Client Name:
Client Project Name:	SEMT 2025-11
Start - End Dates:	5/26/2025 - 9/25/2025
Deal Loan Count:	187
Conditions Report 2.0
Loans in Report:	187
Loans with Conditions:	132
0 - Total Active Conditions
303 - Total Satisfied Conditions
		110 - Credit Review Scope
			2 - Category: Ability to Repay/Qualified Mortgage
			3 - Category: Application
			15 - Category: Assets
			10 - Category: Credit/Mtg History
			13 - Category: DTI
			46 - Category: Income/Employment
			3 - Category: Insurance
			3 - Category: Legal Documents
			12 - Category: Terms/Guidelines
			3 - Category: Title
		16 - Property Valuations Review Scope
			16 - Category: Appraisal
		177 - Compliance Review Scope
			21 - Category: Ability to Repay/Qualified Mortgage
			1 - Category: Borrower's Interest
			4 - Category: Compliance Manual
			2 - Category: Documentation
			16 - Category: RESPA
			4 - Category: Right of Rescission
			1 - Category: State Consumer Protection
			5 - Category: Texas Home Equity
			123 - Category: TILA/RESPA Integrated Disclosure
31 - Total Waived Conditions
		23 - Credit Review Scope
			1 - Category: Assets
			5 - Category: Credit/Mtg History
			1 - Category: DTI
			5 - Category: Income/Employment
			2 - Category: LTV/CLTV
			9 - Category: Terms/Guidelines
		2 - Property Valuations Review Scope
			2 - Category: Property
		6 - Compliance Review Scope
			2 - Category: RESPA
			4 - Category: Right of Rescission
©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

Client Name:
Client Project Name:	SEMT 2025-11
Start - End Dates:	5/26/2025 - 9/25/2025
Deal Loan Count:	187
Conditions Report 2.0
Loans in Report:	187
Loans with Conditions:	132

Loan Number

Original Principal Balance

State

Initial Lender ATR/QM Status

Loan Level ATR/QM Status

Initial Securitization Overall Loan Grade

Final Securitization Overall Loan Grade

Initial Securitization Credit Loan Grade

Final Securitization Credit Loan Grade

Initial Securitization Property Valuations Loan Grade

Final Securitization Property Valuations Loan Grade

Initial Securitization Compliance Loan Grade

Final Securitization Compliance Loan Grade

Initial S&P Overall Loan Grade

Final S&P Overall Loan Grade

Initial S&P Credit Loan Grade

Final S&P Credit Loan Grade

Initial S&P Property Valuations Loan Grade

Final S&P Property Valuations Loan Grade

Initial S&P Compliance Loan Grade

Final S&P Compliance Loan Grade

Condition Category

Condition Sub Category

Condition Status

Initial Securitization Condition Grade

Final Securitization Condition Grade

Initial S&P Condition Grade

Final S&P Condition Grade

Condition Code

Condition Description

Condition Material Indicator

Initial Comments

Client/Seller Response Comments

Conclusion Comments

TRID Error Type

Cure Method

Compensating Factors

409011483

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Borrower's Interest

Satisfied

B

A

B

A

CMPBI1616

XXXX Borrower Interest; Worksheet not properly dated

No

XXXX Borrower Interest Worksheet in file is not dated/ acknowledged by borrower

XXX Client provided XXX. Determination of Borrowers Interest XXX

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV of XXXis lower than guideline max LTV of XXX CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI of XXX is below guideline max CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified post close reserves of XXX required reserves XXX

409011483

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Inspection fee XXX added on the final CD XXX without a valid reason for the change on COC XXX. Both Appraisals, done in XXX, came back as "Subject to". Inspection fee was not disclosed till final CD XXX. Inspection was not disclosed timely. . Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.

XXX Client provided 2 copies of an XXX PCCD with XXX Lender Credit for tolerance cure and an LOE to borrower. Condition remains. Provide a copy of the XXX check and proof of shipment that includes tracking information.XXX Client provided duplicate copies of XXX PCCD's along with the XXX check. Condition remains for the proof of shipment that includes Tracking.XXX Client provided the shipping label and proof of shipment.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV of XXXis lower than guideline max LTV of XXX CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI of XXX is below guideline max CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified post close reserves of XXX required reserves XXX

409012814

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Credit

Application

Satisfied

B

A

B

A

CRDAPP1813

Undisclosed non-arm's length transaction

No

Page one of appraisal states: 'Non-arms length sale'.Provide Borrower LOE stating relationship for NAL.Subject to full review and may be subject to additional conditions.

XXX Client provided borrower LOX email stating do not know anyone in the transaction.  Response, the initial condition is per the appraiser statement on pg 1 of appraisal stating this is Non-arms length sale, with LOX from borrower no relationship unknown appraiser data stating as non-arms length sale.  Condition remains for appraiser comment on stating non-arms length sale. XXX Client provided updated appraisal reflecting as Arms length transaction

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1739: Postive mortgage payment history - xxx Comments:  XXX x XXX for XXX months

409013618

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Property Valuations

Property

Waived

C

B

C

B

PRVAPROP177

Property Issues Indicated

No

Subject property is listed for sale, ineligible per guidelines Appraiser states currently active

XXX Client provided exception approval for subject property was listed, ineligible per guidelines.

Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: verified reserves XX months with fico score XXX and DTI XXX

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI below guideline requirement of XXX. CFCFS5269: Minimal use of credit - xxx Comments:  Borrower is a very conservative credit user with minimal outstanding debt.

409013631

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing evidence to verify full PITIA payments for Primary residence, including hoa if applicable or evidence/statement from borrower that the REO is not in an HOA.

XXX Client provided the mortgage statement with escrow for Tax and Ins;  and DD redfin search show no HOA property is SFR

Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX.

409013631

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Required Affiliate Business Disclosure or FACTS not in file

XXX Client provided an attestation from Lender stating they have no affiliate relationships.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX.

409013631

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX.

409013631

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Initial CD XXX is not signed by borrower nor evidence found in file of borrower's receipt. Condition is pending receiving borrower's acknowledgment min XXX days prior to closing date.

XXX Client provided the missing XXX Initial CD.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX.

409013631

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST3036

Assets reflect unsourced deposits

No

Provide account statements required for sources of large deposits over $XXX into accounts being used for funds required for emd, cash to close and reserves; $XXX gift funds deposited (as reflected on Final 1003 also need to be sufficiently sourced in accordance to the XXX AUS Program and XXX Seller guides).

XXX Client provided statements to source large deposits

Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX.

409013631

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Missing an additional $XXX in borrower funds to meet the XXX AUS program reserves requirement; $XXX reserves; $XXX * XXX + REO $XXX * XXX= $XXX reserves required.

XXX Client provided additional asset accounts

Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX.

409013631

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Credit

Assets

Satisfied

D

A

D

A

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing full XXX months of all depository account statements needed to verify all funds required to close including emd; transaction histories provided only account for dates from XXX thru XXX and XXX thru XXX.Missing Gift Letter

XXX client provided additional asset statements

Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX.

409013631

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing evidence to verify full PITIA payments for Primary residence, including hoa if applicable or evidence/statement from borrower that the REO is not in an HOA.

XXX Client provided the mortgage statement to confirm PITI, and DD search shows no HOA

satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX.

409013631

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Missing lender's income calculation required for income analysis.

XXX Client provided the income calculation form

Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX.

409013631

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Provide rerun/updated DU reflecting actual appraisal value of $XXX; DU provided is listing the sale price of $XXX.

XXX Client provided updated DUAE with corrected appraised value $XXX

Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX.

409013631

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR101

Appraisal incomplete (missing map, layout, pages, etc)

No

Appraisal scan is insufficient/incomplete as the bottom of all pages are not visible; Provide subject appraisal with all pages fully scanned and containing all relevant data, including subject property photos.

XXX Client provided the full appraisal

Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX.

409013917

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing evidence of PITI for XXX XXX XXX used $XXX

XXX Client provided the mortgage statement confirming PITIA of $XXX

Satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX % CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower at current employment XXX years

409013956

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX we are satisfying to 1/A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  XXX years XXX months at current job CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Assets verified for reserves $XXX or XXX months PITI and required is XXX months PITI and XXX months for 3 financed REOS

409013956

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

XXX percent tolerance in amount of $XXX due to increased Recording fee on LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.

06/04/25 Client provided a XXX PCCD with cure, $XXX refund check, LOE and proof of shipment.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  XXX years XXX months at current job CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Assets verified for reserves $XXX or XXX months PITI and required is XXX months PITI and XXX months for 3 financed REOS

409013956

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC888

Income Amount is  Unsupported by Documentation in File

No

RSU income used to Qualify file has current stock price prior to close; Provide RSU calculation meeting GLs and Future vesting  using lower of Stock price or XXX week avg stock price used to qualify;  also missing XXX average stock price documentation

5/28 Client provided XXX week avg Stock price and RSU income WS

Satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  XXX years XXX months at current job CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Assets verified for reserves $XXX or XXX months PITI and required is XXX months PITI and XXX months for x financed REOS

409014270

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1739: Postive mortgage payment history - xxx Comments:  Borrowers have XXX months XXX x XXX on current mortgage CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX % DTI

409014919

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

A

A

D

A

B

A

D

A

A

A

D

A

B

A

Compliance

Documentation

Satisfied

B

A

B

A

CMPDOC2500

Some funds escrowed based on written agreement for completion of improvements to property

No

File has an approved exception for closing with an escrow hold back for landscaping $XXX; Exception is pending Missing signed escrow holdback agreement with evidence of funds held, no evidence of Hold back on HUD

XXX Client provided LOX stating escrow hold back reflected on CD.  Response, Agree.  In addition, Client provided executed copy of Escrow hold back agreement for repairs (was in file). XXX Client provided exception approval for missing evidence of release of escrow Holdback funds XXX Client provided release of escrowed funds

Satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  XXX years at current job CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX score  exceeds XXX min

409014919

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

A

A

D

A

B

A

D

A

A

A

D

A

B

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

The file does not contain a copy of the Affiliate Business Disclosure.

XXX Client provided a signed attestation from Lender stating as of XXX they do not have any affiliates.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  XXX years at current job CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX score  exceeds XXX min

409014919

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

A

A

D

A

B

A

D

A

A

A

D

A

B

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  XXX years at current job CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX score  exceeds XXX min

409014919

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

A

A

D

A

B

A

D

A

A

A

D

A

B

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR275

Completed "Subject To" w/o Completion Cert in File

No

1004D in file subject to completion of Landscaping; provide 1004D with all items completed

XXX Client provided exception approval for missing 1004D for completion of Landscaping work being completedXXX Client provided a 1004D showing all items are completed

Satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  XXX years at current job CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX score  exceeds XXX min

409014946

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Required Affiliate Business Disclosure or FACTS disclosure is missing in file

XXX Client provided a signed LOE from Lender stating they do not have any affiliated business arrangements use on any mortgage transaction.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 has XXX years at current job. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  B2 has XXX years XXX months at current job. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post close assets $XXX exceed required reserves $XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Representative score XXX exceeds XXX.

409014996

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees and Realtor Commission fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; xxx required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI; XXX max allowed.

409014996

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Credit

Assets

Waived

C

B

C

B

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Verified reserves of XXX or XXX months PITI; XXX or 12 months required.

XXX Client provided duplicate statements reviewed with file Verified reserves remain of XXX or XXX months PITI; XXX or 12 months required.XXX Client provided exception approval for short reserves, verified reserves XXX  months and required reserves needed are 12 months

Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: DTI XXX and fico score XXX

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; xxx required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI; XXX max allowed.

409015059

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

D

A

D

A

D

A

C

A

D

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Determine status upon review / receipt of B2 VOE clarification of Bonus

XXX Client provided employer LOX email stating unfortunately we not able to confirm future bonuses, however since you have provided a TM release, all we can do is provide paystub which show res/perf or FY bonus details in the earnings section.  Response, appears the Res/Perf is not RSU, appears to be a restricted performance bonus for B2 and provided SOS dated XXX for B1

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  At job since XXX

409015059

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

D

A

D

A

D

A

C

A

D

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3640

TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided

No

Zero tolerance in amount of $XXX due to added Extension fee $XXX on CD XXX with no Rate Lock extension or COC in file, increased Appraisal Inspection fee by $XXX on CD XXX with no COC, increased Appraisal fee by $XXX on CD XXX and increased Transfer Taxes by $XXX on CD XXX with no COC. Lender's credit of $XXX for tolerance cure is not sufficient. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund for $XXX and proof of delivery via shipping that includes tracking information

XXX Client provided the missing XXX COC for the Lock Extension. Re-testing still results in a Zero Tolerance violation of $XXX for the $XXX Appraisal increase, $XXX Inspection increase and $XXX Transfer Tax increase. The cure of $XXX at Closing is not sufficient. Borrower is due an additional $XXX refund, PCCD with increased tolerance cure, LOE and proof of delivery.XXX Client provided a COC reflecting Additional final inspection fee added along with an email commenting they redisclosed for the additional final inspection fee. Condition remains. Provide a valid reason why the additional final fee was added after the fact or PCCD with additional $XXX cure, copy of cure check, LOE to Borrower and evidence of shipment. XXX Client provided an email reflecting final was ordered in July. Due to report coming back at XXX% completion. Supporting documents Inspection XXX XXX% complete and final 1004D dated XXX received PC reflecting completion.

Condition Satisfied.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  At job since XXX

409015059

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

D

A

D

A

D

A

C

A

D

A

D

A

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

B1 VOE is missing reference Printout of valid, active business registration from regulatory website; required third party verification of 1120s employment.Please provide, meeting guidelines.May be subject to additional conditions upon review.

XXX Client provided SOS dated XXX for B1 self employment

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  At job since XXX

409015059

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

D

A

D

A

D

A

C

A

D

A

D

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC150

Income docs do not meet guidelines

No

BXX employer to confirm in writing 'Res/Perf' on paystubs, is truly a Bonus and not RSU, etc.This was used by Lender in Bonus calc along with 'FY Bonus'.Subject to income recalc and may be subject to additional conditions upon review.

XXX Client provided employer LOX email stating unfortunately we not able to confirm future bonuses, however since you have provided a TM release, all we can do is provide paystub which show res/perf or FY bonus details in the earnings section.  Response, appears the Res/Perf is not RSU, appears to be a restricted performance bonus.  end of year XXX paystubs in file along with YTD XXX to support prior earning history of both FY Bonus and Res/Perf.

