | XX | Closed | 2025-10-03 11:20 | 2025-10-16 10:57 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Lender provided
exception approval for max LTV of 80%. Finding waived. EV 2. - Due Diligence Vendor-10/XX/2025 Ready for Review-Finding invalid. Per the exception request, the exception request was for a LTV of 79%, however the approval given was a max LTV of 80%. - Buyer-10/XX/2025 Counter-Lender provided the same lender exception as previously reviewed in the loan file. The Lender exception allows for LTV 79%. Subject transaction is 80%. Lender exception is not valid. Finding Remain - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. sle - Investor-10/XX/2025 Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% A lender exception is present in the loan file, allows for CLTV 79%. Subject transaction is 80% - Due Diligence Vendor-10/XX/2025 |
Waived-Lender provided
exception approval for max LTV of 80%. Finding waived. EV 2. - Due Diligence Vendor-10/XX/2025 |
XX | Fico 773 DTI 35 Reserves $100,000 |
AZ | Investment | Refinance | Cash Out - Other | 5768452 | Originator Post-Close | Yes | ||||
| 900000546 | XX | XX | Closed | 2025-10-03 11:20 | 2025-10-16 10:57 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Lender provided
exception approval for max LTV of 80%. Finding waived. EV 2. - Due Diligence
Vendor-10/XX/2025 Ready for Review-Finding invalid. Per the exception request, the exception request was for a LTV of 79%, however the approval given was a max LTV of 80%. - Investor-10/XX/2025 Counter-Lender provided the same lender exception as previously reviewed in the loan file. The Lender exception allows for LTV 79%. Subject transaction is 80%. Lender exception is not valid. Finding Remains. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. sle - Buyer-10/XX/2025 Open-Audited LTV of 80% exceeds Guideline LTV of 75% A lender exception is present in the loan file, allows for LTV 79%. Subject transaction is 80% - Due Diligence Vendor-10/XX/2025 |
Waived-Lender provided
exception approval for max LTV of 80%. Finding waived. EV 2. - Due Diligence
Vendor-10/XX/2025 |
XX | FICO 773 DTI 35 Reserves $100,000 |
AZ | Investment | Refinance | Cash Out - Other | 5768454 | Originator Post-Close | Yes | ||||
| 900000553 | XX | XX | Closed | 2025-09-19 05:57 | 2025-10-02 15:05 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Received Borrower's
Final Settlement Statement, stamped True & Certified, with a disbursement
date of 08/XX/2025. Along with a
letter to the borrower and PCCD reflecting the 08/XX/2025 disbursement date.
Finding Resolved. - Due Diligence
Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached final settlement statement and PCCD showing disbursement date of 08-XX-25. - Buyer-09/XX/2025 Open-The loan disbursement date (2025-XX-27) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2025-XX-27). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The loan disbursement date (2025-XX-27) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2025-XX-27). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. - Due Diligence Vendor-09/XX/2025 Open-XX- Due Diligence Vendor-09/XX/2025 Open-XX- Due Diligence Vendor-09/XX/2025 Open-XX- Due Diligence Vendor-09/XX/2025 Open-XX- Due Diligence Vendor-09/XX/2025 |
Resolved-Received Borrower's
Final Settlement Statement, stamped True & Certified, with a disbursement
date of 08/XX/2025. Along with a
letter to the borrower and PCCD reflecting the 08/XX/2025 disbursement date.
