EX-99.11 12 exhibit99-11.htm CONSOLIDATED ANALYTICS DUE DILIGENCE STANDARD REPORT
Loan Number
Seller Loan Number
Originator
Last Name
Note Date
Original Balance
State
TPR QM ATR Status
Loan Status
Exception Date
Remediation Status
Exception ID
Exception Type
Exception Category
Exceptions
Exception Rebuttal
Exception Rebuttal Date
Exception Rebuttal Response
Exception Rebuttal Response Date
Compensating Factors
Initial Overall Loan Grade
Final Overall Loan Grade
Initial Exception Grade
Final Exception Grade
Initial Credit Grade
Final Credit Grade
Initial Property Valuation Grade
Final Property Valuation Grade
Initial Compliance Grade
Final Compliance Grade
Initial Overall Grade (DBRS/Morningstar)
Initial Credit Grade (DBRS/Morningstar)
Initial Property Valuation Grade (DBRS/Morningstar)
Initial Compliance Grade (DBRS/Morningstar)
Initial Overall Grade (Fitch)
Initial Credit Grade (Fitch)
Initial Property Valuation Grade (Fitch)
Initial Compliance Grade (Fitch)
Initial Overall Grade (Kroll)
Initial Credit Grade (Kroll)
Initial Property Valuation Grade (Kroll)
Initial Compliance Grade (Kroll)
Initial Overall Grade (Moodys)
Initial Credit Grade (Moodys)
Initial Property Valuation Grade (Moodys)
Initial Compliance Grade (Moodys)
Initial Overall Grade (S&P)
Initial Credit Grade (S&P)
Initial Property Valuation Grade (S&P)
Initial Compliance Grade (S&P)
Final Overall Grade (DBRS/Morningstar)
Final Credit Grade (DBRS/Morningstar)
Final Property Grade (DBRS/Morningstar)
Final Compliance Grade (DBRS/Morningstar)
Final Overall Grade (Fitch)
Final Credit Grade (Fitch)
Final Property Grade (Fitch)
Final Compliance Grade (Fitch)
Final Overall Grade (Kroll)
Final Credit Grade (Kroll)
Final Property Grade (Kroll)
Final Compliance Grade (Kroll)
Final Overall Grade (Moodys)
Final Credit Grade (Moodys)
Final Property Grade (Moodys)
Final Compliance Grade (Moodys)
Final Overall Grade (S&P)
Final Credit Grade (S&P)
Final Property Grade (S&P)
Final Compliance Grade (S&P)
2401000011
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/02/2025
Resolved
FCRE3604
Credit
HMDA Discrepancy(s) Noted
The following HMDA Discrepancy(s) have been noted: MDA discrepancy noted: Audit ULI XXX vs Lender ULI XXX, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.
CT XXX/XXX: Please see the attached ULI
05/05/2025
Lender provided ULI. COndition cleared.; Lender provided ULI. COndition cleared.; Lender provided ULI. COndition cleared.; Lender provided ULI. COndition cleared.
05/05/2025
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job.
C
A
B
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
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C
C
A
A
C
C
A
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A
A
A
A
A
A
A
2401000011
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/05/2025
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
05/05/2025
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
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A
A
A
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A
A
A
A
A
A
A
A
A
2401000013
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
05/13/2025
Resolved
FCRE3606
Credit
HMDA Data Tape Not Provided
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
    