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  At job since XXX

409015059

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

D

A

D

A

D

A

C

A

D

A

D

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR275

Completed "Subject To" w/o Completion Cert in File

No

Provide updated 1004d / completion report, due to the 1004d /completion report in file stating:"HAVE THE IMPROVEMENTS BEEN COMPLETED IN ACCORDANCE WITH THE REQUIREMENTS AND CONDITIONS STATED IN THE ORIGINAL APPRAISAL REPORT?  No. If No, describe any impact on the opinion of market value.The subject is approximately XXX% complete.Items left to be completed include: railings, patio door secured, painting, ceiling beam, fixtures, carpeting, etc. I have performed appraisal services regarding the property that is the subject of this report, within the three-year period immediately preceding acceptance of this assignment." May be subject to additional conditions upon review.

XXX Client provided updated 1004D with the railings, patio doors were secured, painting, ceiling beam, fixtures, and carpeting all were finished

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  At job since XXX

409015199

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Determine status upon review / receipt of missing VOES

XXX Client provided lender VVOE for: XXX, XXX, XXX, XXX along with SOS however SOS/VVOE was not provided for XXX. (main primary income).  Condition remains for SOS/VVOE for self employment w/XXX. XXX Client provided a employment VVOE : Borrower is XXX provide a valid 3rd party VOEXXX Client provided an approved exception for VVOE

Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409015199

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409015199

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC2488

Verbal verification of employment missing

No

For all positive XXX income sources used to qualify, provide third party VOES meeting guidelines.May be subject to additional conditions upon review.

8.29.2025 Client provided lender VVOE for: XXX, XXX, XXX, XXX along with SOS however SOS/VVOE was not provided for XXX(main primary income).  Condition remains for SOS/VVOE for self employment w/XXX. XXX Client provided a employment VVOE : Borrower is XXX provide a valid 3rd party VOEXXX Client provided an approved exception to allow the file with a direct VVOE for XXX Borrower

Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409015199

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Credit

Terms/Guidelines

Satisfied

B

A

B

A

CRDTER3490

Missing Patriot Act form

No

Provide third party executed Patriot Act form for both Borrowers

XXX Client provided executed XXX patriot act for both borrowers

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409015453

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.Provide documentation for $XXX/month Pension for B1

XXX Client provided Mavent however this condition is due to missing income documentation for B1; missing pension.  Condition remains XXX Client provided supporting docs for pension

Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves: $XXX or XXX months PITI CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX % LTV

409015453

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC888

Income Amount is  Unsupported by Documentation in File

No

Provide documentation for $XXX/month Pension for B1

XXX Client provided duplicate statements #XXX and #XXX (in file) however unable to determine the $XXX month pension for B1; condition remains for evidence of monthly pension of $XXX (calculation) that is being used from these accounts. XXX Client provided the same bank statements condition remains for evidence of monthly pension of $XXX (calculation) that is being used from these accounts. XXX Client provided calculation of distributions using Min distributions / XXX for each account with supporting statements

Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves: $XXX or XXX months PITI CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX % LTV

409015497

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX we are satisfying to 1/A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI; XXX% max allowed.

409015497

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3640

TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided

No

Zero tolerance in amount of $XXX due to increase in Appraisal fee by $XXX on LE XXX and increase in Credit Report fee by $XXX on CD XXX with no valid COC in file to support it. Lender's credit for tolerance cure $XXX is not sufficient enough to cover it. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund for $XXX

XXX Client provided the missing XXX COC and a XXX CD Revision Form indicating part of the Lender Cure included the $XXX cost to cure the Credit Report Fee. Condition remains. The XXX COC does not reflect a valid COC Reason for the increased Appraisal Fee. Borrower is due a $XXX refund for this increase. Provide a $XXX refund, PCCD with cure, LOE and proof of delivery that includes tracking information.XXX Client requested clarification. Condition remains. There was no valid reason given for the increase of the Appraisal fee on COC XXX. The other COC  XXX reflects that of the $XXX cure, $XXX was for the credit report and the $XXX was for a Title Settlement Agent fee.  The Appraisal fee remains for a $XXX refund.XXX Client requested review stating the Appraisal fee was $XXX on all Disclosures.  Condition remains. Initial CD XXX in file reflects an Appraisal fee of $XXX. XXX Client provided COC XXX, COC XXX with Duplicate LE XXX. Condition remains,  COC does not state a reason for the increase or that it is included in the cure amount.  Previous COC's reflected the cure was for $XXX- Credit report and $XXX Title fee Total $XXX.XXX Client provided PCCD XXX with no $XXX credit listed, LOE and Loan Transaction history reflecting Principal was applied XXX.

Condition Satisfied.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI; XXX% max allowed.

409015505

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX Guidelines allow xxx CFCFS2860: Good credit history - xxx Comments:  Borrower Has history of Good credit with 0 Late Payments > xxx Months CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  Borrower Has Good Mortgage payment history with 0 Late Payments > xx  Months

409015554

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure / FACTS sheet missing in file.

XXX Client provided a signed LOE from Lender stating they have no affiliate businesses.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments:  Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are $XXX or XXX months of PITIA Guidelines require XXX months or $XXX X XXX = $XXX

409015616

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves XXX or xxx months CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score XXX

409015703

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

B

A

B

A

CRDTER109

Cash Out Amount Exceeds Guidelines

No

The subject transaction XXX LTV allows a maximum cash-out XXX; Borrower received XXX. XXX guidelines for Unlimited Cash-Out, requires a maximum XXX LTV or cashout limit of XXX

XXX Client provided a lock changing the file to XXX AUS; XXX  Cash out is allowed per DU

Satisfied

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  xxx months with 0x30 Mortgage payment history exceeds guidelines of xxx months. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI below guideline requirement of XXX

409015743

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score XXX

409015915

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has been with current employer since XXX. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX LTV is XXX below the maximum allowable LTV of XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of xxx. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX months of PITI available in reserves; XXX  months required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI is below the maximum allowed DTI of XXX.

409015938

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX Guidelines allow xxx CFCFS2854: Significant time in profession - xxx Comments:  Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are XXX or xxx months of PITIA.Guidelines require 6 months or XXX X 6 = XXX

409016290

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; XXX required. CFCFS1734: Borrower has significant time at current job - xxx Comments:  XXX years, XXX months at current job.

409016342

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA2700

RESPA - List of homeowners counseling organizations not provided w/in 3 days of application

No

HCOL in file is dated XXX; application date is XXX - not provided within XXX days of application

XXX Client provided an approved exception for list not provided within XXX days of application

XXXX Initial and final grade 2/B

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds guideline minimum credit score of XXX. CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrowers have XXX, and XXX years with current employers. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post close reserves verified at $ XXX, required reserves are $ XXX.

409016348

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX*12= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min xxx. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI; max XXX%.

409016365

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

C

B

D

A

D

B

D

B

C

B

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing most recent XXX years of W2s for borrower's primary XXX income source to verify compensation to officers being used to calculate income.

XXX Client provided the W2s

Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min xxx. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX effective/reserves; XXX*15 + REO XXX*3= XXX reserves required. CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years.

409016365

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

C

B

D

A

D

B

D

B

C

B

D

A

Credit

Credit/Mtg History

Satisfied

B

A

B

A

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Missing mortgage payment history for REO at XXX reflecting 0x30 in the past XXX months; unable to determine when property was acquired. The property is partially encircled by subject property, being open to XXX.

XXX Client provided mortgage payment history from XXX for REO property: XXX and per payment history due to being commercial we do not report to the credit bureau

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min xxx. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX effective/reserves; XXX*15 + REO XXX*3= XXX reserves required. CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years.

409016365

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

C

B

D

A

D

B

D

B

C

B

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

Missing most recent XXX years of W2s for borrower's primary XXX ncome source to verify compensation to officers being used to calculate income.

XXX Client provided the XXX W2s

Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min xxx. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX effective/reserves; XXX*15 + REO XXX*3= XXX reserves required. CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years.

409016365

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

C

B

D

A

D

B

D

B

C

B

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Missing lender's XXX form 1084 or equivalent for review's XXX income analysis as required by XXX. Copy of liquidity analysis must be included in the loan file if the income analysis includes income from boxes 1, 2 or 3 on the K-1 that is greater than distributions indicated on the K-1. Once provided, review to verify income is still within tolerances and program parameters.

XXX Client provided Lender Cash Flow Income Analysis for XXX borrower supporting income used for qualifying

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min xxx. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX effective/reserves; XXX*15 + REO XXX*3= XXX reserves required. CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years.

409016365

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

C

B

D

A

D

B

D

B

C

B

D

A

Credit

Income/Employment

Waived

C

B

C

B

CRDINC2488

Verbal verification of employment missing

No

Missing verification of the existence of both of borrowers self-employments to be verified through a third-party source and be no more than thirty (30) calendar days prior to the Note date XXX. Third party verification can be from a CPA, regulatory agency or applicable licensing bureau. A borrowers website is not acceptable third-party source.

XXX Client provided SOS for XXX business however not dated.  Condition remains for dated SOS supporting active business prior to closing. XXX Client provided Lender VVOE post close dated XXX stating called the business and spoke to an employee to verify the business is still open and active and provided a XXX search of business.  Condition remains for acceptable 3rd party VVOE for XXX borrower, per guidelines.  XXX Client provided an approved exception to allow the file with a post close dated valid business license

Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; strong reserves,  Borrower credit score exceeds min required

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min xxx. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX effective/reserves; XXX*15 + REO XXX*3= XXX reserves required. CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years.

409016365

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

C

B

D

A

D

B

D

B

C

B

D

A

Credit

Terms/Guidelines

Waived

B

B

B

B

CRDTER109

Cash Out Amount Exceeds Guidelines

No

XXX securitization cash out amount exceeds the XXX guideline max for XXX loan amount, XXX LTV and >XXX qual score (XXX); XXX cash in hand to borrower at closing plus XXX payoff of non-subject LOC to XXX.

XXX Client provided an approved exception to allow the file with cash out of XXX

xxx final grade B

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min xxx CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX effective/reserves; XXX*15 + REO XXX*3= XXX reserves required. CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years.

409016365

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

C

B

D

A

D

B

D

B

C

B

D

A

Credit

Title

Satisfied

C

A

C

A

CRDTIL100

Potential title issue

No

Missing evidence of release of deed of trust from XXX for original amount of XXX dated XXX for the portion of subject property conveyed to borrowers as reflected on title evidence.

XXX Client provided executed by Borrower requesting closure of HELOC w/ XXX upon receipt of payoff

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min xxx. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX effective/reserves; XXX*15 + REO XXX*3= XXX reserves required. CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years.

409016365

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

C

B

D

A

D

B

D

B

C

B

D

A

Property Valuations

Property

Waived

C

B

C

B

PRVAPROP177

Property Issues Indicated

No

Subject property is on XXX acres as reflected on the appraisal and property report; max is 40 acres under XXX Program.

XXX Client provided an approved exception to allow the file with XXX acres

Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; strong reserves,   Borrower credit score exceeds min required

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min xxx. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX effective/reserves; XXX*15 + REO XXX*3= XXX reserves required. CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years.

409016521

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Compliance Manual

Satisfied

D

A

D

A

CMPMAN2956

Missing disclosure

No

Missing signed Final CD XXX for Borrower (XXX), only borrower 2 (XXX) in file.

XXX Client provided the signed XXX Final CD for the Borrower.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX LTV; max XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX effective/reserves; XXX*6= XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min xxx. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  xxmo. 0x30 mortgage payment history; 0x30x24 required.

409016592

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.

(No Data)

Condition Satisfied.

Numeric

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  Co-borrower has been with current employer since XXX. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX LTV is XXX below the maximum allowable LTV of XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of xxx. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX available in reserves; XXX in reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI is below the maximum allowed DTI of XXX.

409016592

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3618

TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing

No

Unable to test a loan product due to missing initial CD

XXX Client provided the missing XXX CD package.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  Co-borrower has been with current employer since XXX. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX LTV is XXX below the maximum allowable LTV of XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX available in reserves; XXX in reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI is below the maximum allowed DTI of XXX.

409016592

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Missing initial CD acknowledged by borrowers min 3 days prior to closing date.

XXX Client provided the missing XXX CD package.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  Co-borrower has been with current employer since XXX. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX LTV is XXX below the maximum allowable LTV of XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of xxx. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX available in reserves; XXX in reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI is below the maximum allowed DTI of XXX.

409016654

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3618

TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing

No

Unable to test a loan product due to missing initial CD

XXX Client provided the Initial XXX CD and Tracking.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds guideline minimum credit score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified post close reserves are $XXX, required reserves XXX. CFCFS1744: DTI below guideline requirement

409016654

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

CD XXX is the only CD in file. Missing initial CD acknowledged by all title holders min 3 days prior to closing date.

XXX Client provided the Initial XXX CD and Tracking.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds guideline minimum credit score of xxx. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified post close reserves are $XXX, required reserves XXX. CFCFS1744: DTI below guideline requirement

409016676

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX Guidelines allow xxx CFCFS2854: Significant time in profession - xxx Comments:  Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are XXX or xxx months of PITIA.Guidelines require xxx months or XXX X 18 = XXX

409016676

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero tolerance in amount of XXX due to increase in Appraisal fee on final CD XXX with no valid reasons documented on COC XXX (Appraisal invoice in file issued and paid by borrower on XXX. Fee not disclosed timely) Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.

XXX Client provided a duplicate copy of the XXX COC in file. Condition remains. The COC does not provide a valid change in circumstance for the increased Appraisal Fee, and additionally the COC states invoice received XXX yet the Invoice in file was issued and paid on XXX - timing would not be met for redisclosure. Borrower is due a refund of XXX, PCCD with tolerance cure, LOE and proof of delivery with tracking.XXX Client provided an XXX PCCD, LOE, Tracking and payment history reflecting a XXX principal reduction for the cure.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX Guidelines allow xxx CFCFS2854: Significant time in profession - xxx Comments:  Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are XXX or xxx months of PITIA.Guidelines require 18 months or XXX X 18 = XXX

409016681

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score XXX CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX

409016681

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Credit

Insurance

Satisfied

B

A

B

A

CRDINSR289

Insufficient Hazard Insurance Coverage

No

Missing RCE

XXX Client provided duplicate HOI policy in file however policy reflect dwelling coverage of XXX (unclear of this figure), provide updated correct HOI policy with verified dwelling coverage. XXX Client provided corrected Binder with sufficient coverage

Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score XXX CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX

409016690

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; xxx required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI; XXX max allowed.