Finding Resolved. - Due Diligence
Vendor-10/XX/2025 |
XX | CA | Primary Residence | Refinance | Cash Out - Other | 5596918 | N/A | N/A | |||||
| 900000557 | XX | XX | Closed | 2025-09-26 16:18 | 2026-01-02 10:45 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-This finding is
deemed non-material and rated EV2 - Due Diligence Vendor-01/XX/2026 Open-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-09/XX/2025 |
Acknowledged-This finding is
deemed non-material and rated EV2 - Due Diligence Vendor-01/XX/2026 |
TN | Primary Residence | Purchase | NA | 5692266 | Investor Post-Close | No | ||||||
| 900000557 | XX | XX | Closed | 2025-09-22 11:27 | 2026-01-02 10:44 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-This finding is
deemed non-material and rated EV2 - Due Diligence Vendor-01/XX/2026 Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete - Due Diligence Vendor-09/XX/2025 |
Acknowledged-This finding is
deemed non-material and rated EV2 - Due Diligence Vendor-01/XX/2026 |
TN | Primary Residence | Purchase | NA | 5620505 | Investor Post-Close | No | ||||||
| 900000557 | XX | XX | Closed | 2025-09-22 13:36 | 2025-09-22 13:36 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2025 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2025 |
TN | Primary Residence | Purchase | NA | 5623135 | Investor Post-Close | No | ||||||
| 900000565 | XX | XX | Closed | 2025-10-06 08:53 | 2025-10-06 08:53 | Waived | 2 - Non-Material | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-Borrower has less than 2 years self-employment history with same business. However, Lender Provided exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025 | Waived-Borrower has less
than 2 years self-employment history with same business. However, Lender
Provided exception dated prior to consummation and all lender compensating
factors have been documented and validated. - Due Diligence Vendor-10/XX/2025 |
1.526M in reserves (36K in
personal account for min reserve requirement & $1,500,000 in business
account that he is 100% owner) -640K loan amount -762 FICO -45K monthly income w/50% expense factor (see XX-will get income worksheet once this exception is approved) -18% DTI -Similar line of work for 5+ years -primary residence purchase |
UT | Primary Residence | Purchase | NA | 5782179 | Originator Pre-Close | Yes | |||||
| 900000580 | XX | XX | Closed | 2025-09-19 10:42 | 2025-09-23 15:17 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-Transaction is ineligible due to 12 NSFs disclosed on the bank statements in the past 12 months. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/XX/2025 | Waived-Transaction is
ineligible due to 12 NSFs disclosed on the bank statements in the past 12
months. Lender provided approved exception dated prior to consummation and
all lender compensating factors have been documented and validated. - Due
Diligence Vendor-09/XX/2025 |
Below parameters are met: Minimum FICO: 664 Maximum DTI: 45 Maximum LTV: 70 Minimum Reserves: $24,000 |
OH | Primary Residence | Purchase | NA | 5602745 | Originator Pre-Close | Yes | |||||
| 900000584 | XX | XX | Closed | 2025-10-03 09:51 | 2026-01-06 10:59 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly
HOI, Taxes, Assessment payments meet requirements - Due Diligence
Vendor-01/XX/2026 Resolved-XX-6 Insurance Policy is fully present with walls in coverage. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached master policy, it indicates the policy has walls in coverage. - Buyer-10/XX/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Required document for verifying subject property HOI amount - Due Diligence Vendor-10/XX/2025 |
Resolved-ATR Risk - Monthly
HOI, Taxes, Assessment payments meet requirements - Due Diligence
Vendor-01/XX/2026 Resolved-XX-6 Insurance Policy is fully present with walls in coverage. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-10/XX/2025 |
XX | MD | Primary Residence | Purchase | NA | 5765876 | N/A | N/A | |||||
| 900000584 | XX | XX | Closed | 2025-10-03 09:45 | 2026-01-02 11:01 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 52.88% exceeds Guideline DTI of 50% Lender provided approved exception for exceeding DTI. Hence audited finding added for exceeding DTI - Due Diligence Vendor-10/XX/2025 | Waived-Audited DTI of 52.88%
exceeds Guideline DTI of 50% Lender provided approved exception for exceeding
DTI. Hence audited finding added for exceeding DTI - Due Diligence
Vendor-10/XX/2025 |
Minimum FICO:760, Maximum DTI: 55, Maximum LTV 80, Minimum Reserves: $150,000 | MD | Primary Residence | Purchase | NA | 5765667 | Originator Pre-Close | Yes | |||||
| 900000584 | XX | XX | Closed | 2025-10-06 12:40 | 2025-10-08 11:47 | Resolved | 1 - Information | Credit | Missing Doc | HO6 Insurance Policy is Missing | Resolved-XX-6 Insurance
Policy is fully present with walls in coverage. Finding Resolved. - Due
Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached master policy, it indicates the policy has walls in coverage. - Buyer-10/XX/2025 Open-Missing HO-6 Insurance Policy - Due Diligence Vendor-10/XX/2025 |
Resolved-XX-6 Insurance
Policy is fully present with walls in coverage. Finding Resolved. - Due
Diligence Vendor-10/XX/2025 |
XX | MD | Primary Residence | Purchase | NA | 5788781 | N/A | N/A | |||||
| 900000606 | XX | XX | Closed | 2025-09-16 08:56 | 2025-09-29 18:51 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Lender provided
pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025 Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-09/XX/2025 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-09/XX/2025 |
Resolved-Lender provided
pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025 |
XX | NY | Primary Residence | Purchase | NA | 5550703 | N/A | N/A | |||||
| 900000610 | XX | XX | Closed | 2025-09-23 08:46 | 2026-01-06 11:00 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly
Debt Obligations taken into consideration meet requirements - Due Diligence
Vendor-10/XX/2025 Ready for Review-Document Uploaded. HOA for 2 bedroom L - Buyer-10/XX/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing documentation to confirm monthly HOA payment for property disclosed on line 3B of the final loan application. - Due Diligence Vendor-09/XX/2025 |
Resolved-ATR Risk - Monthly
Debt Obligations taken into consideration meet requirements - Due Diligence
Vendor-10/XX/2025 |
XX | DC | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5632858 | N/A | N/A | |||||
| 900000610 | XX | XX | Closed | 2025-09-23 10:02 | 2025-10-03 08:26 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received HOA doc.
