J.P. Morgan Mortgage Trust 2025-3 ABS-15G

Exhibit 99.3

Customer Loan ID

Loan Exception ID

Exception ID

Exception Date

Exception Type

Exception Category

Exception Subcategory

15E Category

Exception

Exception Detail

Exception Information

Compensating Factors

Compensating Factor Information

Applying Party

Follow-up Comments

Cleared Date

Cured Date

Waived Date

Exception Level Grade

DBRS Initial Exception Rating

DBRS Final Exception Rating

Fitch Initial Exception Rating

Fitch Final Exception Rating

Kroll Initial Exception Rating

Kroll Final Exception Rating

Moody's Initial Exception Rating

Moody's Final Exception Rating

S&P Initial Exception Rating

S&P Final Exception Rating

Note Date

Property State

Occupancy

Purpose

Exception Remediation

Overall Initial Loan Grade

Overall Final Loan Grade

Credit Initial Loan Grade

Credit Final Loan Grade

Compliance Initial Loan Grade

Compliance Final Loan Grade

Property Initial Loan Grade

Property Final Loan Grade

Originator QM ATR Status

TPR QM ATR Status

Is Curable

303766958

26885989

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

09/09/2022

1

C

A

C

A

C

A

C

A

C

A

FL

Second Home

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304378988

31506269

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.

xxxx

xxxx

09/09/2024

1

C

A

C

A

C

A

C

A

C

A

IN

Primary

Refinance - Cash-out - Other

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304378988

31506270

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee.  Fee Amount of $837.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

09/09/2024

1

C

A

C

A

C

A

C

A

C

A

IN

Primary

Refinance - Cash-out - Other

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304378988

31506271

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

09/17/2024

1

C

A

C

A

C

A

C

A

C

A

IN

Primary

Refinance - Cash-out - Other

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304378988

31664517

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

09/17/2024

1

A

A

A

A

A

IN

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304386404

31685602

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Fraud Report not provided

xxxx

xxxx

09/26/2024

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304388654

31784177

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Amount Financed Test

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx).

xxxx

xxxx

10/21/2024

1

C

A

C

A

C

A

C

A

C

A

MA

Primary

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304388654

31784178

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx).

xxxx

xxxx

10/21/2024

1

C

A

C

A

C

A

C

A

C

A

MA

Primary

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304398807

31862513

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.

xxxx

2

B

B

B

B

B

B

B

B

B

B

FL

Primary

Purchase

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304398807

31862514

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.

xxxx

2

B

B

B

B

B

B

B

B

B

B

FL

Primary

Purchase

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304398807

31862517

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee.  Fee Amount of $10,000.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

10/30/2024

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304398807

31862518

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $92.70 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

10/15/2024

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304398807

31862519

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $28,964.89 exceeds tolerance of $28,297.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

10/15/2024

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304398807

32042833

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

xxxx

12/12/2024

1

A

A

A

A

A

FL

Primary

Purchase

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304390731

31875815

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

xxxx

2

B

B

B

B

B

B

B

B

B

B

MN

Primary

Refinance - Rate/Term

C

B

B

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304390731

31875987

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $883.60 exceeds tolerance of $795.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

11/07/2024

2

C

B

C

B

C

B

C

B

C

B

MN

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

B

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304390731

31875990

Compliance

Compliance

State Compliance

Misc. State Level

Minnesota Tangible Net Benefit Disclosure Signed by Borrower

Minnesota Residential Mortgage Originator and Servicer Licensing Act:  Tangible Net Benefit Disclosure not signed by the Borrower prior to closing.

xxxx

2

B

B

B

B

B

B

B

B

B

B

MN

Primary

Refinance - Rate/Term

C

B

B

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304398645

31899017

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $995.00 exceeds tolerance of $750.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

11/22/2024

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304415814

31957692

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,560.00 exceeds tolerance of $1,395.00 plus 10% or $1,534.50.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

10/31/2024

2

C

B

C

B

C

B

C

B

C

B

NY

Second Home

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304416484

31968297

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.

xxxx

2

B

B

B

B

B

B

B

B

B

B

PA

Primary

Purchase

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304416484

31968377

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations.

xxxx

xxxx

10/31/2024

1

C

A

C

A

C

A

C

A

C

A

PA

Primary

Purchase

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304415812

32046331

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

xxxx

11/08/2024

1

C

A

C

A

C

A

C

A

C

A

CO

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304415812

32046453

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

xxxx

xxxx

11/08/2024

1

C

A

C

A

C

A

C

A

C

A

CO

Primary

Refinance - Cash-out - Other

No Defined Cure

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304429107

32084861

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

-

Only the first two pages of the xxxx 1040s were provided

xxxx

11/20/2024

1

C

A

C

A

C

A

C

A

C

A

DE

Second Home

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304429107

32084862

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

-

Only the first two pages of the xxxx 1040s were provided

xxxx

11/20/2024

1

C

A

C

A

C

A

C

A

C

A

DE

Second Home

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304429107

32084873

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

xxxx

11/20/2024

1

C

A

C

A

C

A

C

A

C

A

DE

Second Home

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304429107

32084894

Compliance

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $431.00 exceeds tolerance of $377.00 plus 10% or $414.70.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

11/11/2024

1

A

A

A

A

A

A

A

A

A

A

DE

Second Home

Purchase

Final CD evidences Cure

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304429107

32084895

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee.  Fee Amount of $314.00 exceeds tolerance of $300.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

11/11/2024

1

A

A

A

A

A

A

A

A

A

A

DE

Second Home

Purchase

Final CD evidences Cure

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304401094

32128752

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

xxxx

xxxx

01/10/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Second Home

Refinance - Cash-out - Other

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304401094

32128846

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

xxxx

11/20/2024

1

C

A

C

A

C

A

C

A

C

A

FL

Second Home

Refinance - Cash-out - Other

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304401094

32128857

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

xxxx

11/20/2024

1

C

A

C

A

C

A

C

A

C

A

FL

Second Home

Refinance - Cash-out - Other

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304385882

32134001

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

xxxx

xxxx

11/21/2024

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304385882

32134126

Compliance

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $232.05 exceeds tolerance of $183.00 plus 10% or $201.30.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

11/14/2024

1

A

A

A

A

A

A

A

A

A

A

FL

Primary

Purchase

Final CD evidences Cure

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304385882

32134127

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $92.70 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

11/14/2024

1

A

A

A

A

A

A

A

A

A

A

FL

Primary

Purchase

Final CD evidences Cure

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304366831

32164452

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $175.00 exceeds tolerance of $125.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

11/19/2024

1

A

A

A

A

A

A

A

A

A

A

IN

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304366831

32164509

Credit

Guideline

Guideline Issue

Guideline

Ineligible property type.

___

xxxx

The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

28.73082% DTI

SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

11/26/2024

2

C

B

C

B

C

B

C

B

C

B

IN

Primary

Refinance - Cash-out - Other

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304422953

32161900

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee.  Fee Amount of $61.59 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

12/11/2024

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304422953

32161934

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

xxxx

xxxx

01/10/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304426764

32161834

Credit

Legal / Regulatory / Compliance

Title / Lien Defect

Title

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

xxxx

01/21/2025

1

A

A

A

A

A

A

A

A

A

A

TX

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304426764

32161849

Credit

Title

Document Error

Title

The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

xxxx

01/21/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304426764

32163059

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

11/21/2024

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304416211

32194122

Credit

Insurance

Insurance Analysis

Insurance

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

xxxx

xxxx

11/23/2024

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Refinance - Rate/Term

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304423249

32287814

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

-

A YTD Paystub is missing from xxxx

xxxx

12/16/2024

1

C

A

C

A

C

A

C

A

C

A

CO

Primary

Purchase

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304423249

32287824

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.

-

xxxx

xxxx

12/20/2024

1

C

A

C

A

C

A

C

A

C

A

CO

Primary

Purchase

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304423249

32287837

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

xxxx

12/16/2024

1

C

A

C

A

C

A

C

A

C

A

CO

Primary

Purchase

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304418075

32287368

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Total Of Payments

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xx/xx/xxxx).  The disclosed Total of Payments in the amount of $xxxx is under disclosed by $xxxx compared to the calculated total of payments of $xxxx which exceeds the $100.00 threshold.

xxxx

xxxx

01/08/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable

C

B

A

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304418075

32604655

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx

Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/30/2025

2

B

B

B

B

B

CA

Primary

Purchase

C

B

A

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304427829

32293602

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

xxxx

xxxx

12/18/2024

1

C

A

C

A

C

A

C

A

C

A

NY

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304427829

32294601

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

xxxx

xxxx

01/02/2025

1

B

A

C

A

B

A

C

A

B

A

NY

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304427829

32294602

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor Guidelines Violation

General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.

xxxx

xxxx

01/02/2025

1

C

A

C

A

C

A

C

A

C

A

NY

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304427829

32296445

Credit

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

Guideline Requirement: PITIA reserves months discrepancy.

xxxx

xxxx

01/02/2025

1

C

A

C

A

C

A

C

A

C

A

NY

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304425741

32350629

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Amount Financed Test

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx).

xxxx

xxxx

12/24/2024

2

C

B

C

B

C

B

C

B

C

B

CO

Second Home

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304425741

32350630

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx).

xxxx

xxxx

12/24/2024

2

C

B

C

B

C

B

C

B

C

B

CO

Second Home

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304425741

32350631

Compliance

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $156.00 exceeds tolerance of $28.00 plus 10% or $30.80.  Sufficient or excess cure was provided to the borrower.

xxxx

xxxx

12/11/2024

1

A

A

A

A

A

A

A

A

A

A

CO

Second Home

Purchase

Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35)

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304437510

32376425

Compliance

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $264.00 exceeds tolerance of $225.00 plus 10% or $247.50.  Sufficient or excess cure was provided to the borrower.

xxxx

xxxx

12/13/2024

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Refinance - Rate/Term

Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35)

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304443230

32426117

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Total Of Payments

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xx/xx/xxxx).  The disclosed Total of Payments in the amount of $xxxx is under disclosed by $xxxx compared to the calculated total of payments of $xxxx which exceeds the $100.00 threshold.

xxxx

xxxx

01/13/2025

1

C

A

C

A

C

A

C

A

C

A

NH

Primary

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304437997

32426514

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

xxxx

Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx

Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

12/20/2024

2

B

B

B

B

B

B

B

B

B

B

FL

Primary

Purchase

C

B

B

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304437997

32426543

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

2

B

B

B

B

B

B

B

B

B

B

FL

Primary

Purchase

C

B

B

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304437997

32426549

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $10,353.20 exceeds tolerance of $6,176.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/15/2025

2

C

B

C

B

C

B

C

B

C

B

FL

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

B

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304398332

32422645

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements.

xxxx

xxxx

10/29/2024

1

B

A

B

A

B

A

B

A

B

A

MA

Primary

Refinance - Rate/Term

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304398332

32422647

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Require updated AUS & 1008 document as Tax Amount not matching as per Final CD/1003. Final CD reflects $xxxx used for property taxes per CD and in final review.