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
05/19/2025
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job.
C
A
C
A
C
A
A
A
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
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C
C
A
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A
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A
2401000015
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/28/2025
Resolved
FCRE7347
Credit
Missing Lease Agreement
Missing fully completed lease agreement for departing residence as the lease agreement is missing dates specified for term of lease.
; ; Document Uploaded. lease agreement; Documentation received, RWT to review.;
08/11/2025
; Lease for XXX XXX Pl provided
08/11/2025
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
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A
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A
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A
A
A
A
2401000017
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
07/30/2025
Resolved
FCOM1206
Credit
The Note is Missing
The Note is Missing. The Note is missing. Cure - provide a executed copy of the Note.
; Document Uploaded. ; ;
08/07/2025
Note provided; The Note is Present.
08/07/2025
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
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A
A
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A
A
A
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A
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A
A
A
A
A
A
A
2401000019
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
08/12/2025
Resolved
FCRE1186
Credit
Audited DTI Exceeds AUS DTI
Audited DTI of XXX% exceeds AUS DTI of XXX% Audited DTI of XXX% exceeds AUS DTI of XXX%
; ; ; ; Documentation received, RWT to review.; Document Uploaded. ;
08/28/2025
Audited DTI of XXX% is less than or equal to AUS DTI of XXX% Initial audit DTI of XXX% which matched the provided XXX included the Auto installment loan with XXX, the loan has less than XXX payments remaining. Removing this debt reduced the DTI to XXX% matching the provided AUS
08/28/2025
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
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A
A
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A
A
A
A
A
A
A
2401000019
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
08/13/2025
Resolved
FCRE1324
Credit
Borrower 1 Tax Returns Not Signed
Borrower 1 Tax Returns Not Signed Borrower 1040s are not executed and/or no transcripts were provided
; Documentation received, RWT to review.; Document Uploaded. ; ; ;
08/28/2025
Borrower 1 Tax Returns Are Signed
08/28/2025
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
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A
2401000019
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
08/13/2025
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. The eSigned documents consent is missing. The blend document indicates the e consent is still pending
; ; ; ; Documentation received, RWT to review.; Document Uploaded. ;
08/20/2025
Evidence of eConsent is provided.
08/28/2025
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
D
A
B
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
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D
A
C
A
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A
A
A
A
A
A
A
2401000019
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
08/13/2025
Resolved
FCRE1185
Credit
AUS Partially Provided
AUS Partially Provided DU AUS dated XX/XX/XXXX does not match the final terms of the loan.
; Documentation received, RWT to review.; Please see forensic response provided today regarding AUS;
08/22/2025
AUS is not incomplete
08/28/2025
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
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2401000019
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
08/13/2025
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Missing initial LE
; ; ; ; Document Uploaded. ; Documentation received, RWT to review.; ;
08/20/2025
Initial LE provided; Exception resolved
08/20/2025
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
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D
D
A
C
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2401000019
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
08/13/2025
Resolved
finding-3635
Compliance
Charges That In Total Cannot Increase More Than XXX% Test
This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §1026.19(e)(3)(ii))]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset.
; ; Please see initial LE provided today. ; Document Uploaded. Documentation received, RWT to review.; ;
08/20/2025
Initial LE provided; Exception resolved
08/20/2025
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
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2401000019
XXXXX
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
08/13/2025
Resolved
finding-3515
Compliance
Initial Loan Estimate Delivery Date Test (from application)
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: [[(12 CFR ##_DM_##(iii)(A))]] The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. The Loan failed the initial Loan Estimate date test (from Application). The Initial LE issued on XX/XX/XXXX was not disclosed within XXX days of the application date, XXX/XXX/XXX. Cure- If a Loan Estimate was given within XXX days of the application provide a copy of the disclosure.
; ; ; Please see initial LE provided today. ; Document Uploaded. Documentation received, RWT to review.;
08/20/2025
Initial LE provided; Exception resolved
08/20/2025
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
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2401000021
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
08/21/2025
Resolved
FCRE1358
Credit
Borrower 2 W2/XXX Missing
Borrower 2 W2/XXX Missing. Missing the Co-Borrower’s W-2 from the prior year or written verification of employment (WVOE) that includes all year-to-date and prior year earnings as required by AUS.
; in file, pushed back to CA ; ;
08/22/2025
Borrower 2 W2/XXX Provided or Not Applicable (Number of Borrowers equals XXX) Two years W-2s for B2 provided in trailing documents
08/22/2025
Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
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D
D
A
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2401000023
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
09/03/2025
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. The Blend document in file shows e-consent is still pending
; Documentation received, RWT to review.; Document Uploaded. Please see attached document audit report with econsent.;
09/09/2025
Evidence of eConsent is provided.
09/10/2025
Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
B
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000023
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
09/03/2025
Resolved
FCRE7497
Credit
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
The Borrowers are retaining their current primary residence as investment. File is missing documentation to show if the 1st mortgage payment has escrows and evidence of the monthly insurance, taxes, and association dues totaling XXX per month per the Final 1003.
; Documentation received, RWT to review.; Document Uploaded. Please see attached mortgage stmt reflecting escrowed along with credit supplement. Also see monthly HOA Statement.;
09/10/2025
Proof of PITIA provided
09/10/2025
Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
D
A
D
A
A
A
B
A
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
D
D
A
B
A
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A
2401000025
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
09/03/2025
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##XXX### is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee. The COC did not indicate the reason the appraisal fee increased and the file did not contain an invoice
; Documentation received, RWT to review.; Document Uploaded. ;
09/11/2025
Valid COC provided; Exception resolved; Valid COC provided; Exception resolved
09/11/2025
Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
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C
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A
A
A
A
A
A
A
A
A
A
A
A
2401000027
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
09/04/2025
Resolved
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR  XXX(a)(XXX))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Provide proof of appraisal receipt prior to or at consummation is required.
; Document Uploaded. ; Documentation received, RWT to review.; ; ; ; ; Document Uploaded. ; Documentation received, RWT to review.; ; Document Uploaded. ; Documentation received, RWT to review.;
09/15/2025
Evidence of appraisal delivery provided.; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). The document provided indicates that the borrower chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation as required by XXX(a)(XXX); ; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). The document provided indicates that the borrower chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation as required by XXX(a)(XXX); The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). The document provided indicates that the borrower chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation as required by XXX(a)(XXX); invoices provided did not confirm receipt by the borrower
09/15/2025
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCCLTV of XXX%
B
A
B
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000029
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
09/05/2025
Resolved
FCRE0386
Credit
Borrower 1 Photo Identification not provided
Borrower 1 Photo Identification not provided.
; Document Uploaded. ; Documentation received, RWT to review.; can you point out in the guidelines where it States this is required please;
09/13/2025
Photo Identification provided.
09/13/2025
Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000029
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
09/05/2025
Resolved
FCRE0387
Credit
Borrower 2 Photo Identification not provided
Borrower 2 Photo Identification not provided.
; Document Uploaded. ; Documentation received, RWT to review.; can you point out in the guidelines where it States this is required, please;
09/13/2025
Photo Identification provided.
09/13/2025
Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000031
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
09/05/2025
Waived
FCOM3849
Compliance
Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR  XXX(a)(XXX))
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Cure - Provide evidence consumer received a copy of the appraisal XXX days prior to consummation XX/XX/XXXX or evidence the consumer waived their right to receive appraisal XXX days prior to consummation. The notice of right to receive the copy of the appraisal in file shows the borrower did not waive the XXX days
okay per XXXX ; ; Condition updated XXX ; Documentation received, RWT to review.; Document Uploaded. ;
09/10/2025
Client acknowledges EV2/B finding. Exception status changed to Waived per client’s email request.; Evidence of receipt provided shows XXX/XXX/XXX, however consummation was XXX/XXX/XXX. The notice of right to receive the copy of the appraisal in file shows the borrower did not waive the XXX days therefore the appraisal was not provided timely
09/10/2025
Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX
B
B
B
B
A
A
A
A
B
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2401000033
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
09/08/2025
Resolved
FPRO0951
Property
Condo Approval Missing
Condo Approval Missing. The XXX in file reflects Fannie Mae Condo Class V- Condo Project Review waived; however, XXX XXX AUS XXX require a condo limited review and all applicable documents which were not provided.
; ;
09/10/2025
Per Client, condo reviews are not required on detached condos or projects with XXX units or less. ; Condo Approval is provided.
09/10/2025
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.
B
A
B
A
A
A
B
A
A
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000035
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
09/10/2025
Resolved
FCRE3978
Credit
Missing Letter of Explanation (Credit)
XXX Inquires in the last XXX days were not addressed with a completed LOE
; Documentation received, RWT to review.; Document Uploaded. ;
09/14/2025
LOE for credit inquiries provided
09/14/2025
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000037
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
                      