Condition cleared. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. hoa for 2 bedroom large - Buyer-10/XX/2025 Open-Missing documentation to confirm monthly HOA payment for property disclosed on line 3B of the final loan application. - Due Diligence Vendor-09/XX/2025 |
Resolved-Received HOA doc.
Condition cleared. - Due Diligence Vendor-10/XX/2025 |
XX | DC | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5634629 | N/A | N/A | |||||
| 900000627 | XX | XX | Closed | 2025-09-17 10:08 | 2025-09-23 07:45 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Photo ID Provided.
Finding Resolved. - Due Diligence Vendor-09/XX/2025 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-09/XX/2025 Ready for Review-Document Uploaded. Please see attached ID. - Buyer-09/XX/2025 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-09/XX/2025 |
Resolved-Photo ID Provided.
Finding Resolved. - Due Diligence Vendor-09/XX/2025 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-09/XX/2025 |
XX | OH | Investment | Purchase | NA | 5568625 | N/A | N/A | |||||
| 900000633 | XX | XX | Closed | 2025-10-01 12:23 | 2025-10-03 06:40 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements FTHB borrower with 1x30 housing history in the last 12 months. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025 | Waived-Housing History Does
Not Meet Guideline Requirements FTHB borrower with 1x30 housing history in
the last 12 months. Lender provided
approved exception dated prior to consummation and all lender compensating factors
have been documented and validated. - Due Diligence Vendor-10/XX/2025 |
Minimum FICO: 770 Maximum DTI: 30 Maximum LTV: 80 Minimum Reserves: $36,000 |
FL | Primary Residence | Purchase | NA | 5737811 | Originator Pre-Close | Yes | |||||
| 900000639 | XX | XX | Closed | 2025-09-25 04:17 | 2025-10-08 10:19 | Resolved | 1 - Information | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Lender provided
bill of sale for sale of motor vehicle. Finding Resolved. - Due Diligence
Vendor-10/XX/2025 Ready for Review-Document Uploaded. sale of mclarin - Buyer-10/XX/2025 Open-Missing supporting documentation for large deposit of $136,467.64 on 06/25 - Due Diligence Vendor-09/XX/2025 |
Resolved-Lender provided
bill of sale for sale of motor vehicle. Finding Resolved. - Due Diligence
Vendor-10/XX/2025 |
XX | CA | Investment | Purchase | NA | 5666473 | N/A | N/A | |||||
| 900000639 | XX | XX | Closed | 2025-09-24 20:51 | 2025-09-24 22:33 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does
Not Meet Guideline Requirements SLE approved subject to no rental income to
qualify and Exception Type: Credit: Housing Payment History and Details: FTHB living Rent free purchasing an investment. - Due Diligence Vendor-09/XX/2025 |
Waived-Housing History Does
Not Meet Guideline Requirements SLE approved subject to no rental income to
qualify and Exception Type: Credit: Housing Payment History and Details: FTHB living Rent free purchasing an investment. - Due Diligence Vendor-09/XX/2025 |
Minimum FICO: 702 Maximum DTI: 30 Maximum LTV: 75 Minimum Reserves: 12,000 |
CA | Investment | Purchase | NA | 5664876 | Originator Pre-Close | Yes | |||||
| 900000639 | XX | XX | Closed | 2025-09-24 22:18 | 2025-09-24 22:18 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2025 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2025 |
CA | Investment | Purchase | NA | 5665144 | Investor Post-Close | No | ||||||
| 900000649 | XX | XX | Closed | 2025-09-09 10:52 | 2025-09-16 12:21 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Questionnaire | Resolved-Condo Questionnaire
provided. Finding Resolved. - Due Diligence Vendor-09/XX/2025 Ready for Review-Document Uploaded. Please see attached condo questionnaire. - Buyer-09/XX/2025 Open- The Condo Questionnaire is missing from the loan file. Additional conditions may apply. The Condo Questionnaire is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-09/XX/2025 |
Resolved-Condo Questionnaire
provided. Finding Resolved. - Due Diligence Vendor-09/XX/2025 |
XX | MD | Primary Residence | Purchase | NA | 5467674 | N/A | N/A | |||||
| 900000678 | XX | XX | Closed | 2025-09-22 10:42 | 2025-10-07 10:07 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided
Initial Closing Disclosure. Finding Resolved. - Due Diligence
Vendor-10/XX/2025 Resolved-XX- Due Diligence Vendor-10/XX/2025 Resolved-XX- Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. signed ICD 082625 - Buyer-10/XX/2025 Open-The Initial Closing Disclosure Received Date of (2025-XX-29) is not three business days before the consummation date of (2025-XX-29). Three business days before the consummation date is (20250826). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-09/XX/2025 Open-XX- Due Diligence Vendor-09/XX/2025 Open-XX- Due Diligence Vendor-09/XX/2025 Open-XX- Due Diligence Vendor-09/XX/2025 Open-XX- Due Diligence Vendor-09/XX/2025 |