xxxx

10/29/2024

1

C

A

C

A

C

A

C

A

C

A

MA

Primary

Refinance - Rate/Term

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304398332

32422650

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Primary Residence xxxx is missing 09/24 payment.

xxxx

11/06/2024

1

C

A

C

A

C

A

C

A

C

A

MA

Primary

Refinance - Rate/Term

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304398332

32422651

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Provide corrected AUS and 1008  including  2nd home obligation with xxxx on property at xxxx. This was disclosed  on final 1003 as retained but  not included in DTI. V11 requires : All data points on the AUS should represent the loan attributes

xxxx

11/20/2024

1

A

A

A

A

A

MA

Primary

Refinance - Rate/Term

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304428748

32422907

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

xxxx

xxxx

11/12/2024

1

B

A

B

A

B

A

B

A

B

A

TX

Primary

Purchase

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304428748

32422910

Compliance

Loan Package Documentation

Application / Processing

Missing, Incorrect, or Incomplete Final or Initial 1003

Missing Document: Missing Lender's Initial 1003

xxxx

xxxx

11/12/2024

1

B

A

B

A

B

A

B

A

B

A

TX

Primary

Purchase

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304428748

32422911

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Approval not provided

xxxx

xxxx

11/12/2024

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304428748

32422912

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: AUS not provided

xxxx

xxxx

11/12/2024

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304428748

32422913

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Updated Appraisal Require with correct owner of record as seller name is xxxx where as appraisal noted xxxx. (Recent Deed shows property convey to xxxx)

xxxx

11/14/2024

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304423672

32422938

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2

xxxx

xxxx

11/14/2024

1

D

A

D

A

D

A

D

A

D

A

MA

Second Home

Purchase

D

A

A

A

A

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459046

32422943

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements.

xxxx

xxxx

11/22/2024

1

B

A

B

A

B

A

B

A

B

A

CA

Primary

Purchase

B

A

A

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304433064

32423095

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements.

xxxx

xxxx

11/22/2024

1

B

A

B

A

B

A

B

A

B

A

CA

Primary

Purchase

B

A

A

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304443149

32438431

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.

xxxx

xxxx

01/05/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459513

32440689

Credit

Guideline

Guideline Issue

Guideline

Ineligible property type.

___

xxxx

The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than or equal to 70%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score is above 680.

787 FICO

SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/07/2025

2

C

B

C

B

C

B

C

B

C

B

ID

Second Home

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304441700

32435734

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $92.70 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

12/18/2024

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304426353

32436206

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

xxxx

xxxx

12/30/2024

1

C

A

C

A

C

A

C

A

C

A

GA

Primary

Purchase

No Defined Cure

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459251

32435224

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

12/27/2024

1

B

A

C

A

B

A

C

A

B

A

KY

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304459251

32435225

Compliance

Compliance

Federal Compliance

ATR/QM Defect

QM Points and Fees 2021

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%).

xxxx

xxxx

12/27/2024

1

C

A

C

A

C

A

C

A

C

A

KY

Primary

Purchase

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459251

32435226

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee.  Fee Amount of $24,000.26 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

12/30/2024

1

C

A

C

A

C

A

C

A

C

A

KY

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304427794

32436339

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $375.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/03/2025

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304427794

32436369

Credit

Income / Employment

Income Documentation

Income / Employment

Verification(s) of employment is not within 10 business days of the Note.

-

xxxx

xxxx

01/02/2025

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304443013

32436073

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $780.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

12/18/2024

1

A

A

A

A

A

A

A

A

A

A

TX

Primary

Purchase

Final CD evidences Cure

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304443013

32436074

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee.  Fee Amount of $150.00 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

12/18/2024

1

A

A

A

A

A

A

A

A

A

A

TX

Primary

Purchase

Final CD evidences Cure

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304443013

32436133

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

- ___

xxxx

xxxx

12/31/2024

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304443013

32436139

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

2

B

B

B

B

B

B

B

B

B

B

TX

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304461926

32439256

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

- ___

xxxx

xxxx

12/31/2024

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304462386

32445720

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

12/28/2024

1

B

A

C

A

B

A

C

A

B

A

CA

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304462386

32445722

Compliance

Compliance

Federal Compliance

ATR/QM Defect

QM Points and Fees 2021

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%).

xxxx

xxxx

12/28/2024

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304443461

32448468

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $575.00 exceeds tolerance of $184.00 plus 10% or $202.40.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/13/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304443461

32448469

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $1,990.19 exceeds tolerance of $80.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/23/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304443461

32487635

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

- ___

xxxx

12/31/2024

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304444772

32446038

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $160.00 plus 10% or $176.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/20/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304470698

32457548

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

xxxx

xxxx

01/01/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

No Defined Cure

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304470698

32457858

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

xxxx

01/03/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304441874

32455533

Credit

Legal / Regulatory / Compliance

Title / Lien Defect

Title

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

xxxx

12/30/2024

1

A

A

A

A

A

A

A

A

A

A

UT

Second Home

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304441874

32455601

Credit

Title

Document Error

Title

The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

xxxx

xxxx

12/30/2024

1

C

A

C

A

C

A

C

A

C

A

UT

Second Home

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304441874

32455745

Credit

Guideline

Guideline Issue

Guideline

Ineligible property type.

___

xxxx

The representative FICO score is above 680. Borrower has verified disposable income of at least $2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than or equal to 70%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score exceeds the guideline minimum by at least 40 points.

760 credit score, minimum required is 680.

SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

12/26/2024

2

B

B

B

B

B

B

B

B

B

B

UT

Second Home

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459252

32482160

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

xxxx

xxxx

01/03/2025

1

C

A

C

A

C

A

C

A

C

A

NC

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458776

32457461

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee.  Fee Amount of $28,275.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

12/31/2024

1

C

A

C

A

C

A

C

A

C

A

NY

Primary

Refinance - Cash-out - Other

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304458776

32457462

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $541.10 exceeds tolerance of $500.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

12/31/2024

1

C

A

C

A

C

A

C

A

C

A

NY

Primary

Refinance - Cash-out - Other

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304458776

32516274

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $541.10 exceeds tolerance of $500.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

12/31/2024

1

A

A

A

A

A

NY

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304456417

32469525

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $170.00 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

12/23/2024

1

A

A

A

A

A

A

A

A

A

A

UT

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304458627

32480614

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee.  Fee Amount of $138.00 exceeds tolerance of $120.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

12/24/2024

1

A

A

A

A

A

A

A

A

A

A

TX

Primary

Purchase

Final CD evidences Cure

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304458627

32514066

Credit

Guideline

Guideline Issue

Guideline

Ineligible property type.

___

xxxx

The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

21.86873% DTI

SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/14/2025

2

C

B

C

B

C

B

C

B

C

B

TX

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304467575

32491252

Compliance

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

Notice of Right to Cancel Missing

Truth in Lending Act: Notice of Right to Cancel was not provided.

xxxx

01/10/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Refinance - Cash-out - Other

TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304467575

32513011

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

-

Missing RSU Agreement for co-borrowers employer with xxxx.

xxxx

01/27/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Cash-out - Other

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304467575

32513014

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

- ___

Missing RSU Agreement for borrowers employer with xxxx.

xxxx

01/28/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Cash-out - Other

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304467575

32513061

Credit

Credit

Credit Calculation / Analysis

Guideline

Guideline Requirement: Representative FICO score discrepancy.

Representative FICO score of ___ is less than Guideline representative FICO score of ___.

xxxx

The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score is above 680.

LTV of 74%, max allowed is 89.99%.

SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/03/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Refinance - Cash-out - Other

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304469963

32490407

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

xxxx

01/03/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Cash-out - Other

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304469963

32490412

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Refinance - Cash-out - Other

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304471168

32498662

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

xxxx

xxxx

01/09/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304436335

32510930

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $123.60 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/14/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Refinance - Cash-out - Other

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304436335

32645322

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than or equal to 70%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score is above 680.

SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/30/2025

2

B

B

B

B

B

CA

Primary

Refinance - Cash-out - Other

C

B

A

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304466803

32516717

Compliance

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

xxxx

2

B

B

B

B

B

B

B

B

B

B

WA

Primary

Refinance - Cash-out - Other

TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304422535

32518494

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

2

B

B

B

B

B

B

B

B

B

B

MO

Primary

Refinance - Rate/Term

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304422535

32518680

Compliance

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

Notice of Right to Cancel Missing

Truth in Lending Act: Notice of Right to Cancel was not provided.

xxxx

01/20/2025

2

C

B

C

B

C

B

C

B

C

B

MO

Primary

Refinance - Rate/Term

TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304422535

32520722

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $1,500.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

12/31/2024

1

A

A

A

A

A

A

A

A

A

A

MO

Primary

Refinance - Rate/Term

Final CD evidences Cure

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304422535

32522628

Credit

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___.

xxxx

The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

33.31207% DTI

SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/24/2025

2

C

B

C

B

C

B

C

B

C

B

MO

Primary

Refinance - Rate/Term

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304422535

32523290

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

xxxx

xxxx

01/24/2025

1

B

A

C

A

B

A

C

A

B

A

MO

Primary

Refinance - Rate/Term

Lender to provide updated ATR/QM status

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304422535

32523292

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor Guidelines Violation

General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.

xxxx

xxxx

01/24/2025

1

C

A

C

A

C

A

C

A

C

A

MO

Primary

Refinance - Rate/Term

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458243

32517919

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2

xxxx

xxxx

01/06/2025

1

D

A

D

A

D

A

D

A

D

A

CA

Primary

Purchase

D

A

A

A

A

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472753

32540859

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $13,593.72 exceeds tolerance of $12,188.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/08/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304472793

32547527

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

xxxx

2

B

B

B

B

B

B

B

B

B

B

MT

Primary

Refinance - Rate/Term

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472793

32551573

Compliance

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $240.00 exceeds tolerance of $0.00 plus 10% or $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/03/2025

1

A

A

A

A

A

A

A

A

A

A

MT

Primary

Refinance - Rate/Term

Final CD evidences Cure

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304472793

32552230

Credit

Guideline

Guideline Issue

Guideline

Ineligible property type.

___

xxxx

Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than or equal to 70%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

6 years self employed.

SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/03/2025

2

B

B

B

B

B

B

B

B

B

B

MT

Primary

Refinance - Rate/Term

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472654

32548998

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

2

B

B

B

B

B

B

B

B

B

B

UT

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472654

32549027

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

xxxx

xxxx

01/08/2025

1

C

A

C

A

C

A

C

A

C

A

UT

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472654

32549077

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $843.60 exceeds tolerance of $770.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/03/2025

1

A

A

A

A

A

A

A

A

A

A

UT

Primary

Purchase

Final CD evidences Cure

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304472709

32570051

Credit

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Borrower and Mortgage Eligibility

AUS Findings: Investor qualifying total debt ratio discrepancy.

xxxx

xxxx

01/09/2025

1

C

A

C

A

C

A

C

A

C

A

PA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472709

32570074

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor Guidelines Violation

General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.

xxxx

xxxx

01/09/2025

1

C

A

C

A

C

A

C

A

C

A

PA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472709

32570077

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

xxxx

xxxx

01/09/2025

1

B

A

C

A

B

A

C

A

B

A

PA

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304472747

32569569

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

01/08/2025

1

B

A

C

A

B

A

C

A

B

A

CA

Primary

Refinance - Cash-out - Other

Lender to provide updated ATR/QM status

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304472747

32569570

Compliance

Compliance

Federal Compliance

ATR/QM Defect

QM Points and Fees 2021

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%).

xxxx

xxxx

01/08/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Cash-out - Other

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304470074

32569603

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has verified disposable income of at least $2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx

Aggregator SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/07/2025

2

B

B

B

B

B

B

B

B

B

B

NC

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304470074

32569631

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $128.00 exceeds tolerance of $64.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/06/2025

1

A

A

A

A

A

A

A

A

A

A

NC

Primary

Purchase

Final CD evidences Cure

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304470074

32569632

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee.  Fee Amount of $145.90 exceeds tolerance of $75.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/06/2025

1

A

A

A

A

A

A

A

A

A

A

NC

Primary

Purchase

Final CD evidences Cure

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304470074

32584294

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

- ___

The AUS required 2 years W-2's.  There was no income provided for xxxx.

xxxx

01/15/2025

1

C

A

C

A

C

A

C

A

C

A

NC

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459178

32570599

Compliance

Compliance

Federal Compliance

ATR/QM Defect

QM Points and Fees 2021

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%).

xxxx

01/24/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Second Home

Refinance - Cash-out - Other

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459178

32570602

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

01/24/2025

1

B

A

C

A

B

A

C

A

B

A

CA

Second Home

Refinance - Cash-out - Other

Lender to provide updated ATR/QM status

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304459178

32570690

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

xxxx

xxxx

01/09/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Second Home

Refinance - Cash-out - Other

No Defined Cure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459178

32570691

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $123.25 exceeds tolerance of $100.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/29/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Second Home

Refinance - Cash-out - Other

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304437835

32593211

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: AUS not provided

xxxx

xxxx

01/08/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304470061

32593865

Property

Appraisal Reconciliation

Value Discrepancy

Appraisal Reconciliation

Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7

xxxx

xxxx

01/13/2025

1

C

A

C

A

C

A

C

A

C

A

NV

Primary

Refinance - Rate/Term

C

B

A

A

A

A

C

B

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304470061

32632627

Property

Appraisal Reconciliation

Value Discrepancy

Appraisal Reconciliation

Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22

Note Date:  ___; Lien Position: ___

xxxx

2

A

A

A

A

B

NV

Primary

Refinance - Rate/Term

C

B

A

A

A

A

C

B

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304442995

32593319

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

2

B

B

B

B

B

B

B

B

B

B

AZ

Primary

Refinance - Rate/Term

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304442995

32593536

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

xxxx

xxxx

01/10/2025

1

C

A

C

A

C

A

C

A

C

A

AZ

Primary

Refinance - Rate/Term

No Defined Cure

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304442995

32593537

Compliance

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $60.00 plus 10% or $66.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/08/2025

1

A

A

A

A

A

A

A

A

A

A

AZ

Primary

Refinance - Rate/Term

Final CD evidences Cure

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304442995

32593538

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $164.50 exceeds tolerance of $130.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/08/2025

1

A

A

A

A

A

A

A

A

A

A

AZ

Primary

Refinance - Rate/Term

Final CD evidences Cure

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304442995

32597273

Credit

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___.

xxxx

The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than or equal to 70%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score is above 680.

742 FICO

SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/14/2025

2

C

B

C

B

C

B

C

B

C

B

AZ

Primary

Refinance - Rate/Term

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304442995

32597285

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

xxxx

xxxx

01/14/2025

1

B

A

C

A

B

A

C

A

B

A

AZ

Primary

Refinance - Rate/Term

Lender to provide updated ATR/QM status

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304442995

32597286

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor Guidelines Violation

General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.

xxxx

xxxx

01/14/2025

1

C

A

C

A

C

A

C

A

C

A

AZ

Primary

Refinance - Rate/Term

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304442995

32599414

Compliance

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

xxxx

2

B

B

B

B

B

B

B

B

B

B

AZ

Primary

Refinance - Rate/Term

TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304470389

32602553

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

xxxx

Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score is above 680.

SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/30/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304471153

32602955

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee.  Fee Amount of $40,000.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304482975

32643981

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account.

xxxx

xxxx

01/21/2025

2

C

B

C

B

C

B

C

B

C

B

NM

Primary

Purchase

Letter of Explanation & Corrected Closing Disclosure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304482975

32643982

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Interim Closing Disclosure Timing Test

TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and was not received by borrower at least three (3) business days prior to consummation

xxxx

xxxx

01/21/2025

1

C

A

C

A

C

A

C

A

C

A

NM

Primary

Purchase

TRID timing exception, no remediation available.

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482975

32678775

Compliance

Compliance

Federal Compliance

TRID

TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $-2,807.33 exceeds tolerance of $-2,807.68. Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/21/2025

1

A

A

A

A

A

NM

Primary

Purchase

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304482981

32642884

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

xxxx

Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than or equal to 70%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx

Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/30/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Refinance - Rate/Term

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483012

32646375

Credit

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Borrower and Mortgage Eligibility

Guideline Requirement: Loan to value discrepancy.

Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___.

xxxx

The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score is above 680.

782 FICO

SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/23/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483019

32648193

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

ID

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483019

32690106

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

01/31/2025

1

A

A

A

A

A

ID

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304483019

32690107

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Income and Assets - Assets

General QM: Unable to verify assets using reasonably reliable third-party records.

xxxx

xxxx

01/31/2025

1

A

A

A

A

A

ID

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482951

32642970

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2

xxxx

xxxx

02/10/2025

1

D

A

D

A

D

A

D

A

D

A

CA

Primary

Purchase

D

A

A

A

A

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482951

32643003

Compliance

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $270.00 exceeds tolerance of $240.00 plus 10% or $264.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/15/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

D

A

A

A

A

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304482952

32642855

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

xxxx

Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx

Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/30/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482969

32644308

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien

TRID Final Closing Disclosure xx/xx/xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2.

xxxx

xxxx

01/24/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

Letter of Explanation & Corrected Closing Disclosure

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304482969

32707440

Compliance

Compliance

Federal Compliance

TRID

TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD

TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing.

xxxx

xxxx

01/24/2025

1

A

A

A

A

A

CA

Primary

Purchase

Letter of Explanation & Corrected Closing Disclosure

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304482945

32643517

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

xxxx

2

B

B

B

B

B

B

B

B

B

B

CO

Primary

Purchase

C

B

C

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482945

32643585

Compliance

Compliance

Federal Compliance

Missing Non-Required Data

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

xxxx

2

B

B

B

B

B

B

B

B

B

B

CO

Primary

Purchase

C

B

C

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482945

32646647

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

-

Missing xxxx W-2 from xxxx for co-borrower.  The AUS requires 2 years W-2's.

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

CO

Primary

Purchase

C

B

C

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482961

32644556

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $352.00 exceeds tolerance of $135.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/15/2025

1

A

A

A

A

A

A

A

A

A

A

VA

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304482956

32642894

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

xxxx

xxxx

01/21/2025

1

C

A

C

A

C

A

C

A

C

A

WI

Second Home

Purchase

No Defined Cure

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482956

32642895

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Interim Closing Disclosure Timing Test

TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and was not received by borrower at least three (3) business days prior to consummation

xxxx

xxxx

01/21/2025

1

C

A

C

A

C

A

C

A

C

A

WI

Second Home

Purchase

TRID timing exception, no remediation available.

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483001

32644375

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2

xxxx

01/16/2025

1

D

A

D

A

D

A

D

A

D

A

CA

Primary

Purchase

D

A

A

A

A

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482967

32643152

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

xxxx

Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than or equal to 70%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx

Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/29/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Refinance - Cash-out - Other

C

B

C

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482967

32643261

Compliance

Compliance

Federal Compliance

Missing Non-Required Data

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Refinance - Cash-out - Other

C

B

C

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482967

32643264

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $227.80 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/15/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

C

B

C

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304483000

32644943

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

01/23/2025

1

B

A

C

A

B

A

C

A

B

A

ID

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304483000

32644944

Compliance

Compliance

Federal Compliance

ATR/QM Defect

QM Points and Fees 2021

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%).

xxxx

01/23/2025

1

C

A

C

A

C

A

C

A

C

A

ID

Primary

Purchase

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482958

32643571

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

xxxx

01/18/2025

1

C

A

C

A

C

A

C

A

C

A

NV

Primary

Purchase

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482958

32643572

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2

xxxx

01/16/2025

1

D

A

D

A

D

A

D

A

D

A

NV

Primary

Purchase

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482958

32643732

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Loan Estimate Timing

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.

xxxx

xxxx

01/21/2025

1

C

A

C

A

C

A

C

A

C

A

NV

Primary

Purchase

No Defined Cure

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482997

32646331

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Fraud Report not provided

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

GA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482997

32646411

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,000.00 exceeds tolerance of $600.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/24/2025

1

C

A

C

A

C

A

C

A

C

A

GA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304482997

32649059

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

xxxx

01/18/2025

1

C

A

C

A

C

A

C

A

C

A

GA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482997

32649063

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

- ___

xxxx

xxxx

01/21/2025

1

C

A

C

A

C

A

C

A

C

A

GA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482997

32649069

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

xxxx

01/18/2025

1

C

A

C

A

C

A

C

A

C

A

GA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482997

32649077

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

xxxx

01/18/2025

1

C

A

C

A

C

A

C

A

C

A

GA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482997

32649078

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

xxxx

01/18/2025

1

C

A

C

A

C

A

C

A

C

A

GA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482954

32643040

Property

Appraisal Reconciliation

Value Discrepancy

Appraisal Reconciliation

Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22

Note Date:  ___; Lien Position: ___

2

A

A

A

A

A

A

A

A

B

B

AL

Primary

Purchase

B

B

A

A

A

A

B

B

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482954

32643045

Compliance

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $101.50 exceeds tolerance of $92.00 plus 10% or $101.20.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/15/2025

1

A

A

A

A

A

A

A

A

A

A

AL

Primary

Purchase

Final CD evidences Cure

B

B

A

A

A

A

B

B

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304482954

32643046

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,000.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/15/2025

1

A

A

A

A

A

A

A

A

A

A

AL

Primary

Purchase

Final CD evidences Cure

B

B

A

A

A

A

B

B

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304483027

32644706

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $650.00 exceeds tolerance of $625.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/15/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304483024

32644746

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

xxxx

The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score is above 680. Property inspected post disaster but pre-FEMA declaration of disaster end date.