409016713

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

C

B

D

A

D

A

D

B

C

B

D

A

D

A

Compliance

Compliance Manual

Satisfied

D

A

D

A

CMPMAN2956

Missing disclosure

No

Disclosure Tracking Details in file indicates LE XXX was issued and delivered to borrower but is missing in file.

XXX Client provided the missing XXX LE.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX reserves required by DU. CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years.

409016713

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

C

B

D

A

D

A

D

B

C

B

D

A

D

A

Credit

LTV/CLTV

Waived

C

B

C

B

CRDLTV3026

LTV Exceeds Guideline Requirement by at least 5%, but less than 10%

No

XXX% LTV exceeds the XXX% max for Agency Program guides.

XXX Client provided exception approval for LTV XXX% exceeding guidelines maximum of XXX%

Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: reserves of XXX with fico score XXX and having significant time in profession XXX years

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX reserves required by DU. CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years.

409016713

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

C

B

D

A

D

A

D

B

C

B

D

A

D

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA supporting $XXX appraisal value due to CU Score XXX.

XXX Client provided 3rd party CDA with Value: Indeterminate.  Condition remains for Field Review to support value XXX Client provided XXXl AVM dated XXX supporting value with FSD XXX and Confidence XXX%

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX reserves required by DU. CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years.

409016727

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

C

B

D

B

D

B

D

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID5043

TRID - CD: The Escrow Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Escrow Payment that xxx calculates.

No

Final CD XXX, section Projected Payments on page 1 - indication that borrower will have escrow account. On page 4 section Escrow Account - missing amounts for Annual and Initial escrows. Condition is pending receiving corrected PCD with LOE to borrower.

XXX Client provided an XXX PCCD with correction, LOE, COC and delivery.

Condition Satisfied.

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% CLTV below guideline requirements of XXX% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXX months with XXX x XXX Mortgage payment history exceeds guidelines of XXX months.

409016727

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

C

B

D

B

D

B

D

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID5741

TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null

No

The Projected Payments section of the Final Closing Disclosure: XXX reflects $XXX for monthly escrows, Section G does not contain any Escrow information.

XXX Client provided an XXX PCCD with correction, LOE, COC and delivery.

Condition Satisfied.

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% CLTV below guideline requirements of XXX% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXX months with XXX x XXX Mortgage payment history exceeds guidelines of XXX months.

409016727

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

C

B

D

B

D

B

D

A

C

B

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Letter from Fidelity Investment verifies a $XXX IRA automatic withdrawal plan effective XXX XXX, XXX from account#XXX. Missing verification of source, XXX account#XXX,  to validate sufficient assets to cover $XXX monthly withdrawals for a minimum of XXX years.

XXX Client provided an Email and supporting docs showing the Borrower has Sufficient IRA balance at XXX XXl to support the XXX monthly distribution and Client also provided evidence the XXX distribution is linked too the MM account

Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% CLTV below guideline requirements of XXX% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXX months with XXX x XXX Mortgage payment history exceeds guidelines of XXX months.

409016727

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

C

B

D

B

D

B

D

A

C

B

Credit

Terms/Guidelines

Waived

C

B

C

B

CRDTER4631

Loan parameters do not meet guidelines

No

Loan is a XXX transaction. XXX XXX guidelines indicate XXX Products are ineligible.

XXX Client provided an approved exception to allow the file with XXX loan

Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; LTV below GLs,  Borrower credit score exceeds min required

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% CLTV below guideline requirements of XXX% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXX months with XXX x XXX Mortgage payment history exceeds guidelines of XXX months.

409016727

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

C

B

D

B

D

B

D

A

C

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

FNMA UCDP CU Score > XXX. Missing CDA supporting appraised value $XXX with a XXX% variance.

XXX Client provided a CDA supporting the appraised value with a XXX% variance

Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% CLTV below guideline requirements of XXX% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXX months with XXX x XXX Mortgage payment history exceeds guidelines of XXX months.

409016764

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

D

B

D

B

D

B

D

A

D

B

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

1. Missing complete copy 2021 1040.  Missing statement 1 referenced on Schedule E.  Provide complete copy for review.2. Missing complete copy of 2021 1120S for XXX.  Missing statement 1 that itemizes other deductions. 3. Missing verification to clarify percent of ownership for both B1/B2 for both XXX and XXX.  The K1s provided for both entities for both 2022/2021 were issued jointly to both B1/B2.  No documentation in file identifies percent that each owns.4. Provide documentation to verify subject property tax on improved property.  Property taxes verified in file are prior to construction revisions to subject property.   Documentation to support $XXX per month used to qualify.5. Missing borrower letter of explanation or other satisfactory documentation to support no HOA expense on XXX as qualified with.6. Missing fully executed settlement statement from borrowers purchase of subject property in XXX.  Settlement statement to support no mortgage financing used to obtain the subject property. the source of funds used for the purchase needs to be documented.  If the source of funds used to acquire the subject property was a unsecured or secured loan the terms of the loan must be disclosed.

XXX Client provided exception approval for #1, 2 and #4 and #3 no issue and #5 and #6 are still outstanding, condition remains for documentation requested as a condition for #5, 6 8/27 Client provided an exception to allow without the HUD for #6 and also provided XXX search for HOA expense on XXX

Satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 XXX with XXX years XXX months at current job. CFCFS1736: Significant time at current residence - xxx Comments:  Borrowers have XXX years at current residence. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  B2 XXX with XXX years at current job. CFCFS1739: Postive mortgage payment history - xxx Comments:  Mortgage history reports XXX mos. XXX x XXX with previous mortgage reporting XXX mos. XXX x XXX.

409016764

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

D

B

D

B

D

B

D

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3952

TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established

No

Final CD XXX, Projected Payments section indicates Escrow Acct after XXX Yr IO vs. Loan Disclosures section indicates no Escrow Acct. Condition is pending receiving corrected PCD and LOE to borrower.

XXX Client provided an 8/1 PCCD with correction, LOE, COC and delivery.

Condition Satisfied.

Non-Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 XXX with XXX years XXX months at current job. CFCFS1736: Significant time at current residence - xxx Comments:  Borrowers have XXX years at current residence. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  B2 XXX with XXX years at current job. CFCFS1739: Postive mortgage payment history - xxx Comments:  Mortgage history reports XXX mos. XXX x XXX with previous mortgage reporting XXX mos. XXX x XXX.

409016764

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

D

B

D

B

D

B

D

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3966

TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected

No

Final CD XXX, in Loan Disclosures section, selection not indicated whether an Escrow Acct was declined vs. not offered; Corrected PCD & LOX missing.

XXX Client provided an 8/1 PCCD with correction, LOE, COC and delivery.

Condition Satisfied.

Non-Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 XXX with XXX years XXX months at current job. CFCFS1736: Significant time at current residence - xxx Comments:  Borrowers have XXX years at current residence. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  B2 XXX with XXX years at current job. CFCFS1739: Postive mortgage payment history - xxx Comments:  Mortgage history reports XXX mos. XXX x XXX with previous mortgage reporting XXX mos. XXX x XXX.

409016764

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

D

B

D

B

D

B

D

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID5742

TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null

No

Final CD XXX, in Loan Disclosures section, selection indicated for will not have an Escrow Acct, but Estimated Property Costs over Year 1 not indicated; Corrected PCD & LOX missing.

XXX Client provided an 8/1 PCCD with correction, LOE, COC and delivery.

Condition Satisfied.

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 XXX with XXX years XXX months at current job. CFCFS1736: Significant time at current residence - xxx Comments:  Borrowers have XXX years at current residence. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  B2 XXX with XXX years at current job. CFCFS1739: Postive mortgage payment history - xxx Comments:  Mortgage history reports XXX mos. XXX x XXX with previous mortgage reporting XXX mos. XXX x XXX.

409016764

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

D

B

D

B

D

B

D

A

D

B

Credit

Credit/Mtg History

Waived

C

B

C

B

CRDCRMH1805

Debts/obligations not disclosed/accounted for at origination

No

Provide documentation to verify subject property tax on improved property.  Property taxes verified in file are prior to construction revisions to subject property.  Documentation to support $XXX per month used to qualify.

XXX Client provided a Tax bill based on prior to new construction Provide the tax estimate used to qualify XXX Client provided exception approval for missing evidence of monthly subject taxes (new construction)

Upon further review by XXX XXX, exception is deemed non-material. Exception approved, B Grade with compensating factors:  DTI XXX% and LTV XXX%

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 XXX with XXX years XXX months at current job. CFCFS1736: Significant time at current residence - xxx Comments:  Borrowers have XXX years at current residence. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  B2 XXX with XXX years at current job. CFCFS1739: Postive mortgage payment history - xxx Comments:  Mortgage history reports XXX mos. XXX x XXX with previous mortgage reporting XXX mos. XXX x XXX.

409016764

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

D

B

D

B

D

B

D

A

D

B

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing borrower letter of explanation or other satisfactory documentation to support no HOA expense on XXX as qualified with.

7/30 Client provided a XXX search showing $XXX HOA dues; added to REO expenses

Satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 XXX with XXX years XXX months at current job. CFCFS1736: Significant time at current residence - xxx Comments:  Borrowers have XXX years at current residence. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  B2 XXX with XXX years at current job. CFCFS1739: Postive mortgage payment history - xxx Comments:  Mortgage history reports XXX mos. XXX x XXX with previous mortgage reporting XXX mos. XXX x XXX.

409016764

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

D

B

D

B

D

B

D

A

D

B

Credit

Income/Employment

Waived

D

B

D

B

CRDINC2408

Income verification does not meet guidelines

No

1. Missing complete copy XXX 1040.  Missing statement 1 referenced on Schedule E.  Provide complete copy for review.2. Missing complete copy of XXX 1120S for XXX.  Missing statement 1 that itemizes other deductions. 3. Missing verification to clarify percent of ownership for both B1/B2 for both XXX and XXX.  The K1s provided for both entities for both 2022/2021 were issued jointly to both B1/B2.  No documentation in file identifies percent that each owns.

XXX Client provided exception approval for missing the requested income documentation however still able to calculate income with the documents in file.

Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors:  DTI XXX% and LTV XXX%

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 XXX with XXX years XXX months at current job. CFCFS1736: Significant time at current residence - xxx Comments:  Borrowers have XXX years at current residence. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  B2 XXX with XXX years at current job. CFCFS1739: Postive mortgage payment history - xxx Comments:  Mortgage history reports XXX mos. XXX x XXX with previous mortgage reporting XXX mos. XXX x XXX.

409016764

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

D

B

D

B

D

B

D

A

D

B

Credit

Terms/Guidelines

Waived

C

B

C

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing fully executed settlement statement from borrowers purchase of subject property in XXX.  Settlement statement to support no mortgage financing used to obtain the subject property. the source of funds used for the purchase needs to be documented.  If the source of funds used to acquire the subject property was a unsecured or secured loan the terms of the loan must be disclosed.

XXX Client provided an approved exception to allow the file without the HUD from purchase of subject property

Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; long term job and residence,  Borrower credit score exceeds min required

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 XXX with XXX years XXX months at current job. CFCFS1736: Significant time at current residence - xxx Comments:  Borrowers have XXX years at current residence. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  B2 XXX with XXX years at current job. CFCFS1739: Postive mortgage payment history - xxx Comments:  Mortgage history reports XXX mos. XXX x XXX with previous mortgage reporting XXX mos. XXX x XXX.

409016764

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

D

B

D

B

D

B

D

A

D

B

Credit

Terms/Guidelines

Waived

C

B

C

B

CRDTER4631

Loan parameters do not meet guidelines

No

Final CD reflects $XXX construction holdback which is not allowed by XXX Program guides unless the holdback has been disbursed, and a certification of completion has been issued prior to purchase by Redwood. Additionally, loan has an interest only feature which is an ineligible product.

XXX Client provided an approved exception to allow the file with an open escrow holdback

Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Long term job and residence, Borrower credit score exceeds min required

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 XXX with XXX years XXX months at current job. CFCFS1736: Significant time at current residence - xxx Comments:  Borrowers have XXX years at current residence. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  B2 XXX with XXX years at current job. CFCFS1739: Postive mortgage payment history - xxx Comments:  Mortgage history reports XXX mos. XXX x XXX with previous mortgage reporting XXX mos. XXX x XXX.

409016764

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

D

B

D

B

D

B

D

A

D

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR275

Completed "Subject To" w/o Completion Cert in File

No

Missing 1004D.  Appraisal was completed subject to completion of improvements.

7/29 Client provided the 1004D

Satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 XXX with XXX years XXX months at current job. CFCFS1736: Significant time at current residence - xxx Comments:  Borrowers have XXX years at current residence. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  B2 XXX with XXX years at current job. CFCFS1739: Postive mortgage payment history - xxx Comments:  Mortgage history reports XXX mos. XXX x XXX with previous mortgage reporting XXX mos. XXX x XXX.

409016764

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

D

B

D

B

D

B

D

A

D

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.  Appraised value of $XXX is not supported by CU score of XXX or LCA score not established.  AUS missing from documentation, reviewer unable to determine if CU or LCA score should be used.

XXX Client provided 3rd party CDA valuation supporting appraised value with XXX% variance

Condition satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 XXX with XXX years XXX months at current job. CFCFS1736: Significant time at current residence - xxx Comments:  Borrowers have XXX years at current residence. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  B2 XXX with XXX years at current job. CFCFS1739: Postive mortgage payment history - xxx Comments:  Mortgage history reports XXX mos. XXX x XXX with previous mortgage reporting XXX mos. XXX x XXX.

409016784

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

D

A

D

B

D

B

D

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

1. Missing borrower letter of explanation or other satisfactory documentation to support No HOA on XXX XXX XXX property as qualified with.2. Missing Mortgage Insurance cert verifying coverage as required by LP AUS Alert FMIXXX/FMIXXX. Provide for review. Final 1003/1008 do not reflect a MI expense included in DTI calculation however CD issued XXX does not reflect a single pay premium for MI.  Subject to additional exceptions.