Resolved-Lender provided
Initial Closing Disclosure. Finding Resolved. - Due Diligence
Vendor-10/XX/2025 Resolved- - Due Diligence Vendor-10/XX/2025 |
XX | AL | Primary Residence | Purchase | NA | 5619678 | N/A | N/A | |||||
| 900000684 | XX | XX | Closed | 2025-09-15 12:30 | 2025-09-24 07:41 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Lender provided
pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025 Ready for Review-Document Uploaded. initial docs - Buyer-09/XX/2025 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-09/XX/2025 |
Resolved-Lender provided
pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025 |
XX | NY | Primary Residence | Purchase | NA | 5539690 | N/A | N/A | |||||
| 900000705 | XX | XX | Closed | 2025-10-13 11:23 | 2025-10-16 12:43 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached Business Purpose Certificate. - Buyer-10/XX/2025 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-10/XX/2025 |
Resolved-Business Purpose
Affidavit provided. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-10/XX/2025 |
XX | FL | Investment | Purchase | NA | 5873424 | N/A | N/A | |||||
| 900000711 | XX | XX | Closed | 2025-09-17 09:28 | 2025-10-13 15:28 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided
evidence the borrower accessed the closing package with the ICD on
08/XX/2025. Condition cleared. - Due Diligence Vendor-10/XX/2025 Resolved-Resolved - Due Diligence Vendor-10/XX/2025 Ready for Review-There is no issue with receipt of the initial CD, as the primary borrower received and signed on 8/XX/2025 and the XX. This is a purchase, so the initial CD only has to be received by 1 borrower, and the mailing of the package does not void the borrower’s signature on the 26th. - Buyer-10/XX/2025 Counter-Lender provided Initial Closing Disclosure package and disclosure tracker that indicates the Initial Package was sent via USPS on 08/XX/2025. Three day delivery is 08/XX/2025 which is the same as consummation date. Finding remains. - Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. sent via usps - Buyer-09/XX/2025 Open-The Initial Closing Disclosure Received Date of (2025-XX-29) is not three business days before the consummation date of (2025-XX-29). Three business days before the consummation date is (20250826). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-09/XX/2025 Open-XX- Due Diligence Vendor-09/XX/2025 |
Resolved-Lender provided
evidence the borrower accessed the closing package with the ICD on
08/XX/2025. Condition cleared. - Due Diligence Vendor-10/XX/2025 Resolved-Resolved - Due Diligence Vendor-10/XX/2025 |
XX | NY | Primary Residence | Purchase | NA | 5567660 | N/A | N/A | |||||
| 900000722 | XX | XX | Closed | 2025-10-02 23:08 | 2025-10-14 11:53 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 75% exceeds Guideline HCLTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025 | Waived-Audited HLTV of 75%
exceeds Guideline HCLTV of 70% Lender provided approved exception dated prior
to consummation and all lender compensating factors have been documented and
validated. - Due Diligence Vendor-10/XX/2025 |
717 FICO > 700 minimum, 1.5% DSCR > 1.0% minimum, $25,000 reserves > 6 months min required | OH | Investment | Refinance | Cash Out - Other | 5761273 | Originator Pre-Close | Yes | |||||
| 900000722 | XX | XX | Closed | 2025-10-02 23:08 | 2025-10-14 11:52 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025 | Waived-Audited CLTV of 75%
exceeds Guideline CLTV of 70% Lender provided approved exception dated prior
to consummation and all lender compensating factors have been documented and
validated. - Due Diligence Vendor-10/XX/2025 |
717 FICO > 700 minimum, 1.5% DSCR > 1.0% minimum, $25,000 reserves > 6 months min required | OH | Investment | Refinance | Cash Out - Other | 5761272 | Originator Pre-Close | Yes | |||||
| 900000722 | XX | XX | Closed | 2025-10-02 23:08 | 2025-10-14 11:51 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XX is less than the Guideline Minimum Loan Amount of $100000 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025 | Waived-Audited Loan Amount
of $XX is less than the Guideline Minimum Loan Amount of $100000 Lender
provided approved exception dated prior to consummation and all lender
compensating factors have been documented and validated. - Due Diligence
Vendor-10/XX/2025 |