762 FICO Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx

SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator

xxxx

01/30/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

C

B

C

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483024

32644793

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $-10,775.03 exceeds tolerance of $-11,635.65. Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

C

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304483024

32648214

Credit

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Borrower and Mortgage Eligibility

Guideline Requirement: Loan to value discrepancy.

Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___.

xxxx

The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score is above 680.

762 FICO

SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/23/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

C

B

C

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483011

32644925

Credit

Credit

Credit Documentation

Missing Document

Missing Document: Credit Report not provided

xxxx

xxxx

01/18/2025

1

D

A

D

A

D

A

D

A

D

A

FL

Primary

Purchase

D

A

D

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483011

32645047

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $-10,561.66 exceeds tolerance of $-12,164.00. Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/21/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

D

A

D

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304482960

32643403

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,095.00 exceeds tolerance of $895.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/15/2025

1

A

A

A

A

A

A

A

A

A

A

WA

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304482960

32643404

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee.  Fee Amount of $257.10 exceeds tolerance of $190.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/15/2025

1

A

A

A

A

A

A

A

A

A

A

WA

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304483007

32644285

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $520.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/21/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304482957

32645273

Compliance

Compliance

Federal Compliance

Missing Non-Required Data

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

xxxx

2

B

B

B

B

B

B

B

B

B

B

TX

Primary

Purchase

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482957

32645412

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

01/27/2025

1

B

A

C

A

B

A

C

A

B

A

TX

Primary

Purchase

Lender to provide updated ATR/QM status

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304482957

32645413

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - S-Corp

General QM: Unable to verify current S-Corp status using reasonably reliable third-party records.

xxxx

xxxx

01/27/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482957

32645436

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $409.70 exceeds tolerance of $300.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/15/2025

1

A

A

A

A

A

A

A

A

A

A

TX

Primary

Purchase

Final CD evidences Cure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304483002

32646142

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2

xxxx

01/16/2025

1

D

A

D

A

D

A

D

A

D

A

VA

Primary

Purchase

D

A

C

A

A

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483002

32648308

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

- ___

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

VA

Primary

Purchase

D

A

C

A

A

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483009

32643884

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $0.00 exceeds tolerance of $-44.00. Insufficient or no cure was provided to the borrower.

xxxx

xxxx

02/02/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304483009

32643885

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $2,283.75 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

02/02/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304483015

32644683

Property

Appraisal Reconciliation

Value Discrepancy

Appraisal Reconciliation

Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22

Note Date:  ___; Lien Position: ___

xxxx

2

A

A

A

A

A

A

A

A

B

B

WA

Primary

Purchase

C

B

A

A

C

A

B

B

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483015

32646522

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $-8,298.90 exceeds tolerance of $-8,649.00. Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/23/2025

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

A

B

B

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304482953

32643428

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

01/28/2025

1

B

A

C

A

B

A

C

A

B

A

CO

Primary

Purchase

Lender to provide updated ATR/QM status

C

B

C

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304482953

32643431

Compliance

Compliance

Federal Compliance

ATR/QM Defect

QM Points and Fees 2021

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%).

xxxx

xxxx

01/28/2025

1

C

A

C

A

C

A

C

A

C

A

CO

Primary

Purchase

C

B

C

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482953

32647665

Credit

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Borrower and Mortgage Eligibility

Guideline Requirement: Loan to value discrepancy.

Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___.

xxxx

The representative FICO score is above 680. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years.

738 FICO

SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC

xxxx

01/23/2025

2

C

B

C

B

C

B

C

B

C

B

CO

Primary

Purchase

C

B

C

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483013

32645306

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee.  Fee Amount of $120.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/23/2025

2

C

B

C

B

C

B

C

B

C

B

FL

Second Home

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304483013

32645307

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $950.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/29/2025

2

C

B

C

B

C

B

C

B

C

B

FL

Second Home

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304483013

32691999

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee.  Fee Amount of $120.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower.

xxxx

01/23/2025

1

A

A

A

A

A

FL

Second Home

Purchase

Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35)

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304483004

32644637

Credit

Disclosure

Missing Document

Disclosure

E-sign Consent Agreement is missing.

-

xxxx

xxxx

01/21/2025

1

C

A

C

A

C

A

C

A

C

A

DC

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304482985

32643529

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $165.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/15/2025

1

A

A

A

A

A

A

A

A

A

A

NY

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304482963

32643841

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $251.25 exceeds tolerance of $174.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/15/2025

1

A

A

A

A

A

A

A

A

A

A

GA

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304471155

32611802

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

2

B

B

B

B

B

B

B

B

B

B

MN

Primary

Refinance - Rate/Term

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487947

32645305

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee.  Fee Amount of $32.00 exceeds tolerance of $25.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/24/2025

2

C

B

C

B

C

B

C

B

C

B

NV

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304487951

32671995

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Fraud Report not provided

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Second Home

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487951

32671998

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

2

B

B

B

B

B

B

B

B

B

B

NJ

Second Home

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487951

32675254

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Second Home

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487950

32667308

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Fraud Report not provided

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487958

32662539

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

xxxx

Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx

Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/29/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487958

32662715

Credit

Hazard Insurance

Insufficient Coverage

Hazard Insurance

The Hazard Insurance Policy effective date is after the funds disbursed.

Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___

xxxx

xxxx

01/23/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487953

32663329

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Fraud Report not provided

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

AZ

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487952

32665134

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Fraud Report not provided

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487959

32668365

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Fraud Report not provided

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

NC

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487945

32644594

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Interim Closing Disclosure Timing Test

TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and was not received by borrower at least three (3) business days prior to consummation

xxxx

xxxx

01/24/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

TRID timing exception, no remediation available.

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487945

32644595

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Revised Loan Estimate Issue Date >  Closing Disclosure Issue Date

TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided.

xxxx

01/24/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

No Defined cure

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487945

32648582

Credit

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Borrower and Mortgage Eligibility

Guideline Requirement: Loan to value discrepancy.

Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___.

xxxx

The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

22.15066% DTI

SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/16/2025

2

B

B

B

B

B

B

B

B

B

B

FL

Primary

Purchase

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487957

32665152

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

xxxx

Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/30/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487957

32665230

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $250.00 exceeds tolerance of $216.00 plus 10% or $237.60.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/27/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304436760

32635537

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

2

B

B

B

B

B

B

B

B

B

B

TX

Primary

Refinance - Rate/Term

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304436760

32635853

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,790.00 exceeds tolerance of $895.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/15/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304436760

32635854

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $541.25 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/24/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304436760

32635855

Compliance

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

Notice of Right to Cancel Missing

Truth in Lending Act: Notice of Right to Cancel was not provided.

xxxx

xxxx

02/03/2025

2

C

B

C

B

C

B

C

B

C

B

TX

Primary

Refinance - Rate/Term

TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304436760

32640100

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

xxxx

xxxx

01/15/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Refinance - Rate/Term

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304436760

32700356

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,790.00 exceeds tolerance of $895.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/24/2025

1

A

A

A

A

A

TX

Primary

Refinance - Rate/Term

Final CD evidences Cure

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304458628

32637281

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

xxxx

01/18/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458628

32637284

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

xxxx

Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/30/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458628

32640331

Compliance

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $5,150.00 exceeds tolerance of $4,263.00 plus 10% or $4,689.30.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/14/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304471909

32636943

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

2

B

B

B

B

B

B

B

B

B

B

CO

Primary

Refinance - Rate/Term

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304474992

32635573

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $875.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/14/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304474992

32635574

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $292.00 exceeds tolerance of $282.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/14/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304474992

32642126

Credit

Loan Package Documentation

Closing / Title

Loan Package Documentation

Title search shows negative impact on title.

xxxx

The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

30.23083% DTI

SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/23/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304475218

32635529

Compliance

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $6,288.34 exceeds tolerance of $4,824.00 plus 10% or $5,306.40.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/14/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304475218

32635530

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $86.15 exceeds tolerance of $75.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/14/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304477522

32640799

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $503.84 exceeds tolerance of $400.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/14/2025

1

A

A

A

A

A

A

A

A

A

A

NY

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304477193

32645890

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

01/17/2025

1

B

A

C

A

B

A

C

A

B

A

TX

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304477193

32645891

Compliance

Compliance

Federal Compliance

ATR/QM Defect

QM Points and Fees 2021

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%).

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304477193

32645894

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $410.00 exceeds tolerance of $99.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/15/2025

1

A

A

A

A

A

A

A

A

A

A

TX

Primary

Purchase

Final CD evidences Cure

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304487827

32656982

Credit

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Borrower and Mortgage Eligibility

Guideline Requirement: Loan to value discrepancy.

Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___.

xxxx

The representative FICO score is above 680. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

739 FICO

SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/23/2025

2

C

B

C

B

C

B

C

B

C

B

WA

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487833

32646731

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Fraud Report not provided

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

MT

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487833

32646764

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee.  Fee Amount of $120.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/15/2025

1

A

A

A

A

A

A

A

A

A

A

MT

Primary

Purchase

Final CD evidences Cure

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304487828

32662678

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Fraud Report not provided

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487828

32662698

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2

xxxx

xxxx

01/29/2025

1

D

A

D

A

D

A

D

A

D

A

CA

Primary

Purchase

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487828

32662723

Credit

Insurance

Insurance Documentation

Insurance

Missing Document: Mortgage Insurance Certificate (MIC) not provided

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487828

32662772

Compliance

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $175.00 exceeds tolerance of $143.00 plus 10% or $157.30.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/17/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304487828

32662824

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Mortgage Insurance Payment

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan.

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304487835

32741652

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Fraud Report not provided

xxxx

xxxx

02/12/2025

1

C

A

C

A

C

A

C

A

C

A

AZ

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487830

32750684

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Fraud Report not provided

xxxx

02/12/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487836

32748589

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

xxxx

Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

02/06/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304470383

32657462

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

xxxx

xxxx

02/03/2025

1

B

A

C

A

B

A

C

A

B

A

CA

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304470383

32657463

Compliance

Compliance

Federal Compliance

ATR/QM Defect

QM Points and Fees 2021

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%).