XXX Client provided Lender rebuttal stating, no MI on this loan.  Response, agree.  Condition remains for evidence of monthly HOA on XXX XXX XXX, if applicable. XXX Client provided CD from subject loan; Condition remains for evidence of HOA dues or LOX no HOA, on XXX XXX XXX REOXXX Client provided post close dated evidence monthly HOA of $XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - xxx Comments:  B1 mortgage history reports XXX mos. XXX x XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Representative credit score XXX above program requirement XXX. CFCFS1736: Significant time at current residence - xxx Comments:  B1 has XXX years XXX months at current residence.

409016784

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

D

A

D

B

D

B

D

A

D

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing borrower letter of explanation or other satisfactory documentation to support No HOA on XXX property as qualified with.

XXX Client provided post close dated evidence monthly HOA of $XXX; updated DTI XXX% with including

Condition satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - xxx Comments:  B1 mortgage history reports XXX mos. XXX x XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Representative credit score XXX above program requirement XXX. CFCFS1736: Significant time at current residence - xxx Comments:  B1 has XXX years XXX months at current residence.

409016784

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

D

A

D

B

D

B

D

A

D

A

Credit

DTI

Waived

B

B

B

B

CRDDTI105

Debt Ratio Exception 5% or Less

No

Max DTI XXX% current DTI XXX%

XXX Client provided exception approval for DTI XXX% exceed guidelines maximum of XXX%; including HOA of XXX on other REO

Exception approved, B Grade

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - xxx Comments:  B1 mortgage history reports XXX mos. XXX x XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Representative credit score XXX above program requirement XXX. CFCFS1736: Significant time at current residence - xxx Comments:  B1 has XXX years XXX months at current residence.

409016784

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

D

A

D

B

D

B

D

A

D

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL100

Legal document incorrect or incomplete

No

Final executed CD for subject transaction not located in file.  Provide for review to confirm required funds to close and purchase price.

9/8 Client provided the executed Final CD

Satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - xxx Comments:  B1 mortgage history reports XXX mos. XXX x XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Representative credit score XXX above program requirement XXX. CFCFS1736: Significant time at current residence - xxx Comments:  B1 has XXX years XXX months at current residence.

409016784

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

D

A

D

B

D

B

D

A

D

A

Credit

LTV/CLTV

Waived

C

B

C

B

CRDLTV3026

LTV Exceeds Guideline Requirement by at least 5%, but less than 10%

No

Qualifying LTV XXX% exceeds program maximum XXX%.

XXX Client provided an approved exception to allow the file with a LTV of XXX

Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Mtg paid as agreed,  Borrower credit score exceeds min required

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - xxx Comments:  B1 mortgage history reports XXX mos. XXX x XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Representative credit score XXX above program requirement XXX. CFCFS1736: Significant time at current residence - xxx Comments:  B1 has XXX years XXX months at current residence.

409016784

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

D

A

D

A

D

B

D

B

D

A

D

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.  Appraised value of $XXX is not supported by CU score of XXX.

XXX Client provided 3rd party CDA valuation supporting appraised value with XXX% variance

Condition satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - xxx Comments:  B1 mortgage history reports XXX mos. XXX x XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Representative credit score XXX above program requirement XXX. CFCFS1736: Significant time at current residence - xxx Comments:  B1 has XXX years XXX months at current residence.

409016791

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL100

Legal document incorrect or incomplete

No

Missing subject Final executed CD to verify final required funds to close.  No CDs located in file are executed by borrowers.

XXX Client provided executed Final CD for subject transaction

Condition satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 has XXX at current job. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Representative credit score XXX above program requirement XXX. CFCFS1737: LTV below guideline requirements - xxx Comments:  Qualifying LTV XXX below program maximum.

409016794

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

C

B

D

A

C

B

D

B

C

B

D

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero Tolerance testing failed by $XXX due to the increased of Title Abstract Fee by $XXX and Title Notice of Settlement by $XXX with no COC in file. Title fees are paid to Affiliate and are tested for XXX% violation. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.

XXX Client provided an XXX PCCD, $XXX check, LOE and proof of delivery.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has XXX years at current job CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV  XXX% below guideline requirements XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score XXX  exceeds guidelines XXX

409016794

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

C

B

D

A

C

B

D

B

C

B

D

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID5741

TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null

No

On final CD dated XXX CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $XXX or Null.

XXX Client provided an XXX PCCD changing page 1, removing the estimated escrow in Band 2, changing the In escrow answers to No and on page 4, marking the "will not have an escrow account" boxes. Condition remains. This loan will have escrows for the permanent financing. Provide a corrected PCCD/LOE.XXX Client provided an XXX PCCD with corrected Escrows (with an XXX LOE and XXX Delivery). Condition remains. The Issue Date is prior to the previous XXX PCCD for the tolerance cure, and the cure credit has been incorrectly removed. Provide a corrected PCCD issued after the latest XXX PCCD with LOE to borrower.XXX Client provided the following Sellers rebuttal: They did not have an escrow account on XXX when this closed, and the final CD is supposed to reflect that. Condition remains. There does appear to be Escrows on the permanent financing. The last PCCD received has the correct Escrow information, however the Issue Date was on XXX, which is prior to the earlier PCCD of XXX, and the tolerance cure was incorrectly removed. Condition pending receipt of a new PCCD showing the actual Issue Date and the tolerance cure replaced.XXX Client provided PCCD XXX with the cure added back and correct issue date.

Condition Satisfied.

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has XXX years at current job CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV  XXX% below guideline requirements XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score XXX  exceeds guidelines XXX

409016794

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

C

B

D

A

C

B

D

B

C

B

D

A

C

B

Credit

Terms/Guidelines

Waived

C

B

C

B

CRDTER4631

Loan parameters do not meet guidelines

No

Final CD reflects $XXX construction holdback which is not allowed by XXX XXX guides unless the holdback has been disbursed, and a certification of completion has been issued prior to purchase by XXX. Additionally, loan has an interest only feature which is an ineligible product.

XXX Client provided a Post CD however is not pertaining to this condition, pertaining to a compliance condition.  Initial condition remains. 8/18 Client provided an approved exception to allow the file wiht an open escrow holdback and a Note with IO feature

Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Low LTV, Borrower credit score exceeds min required

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has XXX years at current job CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV  XXX% below guideline requirements XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score XXX  exceeds guidelines XXX

409016794

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

C

B

D

A

C

B

D

B

C

B

D

A

C

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR275

Completed "Subject To" w/o Completion Cert in File

No

Missing 1004D/completion cert, required for appraisal made subject to completion of construction.

XXX Client provided 1004D subject to completion dated XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has XXX years at current job CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV  XXX% below guideline requirements XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score XXX  exceeds guidelines XXX

409016858

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3646

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided

No

XXX percent tolerance in amount of XXX due to increase in Recording fee from XXX on CD XXX to XXX on CD XXX with no explanation/ reasons on COC XXX. Lender's credit for tolerance cure XXX was applied towards increased Tax Service by XXX, increased E-recording from XXX to XXX, added MERS fee XXX and added Title Plot Plan XXX = total XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund in amount of XXX (XXX - XXX leftover from lende'rs credit ) and proof of delivery via shipping that includes tracking information.

XXX Client provided an XXX PCCD, LOE, XXX check and proof of shipment.

Condition Satisfied.

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV of XXX is below guideline max LTV of XXX. CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 has XXX years with current employer, B2 has XXX years. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post close reserves are verified at XXX, required reserves per guidelines are XXX.

409016881

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero tolerance in the amount of XXX as Inspection and Second/Review Appraisal Fees were added to CD XXX without a valid COC in file. Condition is pending receipt of a valid Change of Circumstance, PCD reflecting lenders cure, LOE issued to borrower, a copy of refund and proof of delivery including shipping details and tracking information.

XXX Client provided an LOE stating Second/review appraisal added due to 1st appraisal was subject to and a Final Inspection was required to show repairs completed. Condition remains.  LOE explains the Inspection fee, however does not provide a valid reason for the CDA fee of XXX being added. Provide a valid reason for this fee or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. XXX Client provided and LOE stating: The Investor required the additional service. Condition remains.  Provide a valid reason for the Investor required Second/Review Appraisal - CDA added on CD XXX or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. XXX Client provided PCCD XXX with cure, copy of cure check, and shipping label in created status, docs also references a letter XXX. No letter XXX received. Condition remains for letter to Borrower explaining the cure and evidence of delivery.XXX Client provided the missing LOE and re-tracking confirms the shipment.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI is below guideline maximum of XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score exceed guideline minimum of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Cash reserves of XXX or XXX months PITI exceed requirement.

409016894

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX Guidelines allow XXX CFCFS2860: Good credit history - xxx Comments:  Borrower Has history of good credit with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X 12 = $ XXX

409016976

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

The Final Closing Disclosure does not reflect all the required seller-paid fees.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves: $XXX or XXX months PITI CFCFS1739: Postive mortgage payment history - xxx Comments:  Borrowers have XXX months XXX x XXX on current mortgage

409016976

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Credit

Income/Employment

Waived

B

B

B

B

CRDINC3204

Income Documentation Missing

No

Missing XXX and Liquidity WS

XXX client provided approved exception for missing XXX WS

Upon further review by XXX XXX exception is deemed non material. Final Grade B

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves: $XXX or XXX months PITI CFCFS1739: Postive mortgage payment history - xxx Comments:  Borrowers have XXX months XXX x XXX on current mortgage

409016976

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Provide LOE as to why REO XXX XXX XXX shows a loss of $XXX/month on Borrower 1 Final 1003.  Could only verify $XXX/month.

XXX Client provided updated F1003 with PITIA of $XXX being included in DTI

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves: $XXX or XXX months PITI CFCFS1739: Postive mortgage payment history - xxx Comments:  Borrowers have XXX months XXX x XXX on current mortgage

409017218

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

B

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing sufficient evidence to verify borrower has no debt obligation to property at XXX while the subject primary residence is under construction via explanation from property owner or provide evidence to include the debt into the borrower's DTI; lox provided by borrower states "I am writing to inform you of our intent to reside at XXX, during the construction of our home at XXX."

XXX Client provided copy of tax bill verifying owner name: XXX however did not provide evidence of any current housing expense while subject was under construction.  Condition remains XXX Client provided LOX that there is no evidence of any mortgage on XXX assumed they lived with family during construction; Condition remains:  provide a rent free letter or other evidence Borrower had no housing expense during constructionXXX Client provided exception approval for missing housing rental history while subject property was under construction

Condition satisfied

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  xxxmo. 0x30 mortgage payment history; 0x30x12 required. CFCFS2854: Significant time in profession - xxx Comments:  Borrowers have been in their respective professions for XXX and XXXyears. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX effective/reserves; XXX*6= XXX reserves required.

409017218

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero tolerance in amount of XXX due to increase in Appraisal fee by XXX on LE XXX and increase in Credit Report fee by XXX on CD XXX with no valid COC in file to support it. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.

XXX Client provided a duplicate copy of the Initial XXX CD and an XXX PCCD for a clerical correction. Condition remains. Borrower is due a refund of XXX, PCCD with tolerance cure, LOE and proof of delivery that includes tracking information.XXX Client provided an XXX PCCD with cure, LOE, XXX check and proof of shipment.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  xxxmo. 0x30 mortgage payment history; 0x30x12 required. CFCFS2854: Significant time in profession - xxx Comments:  Borrowers have been in their respective professions for XXX and XXXyears. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX effective/reserves; XXX*6= XXX reserves required.

409017218

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3966

TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected

No

The Final CD:XXX section Escrow Account on page 4 - neither of You declined it and/or Your lender does not offer one are selected

XXX Client provided an XXX PCCD with corrections, LOE, COC and delivery.

Condition Satisfied.

Non-Numeric

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXXX mo. 0x30 mortgage payment history; 0x30x12 required. CFCFS2854: Significant time in profession - xxx Comments:  Borrowers have been in their respective professions for XXX and XXXyears. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX effective/reserves; XXX*6= XXX reserves required.

409017218

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

B

Credit

Credit/Mtg History

Waived

B

B

B

B

CRDCRMH104

Credit score below guidelines

No

XXX qualifying credit score is below the Agency guideline minimum of XXX.

XXX Client provided exception approval for fico score XXX below guidelines requirement minimum of XXX

Exception approved, B Grade

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  xxmo. 0x30 mortgage payment history; 0x30x12 required. CFCFS2854: Significant time in profession - xxx Comments:  Borrowers have been in their respective professions for XXX and XXXyears. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX effective/reserves; XXX*6= XXX reserves required.

409017218

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

B

Credit

Credit/Mtg History

Waived

D

B

D

B

CRDCRMH149

Missing support docs for VOM/VOR (e.g. cancelled checks)

No

Missing sufficient evidence to verify borrower has no debt obligation to property at XXX while the subject primary residence is under construction via explanation from property owner or provide evidence to include the debt into the borrower's DTI; lox provided by borrower states "I am writing to inform you of our intent to reside at XXX, during the construction of our home at XXX."

XXX Client provided copy of tax bill verifying owner name: XXX however did not provide evidence of any current rental housing expense while subject was under construction.  Condition remains XXX Client provided LOX that there is no evidence of any mortgage on XXX assumed they lived with family during construction; Condition remains:  provide a rent free letter or other evidence Borrower had no housing expense during constructionXXX Client provided exception approval for missing evidence of housing while home was under construction

Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factor: DTI XXX, XXX years in profession.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  xxxmo. 0x30 mortgage payment history; 0x30x12 required. CFCFS2854: Significant time in profession - xxx Comments:  Borrowers have been in their respective professions for XXX and XXXyears. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX effective/reserves; XXX*6= XXX reserves required.

409017218

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

B

Credit

Terms/Guidelines

Waived

C

B

C

B

CRDTER4631

Loan parameters do not meet guidelines

No

Subject transaction is construction to permanent financing with a 1yr I/O term; I/O is ineligible for Agency guidelines.

XXX Client provided an approved exception to allow the file with construction to Perm and Interest Only

Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Strong reserves, Borrower credit score exceeds min required

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  xxxmo. 0x30 mortgage payment history; 0x30x12 required. CFCFS2854: Significant time in profession - xxx Comments:  Borrowers have been in their respective professions for XXX and XXXyears. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX effective/reserves; XXX*6= XXX reserves required.