717 FICO > 700 minimum, 1.5% DSCR > 1.0% minimum, $25,000 reserves > 6 months min required | OH | Investment | Refinance | Cash Out - Other | 5761274 | Originator Pre-Close | Yes | |||||
| 900000722 | XX | XX | Closed | 2025-10-02 23:08 | 2025-10-14 11:51 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025 | Waived-Audited LTV of 75%
exceeds Guideline LTV of 70% Lender provided approved exception dated prior
to consummation and all lender compensating factors have been documented and
validated. - Due Diligence Vendor-10/XX/2025 |
717 FICO > 700 minimum, 1.5% DSCR > 1.0% minimum, $25,000 reserves > 6 months min required | OH | Investment | Refinance | Cash Out - Other | 5761275 | Originator Pre-Close | Yes | |||||
| 900000728 | XX | XX | Closed | 2025-09-11 08:16 | 2025-09-18 16:19 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Lender provided
pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025 Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-09/XX/2025 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-09/XX/2025 |
Resolved-Lender provided
pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025 |
XX | NY | Investment | Purchase | NA | 5497666 | N/A | N/A | |||||
| 900000729 | XX | XX | Closed | 2025-09-22 12:41 | 2025-10-01 13:38 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided
proof of e-delivery for ICD. Finding resolved. - Due Diligence
Vendor-10/XX/2025 Resolved-Resolved - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached ICD audit trail showing that the borrower viewed the 08-22 CD on 08-XX-25. - Buyer-09/XX/2025 Open-The Initial Closing Disclosure was provided on (2025-XX-22) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-XX-27). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-XX-26), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20250820), for consummation to occur on (2025-XX-27). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 08/XX/2025 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 08/XX/025. No Cure. - Due Diligence Vendor-09/XX/2025 Open-XX- Due Diligence Vendor-09/XX/2025 Open-XX- Due Diligence Vendor-09/XX/2025 |
Resolved-Lender provided
proof of e-delivery for ICD. Finding resolved. - Due Diligence
Vendor-10/XX/2025 Resolved-Resolved - Due Diligence Vendor-10/XX/2025 |
XX | FL | Primary Residence | Purchase | NA | 5621960 | N/A | N/A | |||||
| 900000729 | XX | XX | Closed | 2025-09-22 05:18 | 2025-09-26 06:32 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2025 | FL | Primary Residence | Purchase | NA | 5614022 | Investor Post-Close | No | |||||||
| 900000735 | XX | XX | Closed | 2025-09-26 12:24 | 2025-10-10 09:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Master Insurance Policy | Resolved-Condo Master Policy
provided. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. master policy - Buyer-10/XX/2025 Open-Missing Condo Master Insurance Policy - Due Diligence Vendor-09/XX/2025 |
Resolved-Condo Master Policy
provided. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-10/XX/2025 |
XX | CO | Second Home | Purchase | NA | 5688577 | N/A | N/A | |||||
| 900000764 | XX | XX | Closed | 2025-09-10 05:16 | 2026-01-05 14:00 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Sufficient assets
present in the loan file to satisfy the reserve requirement. Resolved. - Due Diligence Vendor-09/XX/2025
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/XX/2025 Ready for Review-asset worksheet attached showing sufficient reserves, please advise - Buyer-09/XX/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $XX is less than Total Required Reserve Amount of $75783.44 - Due Diligence Vendor-09/XX/2025 |
Resolved-Sufficient assets
present in the loan file to satisfy the reserve requirement. Resolved. - Due Diligence Vendor-09/XX/2025
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/XX/2025 |
GA | Primary Residence | Purchase | NA | 5478506 | N/A | N/A | ||||||
| 900000764 | XX | XX | Closed | 2025-09-10 05:11 | 2025-12-17 16:28 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Sufficient assets
present in the loan file to satisfy the reserve requirement. Resolved. - Due Diligence Vendor-09/XX/2025
Resolved-Audited Reserves of 11.15 month(s) are greater than or equal to Guideline Required Reserves of 8 month(s) - Due Diligence Vendor-09/XX/2025 Ready for Review-Document Uploaded. asset worksheet attached showing sufficient reserves, please advise - Investor-09/XX/2025 Open-Audited Reserves of 7 month(s) are less than Guideline Required Reserves of 8 month(s) - Due Diligence Vendor-09/XX/2025 |
Resolved-Sufficient assets
present in the loan file to satisfy the reserve requirement. Resolved. - Due Diligence Vendor-09/XX/2025