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304470383

32659068

Credit

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Borrower and Mortgage Eligibility

AUS Findings: Investor qualifying total debt ratio discrepancy.

xxxx

xxxx

02/03/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304470383

32659069

Credit

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

xxxx

xxxx

02/03/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304470383

32659077

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 55.06955% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)

xxxx

xxxx

02/03/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304470383

32659128

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

xxxx

xxxx

02/03/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304432867

32657948

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

12/06/2024

1

B

A

C

A

B

A

C

A

B

A

FL

Primary

Purchase

Lender to provide updated ATR/QM status

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304432867

32657949

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Income and Assets - K-1 Less Than 25 Percent

General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records.

xxxx

xxxx

12/06/2024

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304432867

32657950

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Income and Assets - K-1 Less Than 25 Percent

General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records.

xxxx

xxxx

12/06/2024

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304432867

32657951

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Income and Assets - K-1 Less Than 25 Percent

General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records.

xxxx

xxxx

12/06/2024

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304432867

32657952

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Income and Assets - K-1 Less Than 25 Percent

General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records.

xxxx

xxxx

12/06/2024

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304432867

32657953

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Income and Assets - S-Corp

General QM: Unable to verify S-Corp income using reasonably reliable third-party records.

xxxx

xxxx

12/06/2024

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304432867

32657955

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: ___                  Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___

xxxx

Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than 3 years. Borrower's monthly mortgage payment has decreased by at least 20%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score is above 680.

SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

11/19/2024

2

B

B

B

B

B

B

B

B

B

B

FL

Primary

Purchase

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304398386

32657956

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

-

4506-C (xxxx) is missing for the co borrower xxxx.

xxxx

12/11/2024

1

C

A

C

A

C

A

C

A

C

A

LA

Primary

Refinance - Rate/Term

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304398386

32657959

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $410.00 exceeds tolerance of $230.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

12/17/2024

2

C

B

C

B

C

B

C

B

C

B

LA

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304321486

32658103

Compliance

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

Notice of Right to Cancel Missing

Truth in Lending Act: Notice of Right to Cancel was not provided.

xxxx

12/09/2024

1

C

A

C

A

C

A

C

A

C

A

MO

Primary

Refinance - Rate/Term

TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304321486

32658104

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $140.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

12/12/2024

1

C

A

C

A

C

A

C

A

C

A

MO

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304321486

32658105

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

12/12/2024

1

C

A

C

A

C

A

C

A

C

A

MO

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304321486

32658107

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

xxxx - verification of rent of $xxxx not provided for a year and 10 months in between primary residence.

xxxx

12/09/2024

1

C

A

C

A

C

A

C

A

C

A

MO

Primary

Refinance - Rate/Term

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304321486

32658108

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Provide a 1004D verifying that handrails have been added to the stairs in the garage.

xxxx

12/16/2024

1

A

A

A

A

A

MO

Primary

Refinance - Rate/Term

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304423647

32658242

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

xxxx

12/16/2024

1

C

A

C

A

C

A

C

A

C

A

MI

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304423647

32658243

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Tax Certificate not provided

xxxx

xxxx

12/16/2024

1

C

A

C

A

C

A

C

A

C

A

MI

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304423647

32658244

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

xxxx

xxxx

12/17/2024

1

B

A

B

A

B

A

B

A

B

A

MI

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304423647

32658245

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

12/10/2024

1

B

A

C

A

B

A

C

A

B

A

MI

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304437415

32658295

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

-

Form 1065 and Schedule K-1 for year xxxx for business "xxxx" is missing in file.

xxxx

12/18/2024

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304437415

32658296

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

xxxx

xxxx

12/17/2024

1

B

A

B

A

B

A

B

A

B

A

NJ

Primary

Refinance - Cash-out - Other

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304437415

32658298

Credit

Credit

Credit Calculation / Analysis

Guideline

Guideline Requirement: Representative FICO score discrepancy.

xxxx

xxxx

12/17/2024

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304437415

32658300

Compliance

Compliance

Federal Compliance

FACTA

FACTA Disclosure Missing

FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

xxxx

xxxx

12/17/2024

1

B

A

B

A

B

A

B

A

B

A

NJ

Primary

Refinance - Cash-out - Other

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304437415

32658302

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.

xxxx

xxxx

12/18/2024

1

B

A

B

A

B

A

B

A

B

A

NJ

Primary

Refinance - Cash-out - Other

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304437415

32658303

Compliance

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,000.00 exceeds tolerance of $875.00 plus 10% or $962.50.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

12/11/2024

1

A

A

A

A

A

A

A

A

A

A

NJ

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304437415

32658304

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $1,100.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

12/11/2024

1

A

A

A

A

A

A

A

A

A

A

NJ

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304437415

32658305

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Processing Fee.  Fee Amount of $35.00 exceeds tolerance of $30.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

12/11/2024

1

A

A

A

A

A

A

A

A

A

A

NJ

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304437415

32658306

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Other not provided

xxxx

xxxx

12/17/2024

1

C

A

C

A

C

A

C

A

D

A

NJ

Primary

Refinance - Cash-out - Other

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304437415

32658307

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

Missing Document: Pay History not provided

xxxx

xxxx

12/19/2024

1

A

A

A

A

A

NJ

Primary

Refinance - Cash-out - Other

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304437415

32658308

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

AUS reflects DTI of 35.80% and LAS reflects 40.015%, which exceeds the 3% tolerance. We will need AUS to be re-run along with an updated 1003/1008.

xxxx

12/20/2024

1

A

A

A

A

A

NJ

Primary

Refinance - Cash-out - Other

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458771

32663633

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

2

B

B

B

B

B

B

B

B

B

B

NV

Primary

Purchase

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304481548

32662355

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $86.00 exceeds tolerance of $72.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/17/2025

1

A

A

A

A

A

A

A

A

A

A

NE

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304459487

32662931

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

xxxx

Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx

Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/30/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304470325

32664535

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Amount Financed Test

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx).

xxxx

xxxx

02/05/2025

2

C

B

C

B

C

B

C

B

C

B

WA

Primary

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304470325

32664536

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx).

xxxx

xxxx

02/05/2025

2

C

B

C

B

C

B

C

B

C

B

WA

Primary

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304470325

32664537

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Total Of Payments

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xx/xx/xxxx).  The disclosed Total of Payments in the amount of $xxxx is under disclosed by $xxxx compared to the calculated total of payments of $xxxx which exceeds the $100.00 threshold.

xxxx

xxxx

02/05/2025

2

C

B

C

B

C

B

C

B

C

B

WA

Primary

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304470325

32664538

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $3,120.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

02/04/2025

2

C

B

C

B

C

B

C

B

C

B

WA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304471198

32677771

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/21/2025

1

A

A

A

A

A

A

A

A

A

A

NC

Primary

Purchase

Final CD evidences Cure

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304471198

32677856

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

xxxx

xxxx

01/28/2025

1

C

A

C

A

C

A

C

A

C

A

NC

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304481380

32680065

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

xxxx

2

B

B

B

B

B

B

B

B

B

B

NY

Primary

Refinance - Cash-out - Other

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304456467

32689966

Credit

Guideline

Guideline Issue

Guideline

Ineligible property type.

___

xxxx

The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score is above 680.

Good employment history, excellent credit and 16 months reserves

SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/22/2025

2

B

B

B

B

B

B

B

B

B

B

AZ

Primary

Purchase

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304440079

32690518

Compliance

Compliance

Federal Compliance

TRID

TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $0.00 exceeds tolerance of $-94.00. Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/22/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304480853

32680711

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

xxxx

Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx

Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/30/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304475220

32680140

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

xxxx

Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx

Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/30/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483428

32681662

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

xxxx

2

B

B

B

B

B

B

B

B

B

B

CO

Primary

Refinance - Rate/Term

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483428

32681678

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee.  Fee Amount of $94.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/22/2025

1

A

A

A

A

A

A

A

A

A

A

CO

Primary

Refinance - Rate/Term

Final CD evidences Cure

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304467577

32683508

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $196.00 exceeds tolerance of $190.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/22/2025

1

A

A

A

A

A

A

A

A

A

A

CO

Second Home

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304467571

32680468

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $877.70 exceeds tolerance of $850.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/22/2025

1

A

A

A

A

A

A

A

A

A

A

TN

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304470095

32682388

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $800.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/22/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304483427

32712207

Credit

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Borrower and Mortgage Eligibility

AUS Findings: Investor qualifying total debt ratio discrepancy.

xxxx

xxxx

02/11/2025

1

C

A

C

A

C

A

C

A

C

A

UT

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483427

32712246

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor Guidelines Violation

General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.

xxxx

02/11/2025

1

C

A

C

A

C

A

C

A

C

A

UT

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483427

32712251

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

xxxx

xxxx

02/11/2025

1

B

A

C

A

B

A

C

A

B

A

UT

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304481547

32715113

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

xxxx

xxxx

01/29/2025

1

C

A

C

A

C

A

C

A

C

A

CO

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304475175

32696686

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/23/2025

1

A

A

A

A

A

A

A

A

A

A

FL

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304472331

32704342

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $179.50 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/24/2025

1

A

A

A

A

A

A

A

A

A

A

NY

Second Home

Refinance - Rate/Term

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304439198

32707105

Credit

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Borrower and Mortgage Eligibility

AUS Findings: Investor qualifying total debt ratio discrepancy.

xxxx

xxxx

01/27/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304439198

32707115

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

xxxx

xxxx

01/27/2025

1

B

A

C

A

B

A

C

A

B

A

TX

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304439198

32707116

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor Guidelines Violation

General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.

xxxx

01/27/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304477345

32711156

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

01/28/2025

1

B

A

C

A

B

A

C

A

B

A

MI

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304477345

32711157

Compliance

Compliance

Federal Compliance

ATR/QM Defect

QM Points and Fees 2021

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%).

xxxx

01/28/2025

1

C

A

C

A

C

A

C

A

C

A

MI

Primary

Purchase

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304471798

32703476

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $2,450.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/24/2025

1

A

A

A

A

A

A

A

A

A

A

CO

Second Home

Purchase

Final CD evidences Cure

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304471798

32703477

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $1,305.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/24/2025

1

A

A

A

A

A

A

A

A

A

A

CO

Second Home

Purchase

Final CD evidences Cure

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304471798

32707199

Credit

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Borrower and Mortgage Eligibility

AUS Findings: Investor qualifying total debt ratio discrepancy.

xxxx

xxxx

01/27/2025

1

C

A

C

A

C

A

C

A

C

A

CO

Second Home

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304471798

32707262

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

xxxx

xxxx

01/27/2025

1

B

A

C

A

B

A

C

A

B

A

CO

Second Home

Purchase

Lender to provide updated ATR/QM status

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304471798

32707263

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor Guidelines Violation

General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.

xxxx

01/27/2025

1

C

A

C

A

C

A

C

A

C

A

CO

Second Home

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304471499

32700566

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $77.94 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower.

xxxx

01/24/2025

1

A

A

A

A

A

A

A

A

A

A

TX

Primary

Purchase

Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35)

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304484536

32714351

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $265.00 exceeds tolerance of $250.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/27/2025

1

A

A

A

A

A

A

A

A

A

A

NJ

Second Home

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304477491

32714887

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

xxxx

Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx

Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/31/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304471804

32723488

Compliance

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $350.00 exceeds tolerance of $265.00 plus 10% or $291.50.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/28/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304487621

32714222

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,593.50 exceeds tolerance of $2,867.00 plus 10% or $3,153.70.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/30/2025

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Refinance - Cash-out - Other

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304487621

32714223

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/30/2025

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Refinance - Cash-out - Other