409017219

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  ReservesXXX or XXX months PITI CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years

409017219

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Credit

Terms/Guidelines

Waived

C

B

C

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Per 3rd party fraud report borrower has 2 (possible 1 is a duplicate) Civil Judgments in the amount of XXX each. Provided documentation that these have been released

XXX Client provided an approved exception to allow the file without evidence the judgments are paid; Borrower has sufficient assets for reserves setting aside sufficient funds to cover judgments

Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  ReservesXXX or XXX months PITI CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years

409017306

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5111

TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered

No

Initial LE XXX is e-signed by both borrowers but only one e-consent is found in file. Missing e-consent for co-borrower.

XXX Client provided both E-Consents.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI is below guideline requirement of XXX CFCFS2860: Good credit history - xxx Comments:  No derogatory credit history in the past 24 months CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score exceed guideline minimum of XXX.

409017317

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero Tolerance Fee in the amount of XXX due to increase in Appraisal fee by XXX and increase in 2nd Appraisal fee by XXX on initial CD XXX with no valid COC in file to support it. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.

XXX Client provided the missing XXX COC and the following: Per Seller - Was this CoC not sent or not accepted? I see the explanation for both increases. Unable to locate this XXX COC in file. Satisfied with the uploaded trailing doc copy.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV of XXX is below guideline max LTV of XXX. CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has been xxx years. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds guideline minimum required score of xxx.

409017349

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC2488

Verbal verification of employment missing

No

Missing verification of the existence of borrowers self-employment to be verified through a third-party source and be no more than 120 calendar days prior to the Note date XXX. Third party verification can be from a CPA, regulatory agency or applicable licensing bureau. A borrowers website is not acceptable third-party source.

XXX Client provided SOS dated XXX for self employment

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; xxx required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI; XXX max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified reserves of XXX; total reserves required XXX.

409017349

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Missing evidence of extension for XXX tax returns; transcripts reflect no record of return filed. Note date is XXX.

XXX Client provided evidence of XXX extension with payment of XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; xxxx required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI; XXX max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified reserves of XXX; total reserves required XXX.

409017351

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

B

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above minimum program requirement of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrower has XXX times the required reserves

409017351

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero Tolerance Fee of $XXX due to added Appraisal desk review for $XXX, added Survey fee $XXX (no SPL in file, unable to conclude if fee was a shoppable fee) and Lender Credit decreased by $XXX on initial CD XXX with no COC/ Rate lock with updated loan amount in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.

XXX Client provided COC XXX reflecting Appraisal value came in lower requiring a Desk Review, Lock, Change of Property type, Survey required for Title and reduced loan amount.  They also provided an Email from Lender stating Desk Review needed for loan over CU XXX, Loan amount lowered impacting pricing, Credits lowered and Survey ordered to remove the survey condition for Title Insurance.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above minimum program requirement of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrower has XXX times the required reserves

409017351

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID3600

TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered

No

Initial CD XXX was emailed to borrower but a prior e-consent is missing in file.

XXX Client provided a screenshot of the Disclosure Tracking Summary/History reflecting the E-Consent and the XXX Tracking.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above minimum program requirement of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrower has XXX times the required reserves

409017351

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5111

TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered

No

Provide borrower e-consent.

XXX Client provided a screenshot of the Disclosure Tracking Summary/History reflecting the E-Consent.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above minimum program requirement of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrower has XXX times the required reserves

409017351

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER2548

Missing AUS or AUS errors present

No

Loan submitted under XXX XXX AUS XXX YR, however AUS Approve/Ineligible (1008)  is not present in file.

XXX Client provided DU AUS approval dated XXX submission #XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above minimum program requirement of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrower has XXX times the required reserves

409017413

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Required Reserves: $XXX.  Verified $XXXSubject: $XXX x XXX = $XXX REO: $XXX x XXX = $XXX CFCFS1739: Postive mortgage payment history - xxx Comments:  Borrowers have XXX months XXX x XXX on current mortgage

409017470

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI is below guideline maximum of XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score exceed guideline minimum of xxx. CFCFS2854: Significant time in profession - xxx Comments:  B1 has been in the same profession for XXX mo.

409017473

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

XXXX Home Equity

Satisfied

C

A

C

A

CMPTXHE119

XXXX Equity - Affidavit of Fair Market Value not signed by lender

No

Affidavit of Fair Market Value is not signed by lender

XXX Client provided the FMV Affidavit signed by the Lender at Closing.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX effective/reserves; $XXX * XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI; max XXX%.

409017485

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX LTV, below guideline requirements of XXX per program. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI, below guideline requirement of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX months PITI in reserves.

409017487

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

B

A

A

A

D

B

D

B

B

A

A

A

D

B

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC806

Notary Status is missing

No

Missing a notary status for a primary borrower who signed the Mortgage on XXX

XXX Client provided the recorded DOT that includes the notary status for both borrowers.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  ReservesXXX or XXX months PITI CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrowers has been with the same employer for XXX years

409017487

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

B

A

A

A

D

B

D

B

B

A

A

A

D

B

Compliance

Right of Rescission

Satisfied

B

B

B

B

CMPROR117

ROR - Expiration date on form prior to end of rescission period

No

The Expiration Date of XXX does not provide borrower with the required 3 day rescission period from Consummation Date XXX.

XXX Client provided copies of a new ROR, signed by all parties on XXX, with Tracking and new Expiration at midnight on XXX. Condition remains for the new rescission period to expire.XXX The new rescission period is now expired.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  ReservesXXX or XXX months PITI CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrowers has been with the same employer for XXX years

409017487

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

B

A

A

A

D

B

D

B

B

A

A

A

D

B

Compliance

Right of Rescission

Satisfied

C

A

C

A

CMPROR114

ROR - Right of Rescission not executed by all title holders

No

Only ROR form in file signed by a primary borrower on XXX. Missing a copy of executed ROR by a co-borrower.

XXX Client provided the missing Co-Borrower ROR form.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  ReservesXXX or XXX months PITI CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrowers has been with the same employer for XXX years

409017487

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

B

A

A

A

D

B

D

B

B

A

A

A

D

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

Final CD XXX- disbursement date on XXX, ROR form in file signed on XXX with end of recession on XXX. Condition is pending receiving final ALTA statement with later disbursement date and corrected disbursement date/ Prepaid Interest PCD with LOE and proof of delivery to borrowers

XXX Client provided copies of a new ROR, signed by all parties on XXX, with Tracking and new Expiration at midnight on XXX. Condition remains for the new rescission period to expire.XXX The new rescission period is now expired.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  ReservesXXX or XXX months PITI CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrowers has been with the same employer for XXX years

409017487

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

B

A

A

A

D

B

D

B

B

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3966

TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected

No

Final CD XXX, section Escrow Account in Loan Disclosures - neither of You declined it and/or Your lender does not offer one are selected. Condition is pending receiving corrected PCD and LOE to borrowers.

XXX Client provided a corrected XXX PCCD.

Condition Satisfied.

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  ReservesXXX or XXX months PITI CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrowers has been with the same employer for XXX years

409017487

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

B

A

A

A

D

B

D

B

B

A

A

A

D

B

Credit

Credit/Mtg History

Satisfied

B

A

B

A

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Provide VOM for XXX #XXX

XXX Client provided VOM for XXX XXX from XXX - current satisfactory mortgage payment history, however do not reflect monthly payment. Condition remains, appears this is a revolving line of credit (per LOX in file and per Title), condition remains for evidence borrowers requesting closure of both liens with XXX that are being paid off with this transaction.  XXX Client provided executed request by Borrower, requesting closure of both revolving line of credit with XXX #XXX, #XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  ReservesXXX or XXX months PITI CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrowers has been with the same employer for XXX years

409017500

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX LTV; max XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX reserves; XXX*6 + REO XXX*3= XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min xxx. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXX mo. xxx mortgage payment history; 0x30x24 required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI; max XXX.

409017799

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

XXXX Home Equity

Satisfied

B

A

B

A

CMPTXHE320

XXXX Equity - XXXX Equity : Missing T.42 Title Endorsement

No

Missing T.42 Title Endorsement

XXX Client provided the Title Policy reflecting the T.42 Endorsement.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified reserves of XXX or XXX months PITI; XXX or XXX months required.

409017799

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

XXXX Home Equity

Satisfied

B

A

B

A

CMPTXHE321

XXXX Equity - XXXX Equity : Missing T.42.1 Title Endorsement

No

Missing T.42.1 Title Endorsement.

XXX Client provided the Title Policy reflecting the T.42.1 Endorsement.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified reserves of XXX or XXX months PITI; XXX or XXX months required.

409017799

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

XXXX Home Equity

Satisfied

C

B

C

B

CMPTXHE119

XXXX Equity - Affidavit of Fair Market Value not signed by lender

No

XXXX Equity - Affidavit of Fair Market Value is missing lender signature.

XXX Client provided the Affidavit of Fair Market Value signed by Lender.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; xxx required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified reserves of XXX or XXX months PITI; XXX or XXX months required.

409017799

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero tolerance in the amount of XXX as Discount Points increased on CD XXX without a COC in file to support it. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information.

XXX Client provided PCCD XXX and CD XXX.  Also provided COC XXX reflecting Point Decrease and COC XXX extension and Points increase.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; xxx required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified reserves of XXX or XXX months PITI; XXX or XXX months required.

409017841

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified reserves of $XXX; total reserves required $XXX.

409017921

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS2854: Significant time in profession - xxx Comments:  Borrowers have been in their respective professions for XXX years. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min xxx. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXX mo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX reserves; XXX*12 + REOs XXX*3 = XXX reserves required.

409017929

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5111

TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered

No

Missing borrowers e-consent in file.

XXX Client provided the E-Consent for both borrowers.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above minimum program requirement of XXX CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX % is below the guideline minimum of XXX %

409017991

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees and Realtor Commission fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower at current employment XXX years CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score XXX CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  Co borrower at current employment XXX years

409017991

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Credit

Assets

Satisfied

B

A

B

A

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing 2nd consecutive bank statement for XXX XXX 4423 only statement in file is XXX 4423

XXX Client provided 2nd consecutive statement for #XXX Desert financial dated XXX - XXX and file have XXX - XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower at current employment XXX years CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score XXX CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  Co borrower at current employment XXX years

409017995

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified reserves of $XXX ; total reserves required $XXX.

409017996

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% CLTV below guideline requirements of XXX% per program. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI below guideline requirement of XXX%.

409018252

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX available in reserves; XXX in reserves required. Reserves amount subject to change upon verification of additional liquid assets needed for cash to close requirement.

409018252

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST205

Insufficient Funds to Close

No

Insufficient liquid assets verified in the file to meet the cash to close requirement.  Total liquid assets verified were XXX with XXX cash required to close leaving XXX short liquid funds to close.  If borrowers are using funds from a retirement account to close, then verification of liquidation will be required.  Otherwise, additional asset documentation verifying sufficient liquid assets to close will be required.

XXX Client provided an Email that Loan was UW to AUS GLs proof of liquidation not required; response loan was reviewed to XXX XXX Client provided a lock changing loan XXX AUS; liquidation not required

Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX available in reserves; XXX in reserves required. Reserves amount subject to change upon verification of additional liquid assets needed for cash to close requirement.

409018252

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Assets

Satisfied

D

A

D

A

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

File is missing an additional consecutive month's account statement for XXX #XXX.  XXX only was provided in the file.  These assets are needed to meet the reserve requirement.

XXX Client provided a lock changing loan XXX AUS; X month statement is required by AUS approval

Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX available in reserves; XXX in reserves required. Reserves amount subject to change upon verification of additional liquid assets needed for cash to close requirement.

409018252

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Credit/Mtg History

Satisfied

C

A

C

A

CRDCRMH1805

Debts/obligations not disclosed/accounted for at origination

No

B2 has a mortgage with XXX/XXX reported on credit with a current balance of XXX and payment of XXX.  This mortgage is not associated with any property listed on the final 1003s and was not included in the debts.  If the property associated with this mortgage has been sold, then a final, fully executed Settlement Statement/Closing Disclosure will be required.  If borrower still owns the property associated with this mortgage, then verification of the full PITIA payment and a corrected 1003 with the property listed in the REO section will be required.  If this is a cosigned mortgage that is paid by another individual, then XXX months cancelled checks will be required.

XXX Client provided 10 statements showing third party pays the mortgage; Missing XXX and XXX payments or statements to show a XXX month history to exclude XXX Client provided the XXX payments

Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX available in reserves; XXX in reserves required. Reserves amount subject to change upon verification of additional liquid assets needed for cash to close requirement.

409018252

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

DTI

Satisfied

B

A

B

A

CRDDTI106

Debt Ratio Exception >5% and <10%

No

Recalculated B1 income resulted in DTI of XXX which exceeds the maximum allowed DTI of XXX.  Lender used 2nd job income of XXX/month to qualify.  However, based on the dates of the borrower's prior employment listed on the final 1003 and from written VOEs, it appears there was a gap of over 3 months from prior 2nd job employer that ended on XXX and current 2nd job employer that stared on XXX.  Fannie Mae guidelines do not allow in any instance for the borrower to have a gap greater than 1 month in the most recent 12-month period between 2nd job employers.  As a result, this income was omitted from the recalculations.

XXX Client provided an Email that employment is validated by AUS; response, loan manually reviewed to XXX, Condition remains XXX Client provided a lock changing loan to XXX AUS; employment validated by AUS

Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of xxx. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX available in reserves; XXX in reserves required. Reserves amount subject to change upon verification of additional liquid assets needed for cash to close requirement.

409018252

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

1) B2 employment does not begin until XXX.  File is missing a contingent free employment offer or contract.  Offer letter provided in the file indicates employment is contingent upon certain requirements contained in the offer letter, including pre-employment screening.2) File is missing XXX IRS tax transcripts for B2.3) File is missing XXX W2 for B1 current 2nd job.  Start date was XXX.  Client guidelines do not indicate a written VOE is acceptable in lieu of the W2.

XXX Client indicated UW to AUS; response file is reviewed to Sequoia  30 Y GLS; Client provided an Email indicating all contingencies are met; Condition remains for 2) File is missing XXX IRS tax transcripts for B2.3) File is missing XXX W2 for B1 current 2nd job.  Start date was XXX.  Client guidelines do not indicate a written VOE is acceptable in lieu of the W2.XXX Client provided a lock changing loan to XXX WVOE is accepted

Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of xxx. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX available in reserves; XXX in reserves required. Reserves amount subject to change upon verification of additional liquid assets needed for cash to close requirement.