Resolved-Audited Reserves of 11.15 month(s) are greater than or equal to Guideline Required Reserves of 8 month(s) - Due Diligence Vendor-09/XX/2025 |
XX | GA | Primary Residence | Purchase | NA | 5478485 | N/A | N/A | |||||
| 900000764 | XX | XX | Closed | 2025-09-10 05:12 | 2025-09-19 12:46 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Sufficient assets
present in the loan file to satisfy the reserve requirement. Resolved. - Due Diligence Vendor-09/XX/2025
Resolved-Total Qualified Assets for Reserves Post-Close of $XX is equal to or greater than Total Required Reserve Amount of $75783.44 - Due Diligence Vendor-09/XX/2025 Ready for Review-asset worksheet attached showing sufficient reserves, please advise - Investor-09/XX/2025 Open-Total Qualified Assets for Reserves Post-Close of $66303.19 is less than Total Required Reserve Amount of $75783.44 - Due Diligence Vendor-09/XX/2025 |
Resolved-Sufficient assets
present in the loan file to satisfy the reserve requirement. Resolved. - Due Diligence Vendor-09/XX/2025
Resolved-Total Qualified Assets for Reserves Post-Close of $XX is equal to or greater than Total Required Reserve Amount of $75783.44 - Due Diligence Vendor-09/XX/2025 |
GA | Primary Residence | Purchase | NA | 5478490 | N/A | N/A | ||||||
| 900000768 | XX | XX | Closed | 2025-10-15 09:33 | 2025-10-17 08:25 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Lender provided
Credit Supplement. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached mortgage statement and a copy of the credit supplement showing 12 months of payments on the mortgage for the primary residence. - Buyer-10/XX/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. 11 months housing history/VOM missing for Subject Property. - Due Diligence Vendor-10/XX/2025 |
Resolved-Lender provided
Credit Supplement. Finding Resolved. - Due Diligence Vendor-10/XX/2025 |
XX | NY | Investment | Refinance | No Cash Out - Borrower Initiated | 5900661 | N/A | N/A | |||||
| 900000775 | XX | XX | Closed | 2025-09-24 11:07 | 2025-09-24 11:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2025 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2025 |
CA | Investment | Purchase | NA | 5656894 | Investor Post-Close | No | ||||||
| 900000781 | XX | XX | Closed | 2025-09-23 12:29 | 2025-09-29 18:48 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Lender provided
pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025 Ready for Review-Document Uploaded. initial docs - Buyer-09/XX/2025 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-09/XX/2025 |
Resolved-Lender provided
pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025 |
XX | NY | Investment | Refinance | Cash Out - Other | 5637850 | N/A | N/A | |||||
| 900000817 | XX | XX | Closed | 2025-09-09 14:43 | 2025-09-09 14:43 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2025 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2025 |
FL | Primary Residence | Purchase | NA | 5472401 | Investor Post-Close | No | ||||||
| Removed from deal | XX | XX | Seller | 2026-01-05 21:32 | 2026-01-05 22:00 | Resolved | 1 - Information | Property | Third Party Valuation | Secondary valuation product is not within tolerance | Resolved-Received the desk
review to support the appraisal value with 0% variance. Finding Resolved. -
Due Diligence Vendor-01/XX/2026 Open-The Appraisal value is $XX with an effective dated 08/XX/2025 compared to the Desk Review dated 07/XX/2025, which was for an appraisal completed prior to the application date. Please provide the desk review to support the appraisal dated 08/XX/2025 - Due Diligence Vendor-01/XX/2026 Ready for Review-Document Uploaded. Please see attached CDA. - Buyer-01/XX/2026 |
Resolved-Received the desk
review to support the appraisal value with 0% variance. Finding Resolved. -
Due Diligence Vendor-01/XX/2026 |
XX | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | 6926963 | N/A | N/A | |||||
| 900000827 | XX | XX | Closed | 2025-09-16 12:27 | 2025-09-19 14:13 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Copy of ID
received, condition cleared. - Due Diligence Vendor-09/XX/2025 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-09/XX/2025 Ready for Review-Document Uploaded. DL - Buyer-09/XX/2025 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-09/XX/2025 |
Resolved-Copy of ID
received, condition cleared. - Due Diligence Vendor-09/XX/2025 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-09/XX/2025 |
XX | MI | Investment | Purchase | NA | 5556371 | N/A | N/A | |||||