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304487621

32714224

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $201.90 exceeds tolerance of $200.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/30/2025

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Refinance - Cash-out - Other

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304487621

32738381

Compliance

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,593.50 exceeds tolerance of $2,867.00 plus 10% or $3,153.70.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/30/2025

1

A

A

A

A

A

WA

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304487621

32738382

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $201.90 exceeds tolerance of $200.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/30/2025

1

A

A

A

A

A

WA

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304487620

32732605

Compliance

Compliance

Federal Compliance

ATR/QM Defect

QM Points and Fees 2021

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%).

xxxx

02/04/2025

1

C

A

C

A

C

A

C

A

C

A

AZ

Primary

Purchase

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487620

32732616

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

02/04/2025

1

B

A

C

A

B

A

C

A

B

A

AZ

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304487620

32732617

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $5,044.00 exceeds tolerance of $4,470.00 plus 10% or $4,917.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

02/05/2025

1

C

A

C

A

C

A

C

A

C

A

AZ

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304487620

32786344

Compliance

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $5,044.00 exceeds tolerance of $4,524.00 plus 10% or $4,976.40.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

02/05/2025

1

A

A

A

A

A

AZ

Primary

Purchase

Final CD evidences Cure

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304485240

32731734

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

xxxx

Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx

Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

02/05/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304485240

32731823

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee.  Fee Amount of $1.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/29/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304487937

32731123

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $11,232.00 exceeds tolerance of $32.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

02/02/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304487937

32741458

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Fraud Report not provided

xxxx

xxxx

02/01/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304486631

32731545

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

xxxx

2

B

B

B

B

B

B

B

B

B

B

FL

Primary

Purchase

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304481781

32739917

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $134.00 exceeds tolerance of $94.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

02/17/2025

2

C

B

C

B

C

B

C

B

C

B

AZ

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304485317

32740243

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

xxxx

Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/31/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487624

32740317

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

xxxx

2

B

B

B

B

B

B

B

B

B

B

AZ

Primary

Purchase

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304492922

32752089

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

xxxx

02/12/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304492381

32749620

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

xxxx

02/18/2025

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304471151

32748536

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

2

B

B

B

B

B

B

B

B

B

B

FL

Primary

Refinance - Rate/Term

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304471151

32774819

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $7,383.75 exceeds tolerance of $5,775.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

02/03/2025

1

A

A

A

A

A

A

A

A

A

A

FL

Primary

Refinance - Rate/Term

Final CD evidences Cure

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304470066

32769539

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

xxxx

02/05/2025

1

C

A

C

A

C

A

C

A

C

A

SC

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304481299

32776390

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

02/06/2025

1

B

A

C

A

B

A

C

A

B

A

NY

Primary

Refinance - Cash-out - Other

Lender to provide updated ATR/QM status

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304481299

32776391

Compliance

Compliance

Federal Compliance

ATR/QM Defect

QM Points and Fees 2021

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%).

xxxx

xxxx

02/06/2025

1

C

A

C

A

C

A

C

A

C

A

NY

Primary

Refinance - Cash-out - Other

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304481299

32776392

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $-989.86 exceeds tolerance of $-4,400.00. Insufficient or no cure was provided to the borrower.

xxxx

xxxx

02/07/2025

1

C

A

C

A

C

A

C

A

C

A

NY

Primary

Refinance - Cash-out - Other

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304487991

32787868

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

xxxx

2

B

B

B

B

B

B

B

B

B

B

AZ

Primary

Purchase

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304486630

32797396

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

xxxx

Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx

Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

02/10/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304487988

32801444

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

- ___

xxxx

xxxx

02/11/2025

1

C

A

C

A

C

A

C

A

C

A

CO

Primary

Refinance - Cash-out - Other

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483429

32800614

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Refinance - Cash-out - Other

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483429

32800648

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $92.70 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

02/06/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304494054

32812375

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $823.60 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

02/07/2025

1

A

A

A

A

A

A

A

A

A

A

TN

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304477346

32798171

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $-7,219.44 exceeds tolerance of $-8,995.00. Insufficient or no cure was provided to the borrower.

xxxx

xxxx

02/11/2025

1

C

A

C

A

C

A

C

A

C

A

AZ

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304422959

32801714

Credit

Disclosure

Missing Document

Disclosure

E-sign Consent Agreement is missing.

-

xxxx

xxxx

12/10/2024

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Purchase

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304422959

32801715

Credit

Asset

Asset Documentation

Asset

Gift Funds reflected on the CD, however supporting documentation was not found in file.

-

xxxx

xxxx

12/19/2024

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Purchase

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304422959

32801716

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

12/10/2024

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Purchase

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304422959

32801717

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

xxxx

xxxx

12/19/2024

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Purchase

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304422959

32801718

Compliance

Compliance

Federal Compliance

RESPA

RESPA Disclosure - List of Homeownership Counseling Organizations Missing

RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.

xxxx

12/19/2024

1

B

A

B

A

B

A

B

A

B

A

WA

Primary

Purchase

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304422959

32801720

Compliance

Compliance

Federal Compliance

TRID

TRID Settlement Service Provider Status

TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.

xxxx

xxxx

12/10/2024

1

A

A

A

A

A

A

A

A

A

A

WA

Primary

Purchase

No Defined Cure

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304422959

32801722

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,528.28 exceeds tolerance of $3,610.00 plus 10% or $3,971.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/15/2025

2

C

B

C

B

C

B

C

B

C

B

WA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304422959

32801723

Credit

Asset

Asset Calculation / Analysis

Asset

Guideline Requirement: Available for Reserves discrepancy.

xxxx

xxxx

12/19/2024

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Purchase

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304422959

32801724

Compliance

Compliance

Federal Compliance

TRID

TRID Post Close Closing Disclosure Evidence Principal Reduction Applied to Loan

Principal reduction not applied to tolerance cure due to missing evidence of applying principal reduction to the loan.

xxxx

01/15/2025

1

A

A

A

A

A

WA

Primary

Purchase

Informational / non-material exception indicating principal reduction reflected on a PCCD twas applied to cure TRID fee tolerance violation(s).

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304437855

32801736

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: ___                  Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___

Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

11/26/2024

2

B

B

B

B

B

B

B

B

B

B

FL

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304437855

32801737

Credit

Loan Package Documentation

Application / Processing

Insurance

Missing Document: Flood Certificate not provided

xxxx

12/09/2024

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304437855

32801738

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Borrower was staying on rent at current address xxxx is missing the 10/24 payment

xxxx

01/07/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304437855

32801739

Credit

Missing Document

General

Missing Document

Missing Document: Trust Agreement (Asset) not provided

xxxx

xxxx

12/20/2024

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304461936

32801752

Credit

Hazard Insurance

Insufficient Coverage

Hazard Insurance

The Hazard Insurance Policy effective date is after the funds disbursed.

Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___

xxxx

xxxx

12/19/2024

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304461936

32801753

Credit

Legal / Regulatory / Compliance

Title / Lien Defect

Title

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

xxxx

12/19/2024

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304461936

32801756

Credit

Title

Document Error

Title

The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

xxxx

xxxx

12/19/2024

1

B

A

B

A

B

A

B

A

B

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304461936

32801757

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

-

2 years Bonus income was used to qualify for B1 and we are missing the xxxx 1040 Tax Transcripts.  xxxx was provided.

xxxx

12/19/2024

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304461936

32802565

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

xxxx

02/24/2025

1

A

A

A

A

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459213

32801771

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

xxxx

xxxx

01/14/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459213

32801772

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

xxxx (Investment) is missing the 09/24 and 10/24 payments.

xxxx

12/30/2024

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459221

32801773

Credit

Missing Document

General

Missing Document

Missing Document: Trust Agreement (Asset) not provided

xxxx

xxxx

12/19/2024

1

C

A

C

A

C

A

C

A

C

A

MI

Second Home

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459221

32801775

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $90.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

12/13/2024

1

A

A

A

A

A

A

A

A

A

A

MI

Second Home

Purchase

Final CD evidences Cure

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304459221

32801776

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided

xxxx

xxxx

12/19/2024

1

C

A

C

A

C

A

C

A

C

A

MI

Second Home

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459221

32801777

Credit

Asset

Asset Calculation / Analysis

Asset

Guideline Requirement: Available for Reserves discrepancy.

xxxx

12/31/2024

1

A

A

A

A

A

MI

Second Home

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459221

32801778

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

AUS DTI is 38.34% and calculated DTI is 43.69%. Provide updated AUS/1003. 1008 matches.

xxxx

01/03/2025

1

A

A

A

A

A

MI

Second Home

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304416492

32801786

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

Mismatch of data related to Occupancy.

-

xxxx

xxxx

01/09/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Second Home

Refinance - Rate/Term

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304416492

32801788

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

-

Third Party Verification for business "xxxx" is missing in file

xxxx

01/08/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Second Home

Refinance - Rate/Term

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304416492

32801789

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Other not provided

xxxx

xxxx

01/08/2025

1

C

A

C

A

C

A

C

A

D

A

FL

Second Home

Refinance - Rate/Term

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304416492

32801790

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

xxxx

xxxx

01/10/2025

1

B

A

B

A

B

A

B

A

B

A

FL

Second Home

Refinance - Rate/Term

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304416492

32801791

Credit

Missing Document

General

Missing Document

Missing Document: Evidence of Access to Funds not provided

xxxx

xxxx

01/09/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Second Home

Refinance - Rate/Term

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472678

32801804

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

xxxx

xxxx

01/08/2025

1

B

A

B

A

B

A

B

A

B

A

FL

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472678

32801805

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

01/13/2025

1

B

A

C

A

B

A

C

A

B

A

FL

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304472678

32801806

Compliance

Compliance

Federal Compliance

ATR/QM Defect

QM Points and Fees 2021

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%).

xxxx

xxxx

01/13/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472678

32801811

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Verification for Mortgage for xxxx #xxxx for September, October, and November xxxx is missing. Verification of Rent for xxxx was not provided.

xxxx

01/16/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304443282

32801818

Credit

Credit

Credit Documentation

Credit

No evidence of fraud report in file

-

xxxx

xxxx

12/31/2024

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304443282

32801822

Compliance

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM.

xxxx

xxxx

01/08/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Cash-out - Other

TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304471160

32801824

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

01/21/2025

1

B

A

C

A

B

A

C

A

B

A

SC

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304471160

32801825

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Income and Assets - C-Corp 1120

General QM: Unable to verify C-Corp income using reasonably reliable third-party records.

xxxx

xxxx

01/21/2025

1

C

A

C

A

C

A

C

A

C

A

SC

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304471160

32801827

Credit

Missing Document

General

Missing Document

Missing Document: Source of Funds/Deposit not provided

xxxx

xxxx

01/06/2025

1

C

A

C

A

C

A

C

A

C

A

SC

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304471160

32801828

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations.