409018259

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score XXX CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves $XXX or XXX months

409018261

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI below guideline requirement of XXX%.

409018269

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Missing required Affiliate Business Disclosure

XXX Client provided a signed LOE from Lender stating they do not have any affiliates for this transaction.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds guideline minimum credit score of xxx. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified post close reserves are XXX total required reserves are XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  Credit report shows no derogatory mortgage events.

409018269

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds guideline minimum credit score of xxx. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified post close reserves are XXX total required reserves are XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  Credit report shows no derogatory mortgage events.

409018272

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  Co-borrower has been with current employer since XXX. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is xxx points above the minimum required score of xxx. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have $XXX available in reserves; $XXX in reserves required.

409018272

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

File is missing documentation verifying additional $XXX monthly expenses listed on the final 1003 for the retained departure residence.

XXX Client provided Fraud report showing $XXX HOA dues on departure residence

Satisfied

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  Co-borrower has been with current employer since XXX. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is xxx points above the minimum required score of xxx. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have $XXX available in reserves; $XXX in reserves required.

409018272

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

File is missing a Verbal Verification of Employment (VVOE) performed no more than ten (10) business days prior to the Note date for the co-borrower.  VVOE provided in the file is expired.

XXX Client provided VVOE dated XXX (post close dated) for B2

Condition satisfied

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  Co-borrower has been with current employer since XXX. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is xxx points above the minimum required score of xxx. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have $XXX available in reserves; $XXX in reserves required.

409018277

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.B2 does not have 2 years of of base income or Overtime income as required per Guidelines. Provide documentation of new 2nd mortgage payment of XXX/month for XXX

XXX Client changed program Income calc meets FNMA GLS; and documentation of new 2nd mortgage payment of XXX/month for XXX

Satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - xxx Comments:  Borrower has XXX months of 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score

409018277

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Ability to Repay/Qualified Mortgage

Satisfied

C

A

C

A

CRDATRQM3124

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.

No

Missing QM Determination

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - xxx Comments:  Borrower has XXX months of 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score

409018277

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Assets

Satisfied

D

A

D

A

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Provide additional bank statement for XXX (multiple accounts).  2 months required.  Have XXX

XXX client provided the XXX XXX Statement

Satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - xxx Comments:  Borrower has XXX months of 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score

409018277

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

DTI

Satisfied

B

A

B

A

CRDDTI105

Debt Ratio Exception 5% or Less

No

XXX DTI exceeds XXX.   Lender DTI  XXX.  DTI due to rental income calculation. Review using new PITI for REO and XXX of lease.  Loss of XXX/month. Lender used a loss of XXX/month.

XXX Client provided an LOX that they used XXX of Lease; Condition remains  XXX of lease is required per GLsXXX Client provided an Email confirming XXX of lease was used to qualify; Condition remains  XXX of lease is required per GLsXXX Client provided DUAI approval for DTI

Satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - xxx Comments:  Borrower has XXX months of 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score

409018277

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Provide documentation of new 2nd mortgage payment of XXX/month for XXX

XXX Client provided rental income calculation; still missing the 2nd mortgage statementXXX Client provided the closing instructions confirming payment XXX per month

Satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - xxx Comments:  Borrower has XXX months of 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score

409018277

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

B2 does not have 2 years of of base income or Overtime income as required per Guidelines.

8/21 Client provided an Email that; Borrower has 6 months at prior employer and XXX months at current employer; Lender took a XXX month average; Condition remains; missing XXX year history of OT earnings XXX Client provided an Email that Borrower has 1 year OT at current employer and XXX months at prior employer; GLs requireXXX years at current employer.   XXX Client changed the program to XXX, income calculation meets FNMA GLs

Satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - xxx Comments:  Borrower has XXX months of 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score

409018277

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER2548

Missing AUS or AUS errors present

No

DUAI 1 provided has incorrect loan amount, interest rate, Appraised value and PITIA: Provide a corrected DUAI with Loan amount of XXX rate XXX, Appraised value of XXX and PITIA of matching final 1003/1008

XXX Client provided updated DU AUS submission #2 with correct loan amount, interest rate, appraised value etc

Condition satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - xxx Comments:  Borrower has XXX months of 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score

409018280

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score XXX CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  Co Borrower at current employment for XXX years CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV XXX

409018280

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero tolerance in amount of XXX due to added Discount Points on initial CD XXX. Per XXX in file, rate was locked on XXX. Discount points were not disclosed to borrower within 3 days of findings. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.

XXX Client provided a missing XXX COC with a XXX LE/Lock package.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score XXX CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  Co Borrower at current employment for XXX years CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV XXX

409018374

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

The file does not contain a copy of the Required Affiliate Business Disclosure.

XXX Client provided a signed LOE from Lender stating they do not have any affiliated business arrangements.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI is below guideline maximum of XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score exceed guideline minimum of XXX. CFCFS2860: Good credit history - xxx Comments:  No derogatory credit history in the past 24 months.

409018374

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero tolerance in amount of XXX due to added Survey fee in C. section on final CD XXX with no valid COC in file to support it. As survey services is not a shoppable service ( no provided is listed on SPL ), this fee is tested for XXX tolerance. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information

XXX Client provided the XXX CD tracking and LOE from Lender stating the XXX Survey fee was disclosed on the Initial CD sent XXX (screenshot provided shows the fee located in Section H). Condition remains. Per the SPL in file, there was no provider offered to the Borrower to shop for the Survey fee and there is no explanation for why the fee was moved from Section H to Section C on the Final CD. If the Survey fee was not offered as a shoppable fee, OR if the fee was not a requirement of Title or Lender, fee should be placed back in Section H as optional charge. Lender to provide further explanation, and if applicable, a corrected PCCD with LOE to Borrower.XXX Client provided an LOE from Lender, corrected XXX PCCD and LOE to borrower.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI is below guideline maximum of XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score exceed guideline minimum of XXX. CFCFS2860: Good credit history - xxx Comments:  No derogatory credit history in the past 24 months.

409018378

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; xxx required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.

409018380

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Determine status upon review / receipt of full / complete XXX 1120s return

XXX Client provided the complete 1120s

Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments:  XXX+ years in business

409018380

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments:  XXX+ years in business

409018380

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Missing third party documents referenced on VOE, page XXX combined file.Provide third party VOE, meeting requirements for B1 1120s.May be subject to additional conditions upon review.

XXX Client provided a 3rd party VOE

Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments:  XXX+ years in business

409018380

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

XXX 1120S is incomplete. Provide all pages / schedules / forms, including schedule reflecting Borrower's W2 wages.Subject to income recalc and may be subject to additional conditions upon review.

XXX Client provided the 1040s, complete 1120s and transcripts

Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments:  XXX+ years in business

409018387

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score exceed guideline minimum of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below guideline maximum of XXX% CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV is below guideline maximum of XXX%

409018404

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.Missing CD from new mortgage on property at XXX XXX XXX XXX. showing nets proceeds in the amount of $XXX, payoff of current mortgage, and new monthly payment.

XXX Client provided executed Final CD from bridge loan on address: XXX XXX XXX XXX verifying Payment of $XXX and borrower receiving funds of $XXX Note: 1st lien for this property have a balance of $XXX with Wells Fargo (statement in file)

Condition satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has XXX years with current employer. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post close reserves verified at $XXX, required reserves are $XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds guideline minimum score of XXX.

409018404

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Compliance

Compliance Manual

Satisfied

D

A

D

A

CMPMAN2956

Missing disclosure

No

Per Disclosure Tracking, a Loan Estimate was issued on XXX which is missing from the file.

XXX Client provided the missing Revised XXX LE.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has XXX years with current employer. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post close reserves verified at $XXX, required reserves are $XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds guideline minimum score of XXX.

409018404

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has XXX years with current employer. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post close reserves verified at $XXX, required reserves are $XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds guideline minimum score of XXX.

409018404

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero tolerance in the amount of $XXX as appraisal fee increased on CD XXX. COC dated XXX is present in the file; however, the corresponding disclosure is missing. As a result, the condition remains pending until the receipt of corresponding disclosure or PCD reflecting lender's cure, LOE issued to borrower, a copy of refund and proof of delivery including shipping details and tracking information.

XXX Client provided the missing Revised XXX LE.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has XXX years with current employer. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post close reserves verified at $XXX, required reserves are $XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds guideline minimum score of XXX.

409018404

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Credit

Assets

Satisfied

D

A

D

A

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Missing CD from new mortgage on property at XXX XXX XXX XXX. showing nets proceeds in the amount of $XXX, payoff of current mortgage, and new monthly payment.

XXX Client provided executed Final CD from bridge loan on address: XXX XXX XXX XXX verifying Payment of $XXX and borrower receiving funds of $XXX Note: 1st lien for this property have a balance of $XXX with XXX XXX (statement in file) and reflected on CD as being paid off, this transaction closed simultaneously with subject

Condition satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has XXX years with current employer. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post close reserves verified at $XXX, required reserves are $XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds guideline minimum score of XXX.

409018404

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA. CU Score in file XXX, guideline requires XXX and below.

XXX Client provided 3rd party CDA valuation supporting appraised value with XXX % variance

Condition satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has XXX years with current employer. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post close reserves verified at $XXX, required reserves are $XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds guideline minimum score of XXX.

409018406

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below guideline maximum of XXX% CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV is below guideline maximum of XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score exceed guideline minimum of XXX.

409018408

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV of XXX% is below guideline max LTV of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post close reserves are verified at $XXX, total required reserves are $XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI is at XXX, guideline max DTI is xxx.

409018408

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA. CU Score in file XXX, guideline requires XXX and below.

XXX Client provided 3rd party CDA valuation supporting appraised value with XXX%

Condition satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV of XXX% is below guideline max LTV of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post close reserves are verified at $XXX, total required reserves are $XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI is at XXX, guideline max DTI is xxx

409018432

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Determine status upon review / receipt of the following:1. B1 VOE for current job does not reflect start date. Provide VOE Meeting guidelines. 2. B2 VOE for current job does not reflect start date. Provide VOE meeting guidelines. 3. B2 prior job VOE, page 439 combined file, states Inactive, but does not reflect required end date to source XXX month employment history. Provide VOE meeting guidelines.

XXX Client provided VVOE for both borrower current employment reflecting VVOE dates and provided VVOE for B2 prior employment

Condition satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - xxx Comments:  B1: XXX years XXX months same line of workB2: XXX years XXX months same line of work CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409018432

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

1. B1 VOE for current job does not reflect start date. Provide VOE Meeting guidelines. 2. B2 VOE for current job does not reflect start date. Provide VOE meeting guidelines. 3. B2 prior job VOE, page XXX combined file, states Inactive, but does not reflect required end date to source XXX month employment history. Provide VOE meeting guidelines.* All may be subject to additional conditions upon review.

XXX Client provided VVOE for both borrower current employment reflecting VVOE dates and provided VVOE for B2 prior employment

Condition satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - xxx Comments:  B1: XXX years XXX months same line of workB2: XXX years XXX months same line of work CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409018432

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER2548

Missing AUS or AUS errors present

No

DU findings in file incorrectly reflect XXX.XXX owns a lien free REO.Please provide updated findings.May be subject to additional conditions upon review.

XXX Client provided an Email that they don't see xxx on the DU; Item # xxx reflects FTHB; provide a corrected DU XXX Client provided updated DU submission #xxxx removing FTHB

Condition satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - xxx Comments:  B1: XXX years XXX months same line of workB2: XXX years XXX months same line of work CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409018438

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - xxx Comments:  Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments:  Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $XXX X 6 = $ XXX+ XXX Months for Additional REO or $ XXX X 3 = $ XXX

409018448

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - xxx Comments:  Borrowers have lived in the same residence for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX * 6 = $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX.

409018460

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing evidence required to support borrower's XXX income qualified by the lender as outlined by FNMA including XXX from prior employment, current grant agreement and evidence of continuance.

XXX Client provided Lender LOX (in file pg XXX) along with prior employment XXX stock documentation and current employment stock documentation, XXX income used for qualifying is supported.

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min xxx. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX*12 + REOs $XXX*3= $XXX reserves required. CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years. CFCFS1736: Significant time at current residence - xxx Comments:  Borrower has been at the same residence for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%.

409018460

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Missing Affiliate Business Disclosure

XXX Client provided a signed letter attesting to no Affiliates were used in connection with this loan transaction.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min xxx. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX*12 + REOs $XXX*3= $XXX reserves required. CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years. CFCFS1736: Significant time at current residence - xxx Comments:  Borrower has been at the same residence for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%.

409018460

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX*12 + REOs $XXX*3= $XXX reserves required. CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years. CFCFS1736: Significant time at current residence - xxx Comments:  Borrower has been at the same residence for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%.

409018460

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Missing evidence to support lender's XXX Income calculation as required by FNMA (XXX AUS refers to fnma) including future vesting equal or greater than previous vesting and continuance of at least XXXmo. or XXX income received for previous XXX years. Lender must also document evidence stock is publicly traced, current vesting schedule reflecting past and future vesting, bank statement showing receipt of previous years distribution of rsu and at a minimum the number of vested shares or cash equivalent. Loan file reflects lender requesting XXX/XXX EOY pay stubs from previous employer and the XXX notice dated XXX. Loan file also shows borrower uploaded pdf documents not accessible by review (pg. XXX).

XXX Client provided Lender LOX (in file pg XXXX) along with prior employment XXX stock documentation and current employment stock documentation, XXX income used for qualifying is supported.

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX*12 + REOs $XXX*3= $XXX reserves required. CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years. CFCFS1736: Significant time at current residence - xxx Comments:  Borrower has been at the same residence for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%.

409018491

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI is below the maximum allowed DTI of XXX CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX available in reserves; XXX in reserves required. CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has been with current employer since XXX. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  Co-borrower has been with current employer since XXX.

409018491

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Title

Satisfied

C

A

C

A

CRDTIL875

Title Does Not Agree With Mortgage

No

Preliminary title, flood certification, appraisal and other loan documentation show property located in county of XXX.  Mortgage shows county of XXX.  A corrected mortgage will be required.