A
A
A
A
A
A
A
A
                                                                                    
2401000039
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
09/11/2025
Resolved
FCOM9186
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. The eSigned documents consent is missing.
; Condition received, RWT to review ; Document Uploaded. ; ;
09/16/2025
Evidence of eConsent is provided.
09/16/2025
is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
B
A
B
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000041
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
                      
A
A
A
A
A
A
A
A
                                                                                    
2401000043
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
09/12/2025
Resolved
finding-3515
Compliance
Initial Loan Estimate Delivery Date Test (from application)
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: [[##XXX###]] The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required: Please provide evidence Borrower received Initial Loan Estimate within the required XXX days from Initial 1003 dated XX/XX/XXXX
; Documentation received, RWT to review.; Documentation received, RWT to review.; Document Uploaded. ; ; ;
09/17/2025
Initial LE provided; Exception resolved
09/17/2025
Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCCLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000043
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
09/12/2025
Resolved
finding-3635
Compliance
Charges That In Total Cannot Increase More Than XXX% Test
This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §1026.19(e)(3)(ii))]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Exception related to Missing initial Loan Estimate.
; ; Please confirm if this is accurate: prelim CD C $XXX; closing CD C is $XXX; difference XXX minus XXX% tolerance of XXX = cure to be XXX - please confirm if this is accurate and if correction/cure needs to be done as PR or refund to borrower? thanks ; ;
09/17/2025
Initial LE provided; Exception resolved; Initial LE provided; Exception resolved
09/17/2025
Original LTV is Below the Guideline Maximum - Calculated ##LE## is less than Guideline ##LE## | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated C##LE## is less than Guideline C##LE## | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000043
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
09/12/2025
Resolved
finding-3634
Compliance
Charges That Cannot Increase Test
This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $ lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##XXX### is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Exception related to Missing initial Loan Estimate.
; Documentation received, RWT to review.; Document Uploaded. Please confirm once you review the initial LE- thanks ; ;
09/17/2025
Initial LE provided; Exception resolved; Initial LE provided; Exception resolved
09/17/2025
Original LTV is Below the Guideline Maximum - Calculated ##LE## is less than Guideline ##LE## | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated C##LE## is less than Guideline C##LE## | Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000045
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
                      
A
A
A
A
A
A
A
A
                                                                                    
2401000047
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
09/18/2025
Resolved
FCOM5135
Compliance
Missing Required Affiliated Business Disclosure
Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, XXX. has affiliates. Provide the Affiliated Business disclosure dated within XXX days of application XXX/XXX/XXX.
; Documentation received in RWT review.; Document Uploaded. ;
09/24/2025
Required Affiliated Business Disclosure Documentation Provided
09/24/2025
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX
B
A
B
A
A
A
A
A
B
A
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2401000049
  
XXX
XXXXX
XX/XX/XXXX
$XXXXXX
XXX
QM: Safe Harbor APOR (APOR SH)
Loan Review Complete
                      
A
A
A
A
A
A
A
A