xxxx

xxxx

01/06/2025

1

C

A

C

A

C

A

C

A

C

A

SC

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304471160

32801829

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

12/23/2024

1

A

A

A

A

A

A

A

A

A

A

SC

Primary

Purchase

Final CD evidences Cure

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304471160

32801830

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $165.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

12/23/2024

1

A

A

A

A

A

A

A

A

A

A

SC

Primary

Purchase

Final CD evidences Cure

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304472689

32801833

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

-

1120S (xxxx), K-1 is missing for xxxx company along with all pages of the business return.

xxxx

01/10/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472689

32801837

Compliance

Compliance

Federal Compliance

Missing Disclosure

Notice of Special Flood Hazard Disclosure Not Provided Timely

FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.

xxxx

xxxx

12/23/2024

1

B

A

B

A

B

A

B

A

B

A

FL

Primary

Purchase

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472689

32801838

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations.

xxxx

xxxx

01/13/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472689

32801840

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

xxxx

xxxx

01/14/2025

2

B

B

B

B

B

B

B

B

B

B

FL

Primary

Purchase

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304466582

32801848

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

-

1084 or income worksheet is missing in file for both borrowers.

xxxx

01/03/2025

1

C

A

C

A

C

A

C

A

C

A

OR

Primary

Purchase

D

A

D

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304466582

32801849

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Other not provided

xxxx

xxxx

01/03/2025

1

C

A

C

A

C

A

C

A

D

A

OR

Primary

Purchase

D

A

D

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304466582

32801854

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

AUS is ineligible for concessions exceeding the total of the estimated closing costs, discounts points and prepaids. Provide AUS that is only ineligible for loan amount.

xxxx

01/06/2025

1

A

A

A

A

A

OR

Primary

Purchase

D

A

D

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472421

32801880

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

-

1084 or income worksheet is missing in file.

xxxx

01/21/2025

1

C

A

C

A

C

A

C

A

C

A

NC

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472421

32801882

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

NC

Primary

Purchase

No Defined Cure

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472421

32801883

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $13,503.36 exceeds tolerance of $9,480.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/23/2025

1

C

A

C

A

C

A

C

A

C

A

NC

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304454202

32801906

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements.

xxxx

xxxx

01/08/2025

1

B

A

B

A

B

A

B

A

B

A

SC

Primary

Refinance - Cash-out - Other

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304454202

32801908

Credit

Credit

Credit Documentation

Guideline

The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.

xxxx

xxxx

01/07/2025

1

C

A

C

A

C

A

C

A

C

A

SC

Primary

Refinance - Cash-out - Other

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304454202

32801909

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

AUS DTI is 30.49% and calculated DTI is 37.375%. Provide updated AUS/1003/1008. Expensed used to qualify was $xxxx versus lender’s $xxxx.

xxxx

01/13/2025

1

A

A

A

A

A

SC

Primary

Refinance - Cash-out - Other

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304471925

32801916

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

01/06/2025

1

B

A

C

A

B

A

C

A

B

A

TX

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304471925

32801917

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Income and Assets - Wages

General QM:  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE.

xxxx

xxxx

01/02/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304461025

32801934

Credit

Income / Employment

Income Documentation

Income / Employment

Verification(s) of employment is not within 10 business days of the Note.

-

xxxx

xxxx

01/09/2025

1

C

A

C

A

C

A

C

A

C

A

NC

Second Home

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304461025

32801935

Credit

Credit

Credit Documentation

Guideline

The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.

xxxx

xxxx

01/09/2025

1

C

A

C

A

C

A

C

A

C

A

NC

Second Home

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304470331

32801938

Compliance

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $5,452.50 exceeds tolerance of $4,862.00 plus 10% or $5,348.20.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/02/2025

1

A

A

A

A

A

A

A

A

A

A

MT

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304471808

32801944

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account.

xxxx

xxxx

01/14/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Second Home

Refinance - Cash-out - Other

Letter of Explanation & Corrected Closing Disclosure

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304471808

32801945

Credit

Credit

Credit Documentation

Credit

No evidence of fraud report in file

-

xxxx

01/13/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Second Home

Refinance - Cash-out - Other

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304471808

32801946

Credit

Insurance

Insurance Analysis

Insurance

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Second Home

Refinance - Cash-out - Other

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304471808

32801949

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Tax Certificate not provided

xxxx

xxxx

01/16/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Second Home

Refinance - Cash-out - Other

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304443914

32801982

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure PAD Fee

TILA-RESPA Integrated Disclosure – Loan Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Pad fee that was not allocated to a specific cost or service performed.

xxxx

xxxx

01/15/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Pad Refund Check if applicable, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304477556

32802007

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $14,458.26 exceeds tolerance of $14,451.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

xxxx

01/06/2025

1

A

A

A

A

A

A

A

A

A

A

PA

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304458640

32802009

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

01/14/2025

1

B

A

C

A

B

A

C

A

B

A

ID

Primary

Refinance - Cash-out - Other

Lender to provide updated ATR/QM status

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304458640

32802010

Compliance

Compliance

Federal Compliance

ATR/QM Defect

QM Points and Fees 2021

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%).

xxxx

xxxx

01/14/2025

1

C

A

C

A

C

A

C

A

C

A

ID

Primary

Refinance - Cash-out - Other

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458640

32802013

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

xxxx

xxxx

01/14/2025

1

B

A

B

A

B

A

B

A

B

A

ID

Primary

Refinance - Cash-out - Other

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304457954

32802014

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

xxxx

xxxx

01/14/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304457954

32802016

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

Missing Document: Missing Final 1003

xxxx

xxxx

01/16/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304457954

32802017

Credit

Missing Document

General

Missing Document

Missing Document: Source of Funds/Deposit not provided

xxxx

xxxx

01/14/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304457954

32802018

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

xxxx

xxxx

01/14/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304457954

32802019

Credit

Asset

Asset Calculation / Analysis

Asset

Guideline Requirement: Available for Reserves discrepancy.

xxxx

xxxx

01/14/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304457954

32802020

Credit

Guideline

Guideline Issue

Guideline

Missing required Transcripts (1040).

-

xxxx

xxxx

01/21/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304457954

32802021

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $10,685.43 exceeds tolerance of $9,498.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/15/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304457954

32802022

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $124.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/15/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304457954

32802023

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

xxxx

xxxx

01/14/2025

1

B

A

B

A

B

A

B

A

B

A

TX

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304457954

32802025

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $124.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

01/15/2025

1

A

A

A

A

A

TX

Primary

Purchase

Final CD evidences Cure

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304458707

32802041

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Fraud Report not provided

xxxx

xxxx

01/14/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802042

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Tax Certificate not provided

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802045

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

xxxx

xxxx

01/15/2025

1

B

A

B

A

B

A

B

A

B

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802046

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

xxxx

xxxx

01/17/2025

1

B

A

B

A

B

A

B

A

B

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802047

Compliance

Compliance

Federal Compliance

Missing Disclosure

Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing

FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure.

xxxx

xxxx

01/15/2025

1

B

A

B

A

B

A

B

A

B

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802049

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Partnership

General QM: Unable to verify current Partnership status using reasonably reliable third-party records.

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802050

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Partnership

General QM: Unable to verify current Partnership status using reasonably reliable third-party records.

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802051

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Partnership

General QM: Unable to verify current Partnership status using reasonably reliable third-party records.

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802052

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Partnership

General QM: Unable to verify current Partnership status using reasonably reliable third-party records.

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802053

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Partnership

General QM: Unable to verify current Partnership status using reasonably reliable third-party records.

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802054

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Partnership

General QM: Unable to verify current Partnership status using reasonably reliable third-party records.

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802055

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Partnership

General QM: Unable to verify current Partnership status using reasonably reliable third-party records.

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802056

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Partnership

General QM: Unable to verify current Partnership status using reasonably reliable third-party records.

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802057

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Partnership

General QM: Unable to verify current Partnership status using reasonably reliable third-party records.

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802058

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Partnership

General QM: Unable to verify current Partnership status using reasonably reliable third-party records.

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802059

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Partnership

General QM: Unable to verify current Partnership status using reasonably reliable third-party records.

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802060

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Partnership

General QM: Unable to verify current Partnership status using reasonably reliable third-party records.

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802061

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Partnership

General QM: Unable to verify current Partnership status using reasonably reliable third-party records.

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802062

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Partnership

General QM: Unable to verify current Partnership status using reasonably reliable third-party records.

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802065

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $2,500.00 exceeds tolerance of $2,063.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304458707

32802066

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $940.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304458707

32802067

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan).  Fee Amount of $174.00 exceeds tolerance of $134.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304458707

32802068

Compliance

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

Right of Rescission Timing - Note Date used as Transaction Date

Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements

xxxx

01/21/2025

1

B

A

B

A

B

A

B

A

B

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304458707

32802069

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

01/22/2025

1

B

A

C

A

B

A

C

A

B

A

NJ

Primary

Refinance - Cash-out - Other

Lender to provide updated ATR/QM status

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304458707

32802070

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

-

Third Party Verification of self employed businesses, credit exception.

xxxx

01/23/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304485152

32802104

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Tax Certificate not provided

xxxx

xxxx

01/21/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459766

32802113

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Require updated 1008 Underwriter transmittal summary with correct LTV/CLTV updated or provide the missing AUS. LTV/CLTV is be based on the lower of the two appraisal values per guide however lender considered the high of appraisal value $xxxx and second appraisal value $xxxx and Sales Price $xxxx (75%.00) however calculated LTV/CLTV based on lower of appraisal value $xxxx and Sales Price $xxxx 75.54%.