XXX Client provided an Email requesting clarification; Upon review; provide a scriveners affidavit with intent to record the affidavitXXX Client provided Lender LOX stating, all throughout the file including the Mortgage Deed of Trust, the assessors Parcel # reflects XXX County. The mortgage Deed of Trust is also recorded in XXX County. Since the APN # is correct throughout the file to included the Mortgage Deed of Trust Client will accept the mortgage Deed of Trust as is, since the APN # referenced on the Mortgage Deed of Trust is the official indicator of the county, XXX.  Response, While the Assessor's Parcel Number (APN) helps identify a property, it is not the official legal description. The correct county name is required because the deed of trust must be properly recorded in the public records of the county where the property is located to be enforceable. Condition remains: Lender can provide a Scriveners affidavit with intent to re-record the affidavit with correct County of XXX being reflected on Mortgage Deed of Trust. XXX Client provided Lender LOX stating will make necessary arrangements to re-record the Deed of Trust which includes: Corrected County to XXX on page 4 of the Deed of Trust to be initialed by Borrower and reacknowledged with Notary and re-recorded, however Letter do not specify/identify subject address, nor borrower name nor Client loan number.  Condition remains for LOX to also include identifying this transaction: Borrower name, subject address, etc. XXX Client provided updated executed and notarized, recorded Deed of Trust reflecting corrected County of XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI is below the maximum allowed DTI of XXX CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX available in reserves; XXX in reserves required. CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has been with current employer since XXX. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  Co-borrower has been with current employer since XXX.

409018496

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Missing income calculation worksheet or 1008 with income calculation required for review analysis.

9/4 Client provided the 1008

Satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - xxx Comments:  Borrowers have been in their respective professions for XXX and XXX years. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX effective/reserves; XXX*12= XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXXmo. 0x30 mortgage payment history; 0x30x24 required.

409018505

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX% CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower at current employment XXX years

409018522

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

A

A

B

B

D

B

D

B

A

A

B

B

Compliance

Right of Rescission

Waived

B

B

B

B

CMPROR1909

Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor

No

Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor

XXX Client provided an exception approval for using incorrect ROR form

XXX Initial and final grade 2/B

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX * XXX= $XXX reserves required. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS2860: Good credit history - xxx Comments:  Borrowers have no public records/BKs, XXX x XXX payment history since inception XXX and prior XXX x XXX x XXX mortgage payment history.

409018522

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

A

A

B

B

D

B

D

B

A

A

B

B

Credit

Credit/Mtg History

Waived

D

B

D

B

CRDCRMH183

Credit report incomplete

No

Credit reports with bureaus identified as frozen are required to be unfrozen and a current credit report with all bureaus unfrozen is required; XPN frozen on CR XXX.

XXX Client provided Lender Letterhead requesting exception for the one frozen credit score.  Response, condition remains XXX Client provided an approved exception to allow the file with 1 frozen bureau XPN

Upon review by xxx XXX XXX, Condition is a Non Material B grade; Low LTV,  Borrower credit score exceeds min required

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX * XXX= $XXX reserves required. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS2860: Good credit history - xxx Comments:  Borrowers have no public records/BKs, XXX x XXX payment history since inception XXX and prior XXX x XXX x XXX mortgage payment history.

409018528

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

B

B

A

A

A

B

B

B

B

B

A

A

A

B

B

Compliance

Right of Rescission

Waived

B

B

B

B

CMPROR1909

Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor

No

Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor

XXX Client provided an exception approval for using incorrect ROR form

XXX Initial and final grade 2/B

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments:  Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are $XXX; Guidelines require XXX months or $XXX X XX = $XXX

409018528

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

B

B

A

A

A

B

B

B

B

B

A

A

A

B

B

Credit

Credit/Mtg History

Satisfied

B

A

B

A

CRDCRMH123

No evidence of required debt payoff

No

Missing payoff statement reflecting payoff to XXXX for $XXX as reflected on Post Close CD dated XXX. Payoff statement provided reflects payoff amount as $XXX as of XXX and is good through XXX. Single Ledger Balance Report (pg. XXX) reflects outgoing wire dated XXX to Shellpoint Mortgage Servicing for payoff of 1st Mortgage for $XXX.

XXX client provided the payoff letter

Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments:  Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are $XXX; Guidelines require XXX months or $XXX X XX = $XXX

409018593

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI Actual / Max XXX CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV XXX

409018594

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX Guidelines allow XXX CFCFS2854: Significant time in profession - xxx Comments:  Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are $XXX or $XXX months of PITIA Guidelines require XXX months or $XXX x XXX = $XXX

409018606

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; XXX% max allowed. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; XXX required.

409018617

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; XXX required. CFCFS2854: Significant time in profession - xxx Comments:  B1 has XXX years in profession.

409018619

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

Compliance Manual

Satisfied

D

A

D

A

CMPMAN2956

Missing disclosure

No

CD XXX and CD XXX are the only disclosures in file. Per Docutech tracking in file, a revised CD XXX and CD XXX were issued but are missing for testing.

XXX Client provided the missing XXX and XXX CDs.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrower has XXX months PITIA in reserves. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX Median FICO XXX points above guideline program minimum of XXX.

409018619

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file

XXX Client provided the missing XXX HC List.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrower has XXX months PITIA in reserves. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX Median FICO XXX points above guideline program minimum of XXXX.

409018619

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.

(No Data)

Condition Satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrower has XXX months PITIA in reserves. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX Median FICO XXX points above guideline program minimum of XXX.

409018619

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Condition triggered due to missing LE(s) including, but not limiting to, Written List of Providers and any Change of Circumstances for correct fee allocation and testing.

XXX Client provided the missing XXX Initial LE, SPL and XXX Revised LE. Re-testing results in a XXX tolerance violation that was cured via Lender Credit at Closing.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrower has XXX months PITIA in reserves. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX Median FICO XXX points above guideline program minimum of XXX.

409018619

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

Condition triggered due to missing LE(s) including, but not limiting to, Written List of Providers and any Change of Circumstances for correct fee allocation and testing.

XXX Client provided the missing XXX Initial LE, SPL and XXX Revised LE. Re-testing results in no violation.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrower has XXX months PITIA in reserves. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX Median FICO XXX points above guideline program minimum of XXX.

409018619

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3750

TRID - Error #10 discovered on Closing Disclosure

No

Final CD XXX, section H on page 2 - Title Endorsements fees and Title XXXX Guaranty fee are present but as part of (non optional) title fees they should be in B. section for correct testing. Condition is pending receiving corrected PCD and LOE to borrower.

XXX Client provided a XXX PCCD moving the additional Title fees up to Section B. Re-testing results in no XXX tolerance violation. Condition remains for the LOE to Borrower.XXX Client provided rebuttal stating PCCD is acceptable. Reviewed by Sr. Operations Mgr and accepted.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrower has XXX months PITIA in reserves. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX Median FICO XXX points above guideline program minimum of XXX.

409018619

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID3494

TRID - Loan Estimate Missing

No

Initial LE, and if applicable any revised LE(s), missing in file.

XXX Client provided the missing XXX Initial LE, SPL and XXX Revised LE.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrower has XXX months PITIA in reserves. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX Median FICO XXX points above guideline program minimum of XXX.

409018709

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC2488

Verbal verification of employment missing

No

Missing verification of the existence of borrowers self-employment to be verified through a third-party source and be no more than 120 calendar days prior to the Note date  XXX. Third party verification can be from a CPA, regulatory agency or applicable licensing bureau. A borrowers website is not acceptable third-party source.

XXX Client provided post close dated 9XXX SOS for business

Condition satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX*XXX + REO XXX*XXX= $1XXXreserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI; max XXX%.

409018709

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Title

Satisfied

B

A

B

A

CRDTIL100

Potential title issue

No

Missing updated title evidence reflecting the correct loan amount of $XXX; commitment provided reflects $XXX.

XXX Client provided updated title with correct proposed amount of insurance $XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX*XXX + REO XXX*XXX= $1XXXreserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI; max XXX%.

409018724

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds guideline minimum credit score of XXX. CFCFS1749: Additional documented income not used in qualifying - xxx Comments:  B2 shows bonus income of $XXX that was not used to qualify. CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 has been XXXXXX years, B2 has been with current employer XXX XXX  years and XXX XXX years.

409018735

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

B

A

D

A

D

A

D

A

B

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Missing list of homeowners counseling organizations.

XXX Client provided the missing HC List.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - xxx Comments:  Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments:  Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are XXX or XXX months of PITIA.Guidelines require XXX months or XXX X 12 = XXX

409018735

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

B

A

D

A

D

A

D

A

B

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Missing Affiliate Business Disclosure/ FACTS in file

XXX Client provided a signed LOE from the XXX of Closing stating they do not have any ABA arrangements.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - xxx Comments:  Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments:  Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are XXX or XXX months of PITIA.Guidelines require XXX months or XXX X 12 = XXX

409018735

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

B

A

D

A

D

A

D

A

B

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Hazard Insurance Coverage

No

HOI Dwelling Coverage = XXXNote Amount = XXX

XXX Client provided copy of HOI estimated replacement cost worksheet

Condition satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - xxx Comments:  Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments:  Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are XXX or XXX months of PITIA.Guidelines require XXX months or XXX X 12 = XXX

409018735

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

B

A

D

A

D

A

D

A

B

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER2548

Missing AUS or AUS errors present

No

Missing AUS.Additional conditions may apply

XXX Client provided LOX requesting re-review to XXX 30 YR vs AUS.  Condition remains for lock as XXX 30 YR XXX Client provided copy of lock confirmation for XXX 30 YR

Condition satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - xxx Comments:  Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments:  Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are XXX or XXX months of PITIA.Guidelines require XXX months or XXX X 12 = XXX

409018735

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

B

A

D

A

D

A

D

A

B

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support XXX Appraised Value

XXX Client provided LOX stating CU Score of < XXX was used.  Response, not found in file please provide. XXX Client provided the CU Score of XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - xxx Comments:  Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments:  Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are XXX or XXX months of PITIA.Guidelines require XXX months or XXX X 12 = XXX

409018738

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

C

A

D

A

D

A

D

A

C

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Determine status upon review / receipt of missing income and missing HOA documentation.

XXX Client provided full complete copy of XXX 1040s and 1120S for business LLL Investments and income calculation being used by Lender is supported with the returns, the XXX 1040's both have been amended with Transcripts in file, file also have signatures of 1040 and 1120S

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1739: Postive mortgage payment history - xxx Comments:  0 x 30 for XXX months

409018738

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

C

A

D

A

D

A

D

A

C

A

D

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST3036

Assets reflect unsourced deposits

No

Provide sufficient documentation to sourced the following deposits.Subject to asset recalc and may be subject to additional conditions upon review.1. Bank of XXX #XXX: a. XXX   XXXb. XXX  XXXc. XXX  XXXd. XXX  XXXe. XXX  XXX

XXX Client provided Lender LOX stating, these are income deposits from the entity that provides income that is reported under borrower's XXX reported to XXX, currently used for qualifying.  Borrower is a licensed XXX with XXX, see screen shot of the print out.  Response, documentation was provided to support (appears to be some duplicate in file documentation) and balance used for this account #XXX is $XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1739: Postive mortgage payment history - xxx Comments:  0 x 30 for XXX months

409018738

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

C

A

D

A

D

A

D

A

C

A

D

A

Credit

Credit/Mtg History

Satisfied

C

A

C

A

CRDCRMH1805

Debts/obligations not disclosed/accounted for at origination

No

Provide sufficient documentation supporting $XXX monthly HOA on subject property, as reflected on 1008.Subject to DTI and reserves recalc and may be subject to additional conditions upon review.

XXX Client provided some loan documents however nothing pertaining to this condition.  Condition remains to verify $XXX HOA on subject property. XXX Client provided copy of appraisal with no monthly HOA and provided updated 1008 removing the monthly HOA of $XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1739: Postive mortgage payment history - xxx Comments:  0 x 30 for XXX months

409018738

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

C

A

D

A

D

A

D

A

C

A

D

A

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

VOE in file references Regulatory 'XXXX SOS' which is not present in file.Provide third party VOE for B1 1120s meeting XXX requirements.May be subject to additional conditions upon review.

XXX Client provided SOS dated XXX for XXX for B1 1120s

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1739: Postive mortgage payment history - xxx Comments:  0 x 30 for XXX months

409018738

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

C

A

D

A

D

A

D

A

C

A

D

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC888

Income Amount is  Unsupported by Documentation in File

No

Provide signed and dated XXX and XXX 1120s XXX returns and K1's.Subject to full income recalc and may be subject to additional conditions upon review.

XXX Client provided two (2) copies of XXX 1120S XXX however appears to also need full complete copy of XXX 1120S XXX for income calculation and a separate condition on file for the XXX 1040's in which all is needed together for income calculation. Condition remains for copy of XXX 1120S XXX for income calc. File have signed dated page 1 of XXX 1120S (pg XXX) Note: file have alot of blank pages XXX Client provided full complete copy of XXX 1040s and 1120S for business LLL Investments and income calculation being used by Lender is supported with the returns, the XXX 1040's both have been amended with Transcripts in file.

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1739: Postive mortgage payment history - xxx Comments:  0 x 30 for XXX months

409018738

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

C

A

D

A

D

A

D

A

C

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

Provide signed and dated XXX and XXX 1040s and all supporting schedules.Subject to full income recalc and may be subject to additional conditions upon review.

XXX Client provided signed dated 2023/2024 however missing full complete copy of 2024/2023 for B1 XXX income calculation.  Condition remains for full complete copies of 2024/2023 1040's for B1 XXX. XXX Client provided full complete copy of 2024/2023 1040s and 1120S for business LLL Investments and income calculation being used by Lender is supported with the returns, the 2024/2023 1040's both have been amended with Transcripts in file, file also have signatures of 1040's and 1120S

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1739: Postive mortgage payment history - xxx Comments:  0 x 30 for XXX months

409018738

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

C

A

D

A

D

A

D

A

C

A

D

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Per Underwriter Summary, page XXX combined file: "New cstr. Borr purchased XXX XXX."Provide documentation that confirms monthly $XXX property tax is on new construction vs on bare lot.Subject to DTI and reserves recalc and may be subject to additional conditions upon review.

XXX Client provided copy of tax bill supporting $XXX for XXX acres lot:XXX - XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1739: Postive mortgage payment history - xxx Comments:  0 x 30 for XXX months

409018738

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

C

A

D

A

D

A

D

A

C

A

D

A

Property Valuations

Appraisal

Satisfied

C

A

C

A

PRVAAPPR4789

Appraisal Deficiency

No

Rate term refi. Note date XXX.Title reflects Purchase date of XXX.Appraisal reflects both a. purchase date of XXX and b. that the subject has not been listed in the last XXX months.Appraiser to provide clarifications and / or corrections on discrepancies.May be subject to additional conditions upon review.