| 900000839 | XX | XX | Closed | 2025-09-10 11:28 | 2025-09-10 11:29 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2025 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2025 |
NJ | Primary Residence | Purchase | NA | 5486152 | Originator Pre-Close | No | ||||||
| 900000850 | XX | XX | Closed | 2025-10-01 10:17 | 2025-10-01 10:18 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Investment property cash-out refinance with borrower living rent free. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025 | Waived-Housing History Does
Not Meet Guideline Requirements Investment property cash-out refinance with
borrower living rent free. Lender
provided approved exception dated prior to consummation and all lender compensating
factors have been documented and validated. - Due Diligence
Vendor-10/XX/2025 |
Minimum FICO: 689 Maximum DTI: 35 Maximum LTV: 50 Minimum Reserves: $50,000 |
FL | Investment | Refinance | Cash Out - Other | 5734717 | Originator Pre-Close | Yes | |||||
| 900000859 | XX | XX | Closed | 2025-10-07 09:24 | 2026-01-05 14:03 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Lender provided REO
Hazard premium. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached hazard policy. - Buyer-10/XX/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing Evidence of Insurance premium amount for property 3b on final application. - Due Diligence Vendor-10/XX/2025 |
Resolved-Lender provided REO
Hazard premium. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/XX/2025 |
XX | OH | Primary Residence | Refinance | Cash Out - Other | 5802047 | N/A | N/A | |||||
| 900000859 | XX | XX | Closed | 2025-10-07 09:18 | 2025-10-14 09:34 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved-Lender provided REO
Hazard premium. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached hazard policy. - Buyer-10/XX/2025 Open-Missing Evidence of Insurance premium amount for property 3b on final application. Declaration page in file does not reflect the premium - Due Diligence Vendor-10/XX/2025 |
Resolved-Lender provided REO
Hazard premium. Finding Resolved. - Due Diligence Vendor-10/XX/2025 |
XX | OH | Primary Residence | Refinance | Cash Out - Other | 5801924 | N/A | N/A | |||||
| 900000861 | XX | XX | Closed | 2025-10-06 12:30 | 2025-10-13 14:33 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Lender provided
valid COC. Condition cleared. - Due Diligence Vendor-10/XX/2025 Resolved-Resolved - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached COC. - Investor-10/XX/2025 Open-A Lender Credit for Excess Charges of ($19.95), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($109.95) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Collateral Desktop Analysis on CD dated 09/XX/2025 is $90. LE dated 07/XX/2025 lists fee as $0. This fee is in a 0% tolerance section. Lender tolerance cure of $90 is required. Section J reflects $19.50 tolerance cure that is insufficient as it was applied to the tolerance cure for the HOA Handling Fee. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 |
Resolved-Lender provided
valid COC. Condition cleared. - Due Diligence Vendor-10/XX/2025 Resolved-Resolved - Due Diligence Vendor-10/XX/2025 |
XX | MA | Investment | Refinance | Cash Out - Other | 5788425 | N/A | N/A | |||||
| 900000861 | XX | XX | Closed | 2025-10-06 12:30 | 2025-10-13 14:33 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Lender provided
valid COC. Condition cleared. - Due Diligence Vendor-10/XX/2025 Resolved-Resolved - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. Please see attached COC. - Buyer-10/XX/2025 Open-A Lender Credit for Excess Charges of ($19.95), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($109.95) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Collateral Desktop Analysis on CD dated 09/XX/2025 is $90. LE dated 07/XX/2025 lists fee as $0. This fee is in a 0% tolerance section. Lender tolerance cure of $90 is required. Section J reflects $19.50 tolerance cure that is insufficient as it was applied to the tolerance cure for the HOA Handling Fee. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 Open-XX- Due Diligence Vendor-10/XX/2025 |
Resolved-Lender provided
valid COC. Condition cleared. - Due Diligence Vendor-10/XX/2025 Resolved-Resolved - Due Diligence Vendor-10/XX/2025 |
XX | MA | Investment | Refinance | Cash Out - Other | 5788424 | N/A | N/A | |||||
| 900000866 | XX | XX | Closed | 2025-09-18 11:04 | 2025-09-18 11:04 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2025 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2025 |
TX | Primary Residence | Purchase | NA | 5587505 | Investor Post-Close | No | ||||||