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459766

32802114

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: AUS not provided

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459766

32802115

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

-

Require Third Party Verification from business entity "xxxx" for both the borrowers. CPA letter available but business name not stated on the letter. Third party state verification is not dated

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304492831

32809835

Compliance

Legal / Regulatory / Compliance

Anti-Predatory Violation

Federal Defect

(Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided)

Truth in Lending Act (HOEPA):  HOEPA disclosure was not provided to the Borrower

xxxx

xxxx

02/11/2025

1

C

A

C

A

C

A

C

A

C

A

CO

Primary

Refinance - Cash-out - Other

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304492831

32809836

Compliance

Legal / Regulatory / Compliance

Anti-Predatory Violation

Federal Defect

(Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees)

Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees.

xxxx

xxxx

02/11/2025

1

C

A

C

A

C

A

C

A

C

A

CO

Primary

Refinance - Cash-out - Other

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304492831

32809837

Compliance

Legal / Regulatory / Compliance

Anti-Predatory Violation

Federal Defect

(Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge)

Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days.

xxxx

xxxx

02/11/2025

1

C

A

C

A

C

A

C

A

C

A

CO

Primary

Refinance - Cash-out - Other

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304492831

32809838

Compliance

Compliance

Federal Compliance

Federal Defect

(Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees)

Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%).  Non-Compliant High Cost Loan.

xxxx

xxxx

02/11/2025

1

C

A

C

A

C

A

C

A

C

A

CO

Primary

Refinance - Cash-out - Other

(1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304492831

32809839

Compliance

Legal / Regulatory / Compliance

Anti-Predatory Violation

Federal Defect

(Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement)

Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling.

xxxx

xxxx

02/11/2025

1

C

A

C

A

C

A

C

A

C

A

CO

Primary

Refinance - Cash-out - Other

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304492831

32809841

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

02/11/2025

1

B

A

C

A

B

A

C

A

B

A

CO

Primary

Refinance - Cash-out - Other

Lender to provide updated ATR/QM status

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304492831

32809842

Compliance

Compliance

Federal Compliance

ATR/QM Defect

QM Points and Fees 2021

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%).

xxxx

xxxx

02/11/2025

1

C

A

C

A

C

A

C

A

C

A

CO

Primary

Refinance - Cash-out - Other

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304492831

32809843

Compliance

Compliance

State Compliance

State Defect

(State High Cost Disclosure) Colorado Covered Loan (Consumer Caution Notice Not Provided)

Colorado Covered Loan:  Consumer Caution Notice not provided to borrower.

xxxx

xxxx

02/11/2025

1

C

A

C

A

C

A

C

A

C

A

CO

Primary

Refinance - Cash-out - Other

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304492831

32809844

Compliance

Compliance

State Compliance

State Defect

(State High Cost) Colorado Covered Loan (Points and Fees)

Colorado Consumer Equity Protection Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  5.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%).  Non-Compliant High Cost Loan.

xxxx

xxxx

02/11/2025

1

C

A

C

A

C

A

C

A

C

A

CO

Primary

Refinance - Cash-out - Other

For application prior to 1/10/14, no obvious cure. For applications on or after 1/10/14, same as DF HOEPA cure: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304492831

32809845

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

xxxx

xxxx

02/12/2025

1

C

A

C

A

C

A

C

A

C

A

CO

Primary

Refinance - Cash-out - Other

No Defined Cure

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304492831

32809905

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

2

B

B

B

B

B

B

B

B

B

B

CO

Primary

Refinance - Cash-out - Other

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304492831

32814101

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $305.00 exceeds tolerance of $299.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

02/07/2025

1

A

A

A

A

A

A

A

A

A

A

CO

Primary

Refinance - Cash-out - Other

Final CD evidences Cure

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304494363

32815322

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $118.51 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

02/10/2025

1

A

A

A

A

A

A

A

A

A

A

AZ

Primary

Refinance - Rate/Term

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304494361

32835549

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

xxxx

Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx

Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

02/12/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304494374

32848445

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $104.50 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing.

xxxx

02/14/2025

1

A

A

A

A

A

A

A

A

A

A

FL

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304440005

32874387

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Missing VOM for xxx #xxxx for xx/xxxx and xx/xxxx.

xxxx

12/24/2024

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304440005

32874388

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

xxxx

xxxx

12/31/2024

1

B

A

B

A

B

A

B

A

B

A

FL

Primary

Purchase

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304440005

32874389

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

- ___

Almost 70% of the qualifying income is sourced from Capital Gains. A 2-yr average from 1040s from sale of xxxx was used. Provide current evidence that more assets that can be sold if extra income is needed to make future mortgage loan payments from xxxx.

xxxx

01/24/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304440005

32874390

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Provide the missing purchase agreement addendum reflecting the purchase price as $xxxx.

xxxx

12/24/2024

1

A

A

A

A

A

FL

Primary

Purchase

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304440005

32874391

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Provide a corrected 1008, AUS, and Final 1003 that removes the $xxxx amount under Proposed Monthly payment.

xxxx

01/09/2025

1

A

A

A

A

A

FL

Primary

Purchase

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472677

32874409

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

xxxx

xxxx

01/23/2025

1

B

A

C

A

B

A

C

A

B

A

NC

Primary

Purchase

Lender to provide updated ATR/QM status

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304472677

32874410

Compliance

Compliance

Federal Compliance

RESPA

RESPA Disclosure - List of Homeownership Counseling Organizations Missing

RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.

xxxx

01/09/2025

1

B

A

B

A

B

A

B

A

B

A

NC

Primary

Purchase

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472677

32874412

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Schedule C

General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.

xxxx

xxxx

01/23/2025

1

C

A

C

A

C

A

C

A

C

A

NC

Primary

Purchase

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472677

32874413

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.

xxxx

xxxx

01/02/2025

2

B

B

B

B

B

B

B

B

B

B

NC

Primary

Purchase

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472677

32874414

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.

xxxx

xxxx

01/02/2025

2

B

B

B

B

B

B

B

B

B

B

NC

Primary

Purchase

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472677

32874415

Credit

Disclosure

Missing Document

Disclosure

E-sign Consent Agreement is missing.

-

xxxx

xxxx

01/15/2025

1

C

A

C

A

C

A

C

A

C

A

NC

Primary

Purchase

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472677

32874416

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

1003/Declarations:  F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes.  Missing  documented and/or does not meet guideline requirements.

-

xxxx

xxxx

01/10/2025

1

C

A

C

A

C

A

C

A

C

A

NC

Primary

Purchase

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472677

32874417

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: ___                  Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___

xxxx

Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/02/2025

2

B

B

B

B

B

B

B

B

B

B

NC

Primary

Purchase

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472677

32874419

Credit

Credit

Miscellaneous

Credit

Missing Document: Credit Payoff Statement(s) not provided

xxxx

xxxx

01/09/2025

1

C

A

C

A

C

A

C

A

C

A

NC

Primary

Purchase

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472677

32874420

Credit

Credit

Credit Documentation

Guideline

The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.

xxxx

xxxx

01/15/2025

1

C

A

C

A

C

A

C

A

C

A

NC

Primary

Purchase

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459397

32874422

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: AUS not provided

xxxx

xxxx

01/09/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Cash-out - Other

C

B

C

B

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459397

32874425

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

xxxx

xxxx

01/09/2025

1

B

A

B

A

B

A

B

A

B

A

CA

Primary

Refinance - Cash-out - Other

C

B

C

B

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459397

32874427

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Appraiser to provide a front photo of comparable 4.

xxxx

01/17/2025

1

A

A

A

A

A

CA

Primary

Refinance - Cash-out - Other

C

B

C

B

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304459397

32874428

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

Disaster Name: ___ Disaster Declaration Date: ___

xxxx

Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly mortgage payment has decreased by at least 20%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than or equal to 70%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The refinance has decreased the borrower's monthly debt payments by 20% or more. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. Property inspected post disaster but pre-FEMA declaration of disaster end date.

Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx

SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

xxxx

01/30/2025

2

B

B

B

B

B

CA

Primary

Refinance - Cash-out - Other

C

B

C

B

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472338

32874429

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements.

xxxx

xxxx

01/15/2025

1

B

A

B

A

B

A

B

A

B

A

FL

Primary

Refinance - Cash-out - Other

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304472338

32874432

Credit

Insurance

Insurance Analysis

Insurance

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

xxxx

xxxx

01/10/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Refinance - Cash-out - Other

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304471102

32874468

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $162.50 exceeds tolerance of $125.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/28/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304471102

32874469

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account.

xxxx

xxxx

01/14/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

Letter of Explanation & Corrected Closing Disclosure

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304471102

32874470

Credit

Credit

Credit Documentation

Guideline

Missing Document: Asset not provided

xxxx

xxxx

01/13/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304462356

32874472

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

-

4506-C xxxx & xxxx missing for borrower xxxx

xxxx

01/16/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304462356

32874474

Credit

Asset

Asset Documentation

Asset

Guideline Issue:Insufficient asset documentation.

-

xxxx

xxxx

01/16/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304462356

32874476

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations.

xxxx

xxxx

01/22/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304462356

32874477

Credit

Credit

Credit Documentation

Guideline

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

xxxx

xxxx

01/16/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304462356

32874480

Credit

Guideline

Guideline Issue

Guideline

Missing required Transcripts (1040).

-

xxxx

xxxx

01/28/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304462356

32874481

Credit

Guideline

Guideline Issue

Guideline

Missing required Transcripts (1040).

-

xxxx

xxxx

01/28/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304462356

32874483

Credit

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

xxxx

xxxx

01/23/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304462356

32874484

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

xxxx

xxxx

01/23/2025

1

B

A

C

A

B

A

C

A

B

A

CA

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304462356

32874485

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines

General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 53.91078% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.)

xxxx

xxxx

01/23/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304462356

32874486

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor Guidelines Violation

General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.

xxxx

xxxx

01/23/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304462255

32874495

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $5,295.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/27/2025

1

C

A

C

A

C

A

C

A

C

A

GA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304462255

32874498

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

-

Require document  to support Bonus income of $xxxx for YTD xxxx as provided WVOE does not mentioned xxxx YTD bonus amount.

xxxx

01/24/2025

1

C

A

C

A

C

A

C

A

C

A

GA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304462255

32874499

Credit

Credit

Credit Documentation

Guideline

Missing Document: Asset not provided

xxxx

xxxx

01/27/2025

1

C

A

C

A

C

A

C

A

C

A

GA

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483074

32874504

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2

xxxx

xxxx

01/23/2025

1

D

A

D

A

D

A

D

A

D

A

CA

Primary

Purchase

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483074

32874507

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $12,149.99 exceeds tolerance of $900.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/23/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304483074

32874508

Credit

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Borrower and Mortgage Eligibility

AUS Findings: Investor qualifying total debt ratio discrepancy.

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483074

32874509

Credit

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483074

32874511

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

xxxx

xxxx

01/17/2025

1

B

A

C

A

B

A

C

A

B

A

CA

Primary

Purchase

Lender to provide updated ATR/QM status

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304483074

32874512

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines

General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 50.94417% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.)

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304483074

32874513

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor Guidelines Violation

General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.

xxxx

xxxx

01/17/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304471729

32874531

Credit

Credit

Credit Documentation

Credit

No evidence of fraud report in file

-

xxxx

xxxx

01/24/2025

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304471730

32874544

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: AUS not provided

xxxx

xxxx

01/28/2025

1

C

A

C

A

C

A

C

A

C

A

SC

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304486395

32874578

Credit

Guideline

Guideline Issue

Guideline

Missing required Transcripts (1040).

-

xxxx

xxxx

01/28/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304486395

32874579

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Lender to confirm Departure residence "xxxx" Rental income, per Final 1003 it is $xxxx and per lease it is $xxxx (future date), no market rent available in the file, Additionally, HOA fee appears as monthly of $xxxx whereas Lender considered annually $xxxx/12 = $xxxx.

xxxx

01/29/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

304481262

32874588

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Commitment Fee.  Fee Amount of $2,256.95 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

xxxx

xxxx

01/28/2025

1

C

A

C

A

C

A

C

A

C

A

NC

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

304492053

32874607

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

xxxx

xxxx

01/30/2025

2

B

B

B

B

B

B

B

B

B

B

SC

Primary

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No