| 900000877 | XX | XX | Closed | 2025-09-23 09:26 | 2025-10-03 09:30 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Lender provided
pamphlet. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025 Ready for Review-Document Uploaded. initial docs - Buyer-10/XX/2025 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-09/XX/2025 |
Resolved-Lender provided
pamphlet. Finding Resolved. - Due Diligence Vendor-10/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025 |
XX | NY | Investment | Purchase | NA | 5633738 | N/A | N/A | |||||
| 900000890 | XX | XX | Closed | 2025-09-17 10:45 | 2025-09-29 18:41 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Lender provided
pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025 Ready for Review-Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-09/XX/2025 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-09/XX/2025 |
Resolved-Lender provided
pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025 |
XX | NY | Investment | Purchase | NA | 5570363 | N/A | N/A | |||||
| 900000897 | XX | XX | Closed | 2025-10-06 12:18 | 2025-10-06 12:18 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount
of $XX is greater than the Guideline Maximum Loan Amount of $2000000. A
lender exception is present in the loan file, dated prior to consummation,
providing adequate comp factors. - Due Diligence Vendor-10/XX/2025 |
Waived-Audited Loan Amount
of $XX is greater than the Guideline Maximum Loan Amount of $2000000. A
lender exception is present in the loan file, dated prior to consummation,
providing adequate comp factors. - Due Diligence Vendor-10/XX/2025 |
Minimum FICO: 746 Maximum DTI: 46 Maximum LTV: 66 Minimum Reserves: 240,000 |
CA | Primary Residence | Refinance | Cash Out - Other | 5788146 | Originator Pre-Close | Yes | |||||
| 900000904 | XX | XX | Closed | 2025-10-17 07:32 | 2025-10-17 07:37 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 54% exceeds Guideline LTV of 50% when cash-out amount exceeds $750,000. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025 | Waived-Audited LTV of 54%
exceeds Guideline LTV of 50% when cash-out amount exceeds $750,000. Lender
provided approved exception dated prior to consummation and all lender
compensating factors have been documented and validated. - Due Diligence
Vendor-10/XX/2025 |
Minimum FICO: 770 Maximum DTI: 50 Maximum LTV: 55 Minimum Reserves: meeting |
FL | Primary Residence | Refinance | Cash Out - Other | 5928555 | Originator Pre-Close | Yes | |||||
| 900000925 | XX | XX | Closed | 2025-09-19 10:12 | 2025-09-30 09:51 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided mtg
stmt. Finding Resolved - Due Diligence Vendor-09/XX/2025 Ready for Review-Document Uploaded. Please see attached mortgage statement. - Buyer-09/XX/2025 Open-Mortgage statement is missing for the REO property 3d final 1003. - Due Diligence Vendor-09/XX/2025 |
Resolved-Lender provided mtg
stmt. Finding Resolved - Due Diligence Vendor-09/XX/2025 |
XX | TX | Investment | Purchase | NA | 5601074 | N/A | N/A | |||||
| 900000950 | XX | XX | Closed | 2025-09-23 04:31 | 2025-09-23 04:31 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2025 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2025 |
NY | Primary Residence | Purchase | NA | 5630237 | Investor Post-Close | No | ||||||
| 900000954 | XX | XX | Closed | 2025-09-22 08:22 | 2025-09-22 08:22 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2025 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-09/XX/2025 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5615967 | Investor Post-Close | No | ||||||
| 900000958 | XX | XX | Closed | 2025-07-14 12:23 | 2025-07-17 13:23 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement
for prior loan provided. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. payoff - Buyer-07/XX/2025 Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/XX/2025 |
Resolved-Payoff Statement
for prior loan provided. - Due Diligence Vendor-07/XX/2025 |
XX | NC | Investment | Refinance | Cash Out - Other | 4807927 | N/A | N/A | |||||
| 900000969 | XX | XX | Closed | 2025-09-12 12:17 | 2025-09-17 14:52 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Documentation
received, finding resolved - Due Diligence Vendor-09/XX/2025 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-09/XX/2025 Ready for Review-Document Uploaded. Please see attached Business Purpose Affidavit. - Buyer-09/XX/2025 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-09/XX/2025 |
Resolved-Documentation
received, finding resolved - Due Diligence Vendor-09/XX/2025 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-09/XX/2025 |
XX | FL | Investment | Purchase | NA | 5519018 | N/A | N/A |