XXX Client provided updated appraisal with corrections of prior purchase info (on 1st page of appraisal)

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1739: Postive mortgage payment history - xxx Comments:  0 x 30 for XXX months

409018750

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Determine status upon review / receipt of missing income docs

XXX Client provided income documents

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments:  > XXX years at job CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI Actual / MaxXXX

409018750

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Missing Affiliate Business Disclosure.

XXX Client provided a 2020 LOE/Affiliate Statement from XXX. Condition remains. The Lender on the Note is XXX. Provide the ABD for XXX or a current, signed attestation from XXX that states they have no Affiliates.XXX Client provided a duplicate copy of a 2020 LOE/Affiliate Statement from XXX. Condition remains. The Lender on the Note is XXX. Provide the ABD for XXX or provide a current, signed attestation (for this transaction) from XXX that states they have no Affiliates.XXX Client provided an Affiliates list on XXX letterhead.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments:  > XXX years at job CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI Actual / MaxXXX

409018750

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments:  > XXX years at job CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI Actual / MaxXXX

409018750

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST206

Asset Amounts Are Unsupported by Documentation in File

No

Provide sufficient documentation to source the the following deposits. May be subject to additional conditions upon review. 1.  XXX XXX in XXX #XXX2. XXX XXX in XXX#XXX

XXX Client provided copy of business bank statement for each business verifying the source of the requested deposits

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments:  > XXX years at job CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI Actual / MaxXXX

409018750

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC888

Income Amount is  Unsupported by Documentation in File

No

Provide liquidity worksheet for XXX.Subject to income recalc and may be subject to additional conditions upon review.

XXX Client provided copy of liquidity worksheet for XXX (passing)

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments:  > XXX years at job CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI Actual / MaxXXX

409018750

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

Provide XXX W2's.Subject to income recalc and may be subject to additional conditions upon review.

XXX Client provided 2024 w2's for 3 employment (XXX, XXX and XXX)

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments:  > XXX years at job CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI Actual / MaxXXX

409018750

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Provide income documentation source for 'other' income of XXX on final 1003.Subject to income recalc and may be subject to additional conditions upon review.

XXX Client provided copy of Lender Cash Flow Income analysis with calculation of loss XXX coming from XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments:  > XXX years at job CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI Actual / MaxXXX

409018750

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3258

Missing Profit and Loss statement for one or more Self Employed borrowers

No

Provide complete XXX YTD PL's for XXX and XXX.All XXX and XXX PLs for all businesses must be signed and dated; please provide.Subject to income recalc and may be subject to additional conditions upon review.

XXX Client provided signed dated XXX P/L's for all 3 businesses: XXX and XXX and XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments:  > XXX years at job CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI Actual / MaxXXX

409018750

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR173

Comp Photos Unacceptable

No

Appraiser to provide missing photos for Comp 1 and 3.May be subject to additional conditions upon review.

XXX Client provided the Comp photos

Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments:  > XXX years at job CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI Actual / MaxXXX

409018753

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD.

(No Data)

Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation.

Numeric

Not Applicable

CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXmo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX reserves; XXX*9= XXX reserves required.

409018753

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

DTI

Satisfied

B

A

B

A

CRDDTI106

Debt Ratio Exception >5% and <10%

No

DTI is XXX Lender DTI XXX and with review of lender calculation worksheet (that was provided) appear Lender is using a XXX month average of w2 for Year XXX vs XXX months average in total calculation.  Lender worksheet reflect w2 income of XXX for XXX months average = XXX (not being used by DD Firm), using the w2 amount for XXX in the income calculation, not using XXX months for w2 income.  This is the difference in DTI this w2 income for Year XXX being averaged over XXX months vs XXX months in calculation.  See Lender worksheet (last page)

XXX Client appears to have provided a new calculated Cash Flow Income for 2nd job XXX with now removing mortgages due less than XXX year and removing other income, prior Analysis reflect these calculation.  DTI condition remains, (a). need to support reason for omission of mortgage due less than XXX year (for both years XXX/XXX) and (b). need to support reason for omission of other income for both years XXX/XXXX (line #4 on 1120S business returns), (c). also note the other income don't appear to be ongoing and was not listed on YTD P/L in file.  DTI of XXX remainsXXX Client provided CPA LOX stating notes payable less than a year is the balance of the business credit card, and CPA  LOX stating income on line #4 description was for auto trade-ins for a new automobile.  Response, (a). regarding notes payable less than a year, stating is balance of the business credit card, will need from CPA verifying if this note payable less than a year roll over from year to year or will need to be considered in income calculation (b). other income #XXX (line #4) to be considered in income calculation this is not recurring income, auto trade-ins for a new automobile.  DTI XXX currently remains Note: If CPA (Hurt) can verify less than XXX year notes payable roll over year to year, can be removed from income calculation and DTI would be slightly under XXX, CPA LOX only states that this is the balance of the business credit card, need to know if it rolls over year to year, due to being less than one year. XXX client provided a CPA LOX that Credit card balance rolls over from Year to Year

Satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXmo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX reserves; XXX*9= XXX reserves required.

409018753

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC2488

Verbal verification of employment missing

No

Missing verification of the existence of borrowers XXX to be verified through a third-party source and be no more than XXX (XXX) calendar days prior to the Note date XXX. Third party verification can be from a CPA, regulatory agency or applicable licensing bureau. A borrowers website is not acceptable third-party source.

XXX Client provided SOS dated XXX and post close dated XXX for business: XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXmo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX reserves; XXX*9= XXX reserves required.

409018753

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Missing lender's FNMA 1084 or equivalent required for XXX income analysis of the qualifying income.

XXX Client provided Cash Flow Income Analysis however income differ, see DTI condition

Condition satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXmo. 0x30 mortgage payment history; 0x30x24 required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  XXX reserves; XXX*9= XXX reserves required.

409018763

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Terms/Guidelines

Waived

B

B

B

B

CRDTER3122

Loan documents do not meet guideline requirements

No

XXX granted an exception on XXX for borrower to close in blind Trust named XXX XXX XXX XXX of which XXX XXX will be the main trustee to sign all recordable documents including the deed of trust/mortgage. Borrower to sign all notes and be personally responsible for the loan.

Clients provided exception approval for loan closing in trust

xxxs final grade B

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score exceed guideline minimum of XXX CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below guideline maximum requirement of XXX% CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV is below guideline maximum requirement of XXX%

409018766

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

The Final Closing Disclosure does not reflect all the required seller-paid fees.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% is below guideline maximum of XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score exceed guideline minimum of XXX CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV is below guideline maximum of XXX%

409018823

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA2704

RESPA - List of homeowners counseling organizations not compliant

No

File is missing Pages 2 and 4 of the Homeowners Counseling Organization List. Provide complete copy.

XXX Client provided missing complete Homeowners Counseling Organization List dated XXX.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds guideline minimum credit score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI of XXX is lower than the guideline max CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post close reserves verified at $XXX, required reserves are $XXX.

409018823

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds guideline minimum credit score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI of XXX is lower than the guideline max CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post close reserves verified at $XXX, required reserves are $XXX.

409018834

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing pension statement to verify monthly income in the amount of $XXXX.

XXX Client provided pension statements dated XXX supporting receipt of two pensions payment ($XXX + $XXX) for total of $XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score exceed guideline minimum of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below guideline maximum of XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Cash reserves of $XXX or XXX PITI reserves exceed guideline

409018834

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC150

Income docs do not meet guidelines

No

(a). Missing pension statement to verify monthly income in the amount of $XXX.(b). Missing Lender income calculation analysis for employed borrower

XXX Client provided Lender income calculation worksheet, condition remains for pension verification supporting $XXXXXX Client provided pension statements dated XXX supporting receipt of two pensions payment (XXX + XXX) for total of $XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score exceed guideline minimum of XXX CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below guideline maximum of XXX% CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Cash reserves of $XXX or XXX PITI reserves exceed guideline

409018844

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX Guidelines allow XXX CFCFS2860: Good credit history - xxx Comments:  Borrower Has history of good credit with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X 12 = $ XXX

409018854

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Required Reserves:  $XXX.  Verified $XXXSubject: $XXX x 6 = $XXXXXX:  $XXX x 3 = $XXX CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV

409018856

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Determine status upon review / receipt of B2 Schedule C VOE

XXX Client provided SOS dated XXX for Schedule C

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1735: XXX has significant time at current job - xxx Comments:  At XXX job since XXX

409018856

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Application

Satisfied

C

A

C

A

CRDAPP1813

Undisclosed non-arm's length transaction

No

Possible NAL.Per AUS findings:"20. Based on the loan application data, (B2) is employed by a family member, property seller, real estateagent, or other party to the transaction. The lender must obtain copies of the borrower's signed federal income tax returnsfiled with the IRS for the past two years. If the borrower's income is validated by the DU validation service, lenders are notrequired to determine if the borrower is employed by a family member or interested party to the property sale or purchase, sotax returns would not be required. (MSG ID XXXX)"Provide Borrower LOE re: relationship noted above.May be subject to additional conditions upon review.

XXX Client provided Lender LOX stating NAL was disclosed for B2 on 1003 with being checked as working for XXX member and provided complete copy of 2023 1040's

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1735: xxx has significant time at current job - xxx Comments:  At XXX job since XXX

409018856

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

CPA LOE/VOE in file only references XXX-XXX.Provide VOE meeting guidelines for B2 for Schedule C. May be subject to additional conditions upon review

XXX Client provided SOS dated XXX for Schedule C

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1735: xxx has significant time at current job - xxx Comments:  At xxxx job since XXX

409018856

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

2023 1040s are incomplete. Provide full return, all pages / schedules, as required by AUS:Per AUS findings:"20. Based on the loan application data, (B2) is employed by a XXX, property XXX, XXX, or other party to the transaction. The lender must obtain copies of the borrower's signed federal income tax returnsfiled with the IRS for the past XXX years. If the borrower's income is validated by the DU validation service, lenders are notrequired to determine if the borrower is employed by a XXX or XXX to the property sale or purchase, sotax returns would not be required. (MSG ID XXX)"May be subject to additional conditions upon review.

XXX Client provided Lender LOX stating NAL was disclosed for B2 on 1003 with being checked as working for XXX member and provided complete copy of 2023 1040's and provided signed dated pages of 1040 and 1120

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1735: XXX has significant time at current job - xxx Comments:  At Wage earner job since XXX

409018856

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Provide the following for 1120 and Schedule C.Cash Flow Analysis (Form 1084) or equivalent.May be subject to additional conditions upon review.

XXX Client provided Lender Cash Flow Analysis for B2 1120 and Schedule C

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1735: XXX has significant time at current job - xxx Comments:  At Wage earner job since XXX

409018880

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

State Consumer Protection

Satisfied

D

A

D

A

CMPSTCP2057

XXXX Pred Lend Database - No Cert of Compliance or Cert of Exemption in file

No

XXXX Cert of Compliance/Exemption missing.

XXX Client provided the Housing Counseling Decision Report. Condition remains. File is missing the XXXX Certificate of Compliance or Exemption that is recorded with the Mortgage.XXX Client provided the XXXX Cert of Compliance.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - xxx Comments:  XXX have additional income not used, CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above minimum program requirement of XXX.

409018880

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX-1; Seller's CD in file & able to test; Condition Satisfied.

(No Data)

Condition Satisfied.

Numeric

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - xxx Comments:  XXX have additional income not used, CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above minimum program requirement of XXX.

409018890

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds guideline minimum credit score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  Qualifying DTI of XXX is below guideline max DTI of XXX. CFCFS5269: Minimal use of credit - xxx Comments:  Credit history shows minimal use of consumer credit.

409018891

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3618

TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing

No

Unable to test a loan product due to missing initial CD in file.

XXX Client provided the Initial XXX CD and Tracking.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX % CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score XXX

409018891

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

CD XXX is the only pre-close CD in file. Missing initial CD acknowledged by borrower a minimum of XXX days prior to closing.

XXX Client provided the Initial XXX CD and Tracking.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX % CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score XXX

409018891

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

Credit

Assets

Satisfied

B

A

B

A

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing final CD for sale of departing with net proceeds of $XXX, fully executed prior to close of current loan.

XXX Client provided executed Seller CD from sale of home: XXX XXX XXX XX. with payoff of existing 1st and 2nd liens with borrower netting $XXX Note: subject PCCD closing date is XXX and this property sold/disbursed on XXX.

Condition satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX % CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score XXX

409018909

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX% CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower at current employment XXX years CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves $XXX or XXX months

409018919

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score exceed guideline minimum of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below guideline maximum of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Cash reserve $XXX- or XXX-months PITI exceed guideline

409018933

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV is below guideline requirements of XXX% per program. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXX months with XXX x XXX Mortgage payment history exceeds guidelines of XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX % DTI is  below guideline requirement of XXX %.

409018948

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

A

B

A

A

A

B

A

B

A

B

A

A

A

B

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Missing Affiliate Business Disclosure

XXX Client provided a rebuttal and screenshot of an Affiliated Business Search Report. Condition remains. The reports shows the Lender was the Requestor and the report was pulled in the name of the borrower and co-borrower. This does not appear to be the Affiliate Business Disclosure for the Lender. Provide the Lender's Affiliate Business Disclosure, OR Lender to provide a signed Attestation that they do not have any affiliated businesses.XXX Client provided a signed LOE from the Lender stating they do not have any business relationship with any service providers.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  ReservesXXX or XXX months PITI.  X months required

409018948

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

A

B

A

A

A

B

A

B

A

B

A

A

A

B

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  ReservesXXX or XXX months PITI.  X months required

409018948

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

A

B

A

A

A

B

A

B

A

B

A

A

A

B

A

Credit

Credit/Mtg History

Satisfied

B

A

B

A

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Provide XXX months VOR per XXX overlays for FTHB

XXX Client provided a VOR for time rented at departure address XXX months

Satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX DTI CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  ReservesXXX or XXX months PITI.  X months required

409018954

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% CLTV below guideline requirements of XXX% per program. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX months PITI in reserves. CFCFS5269: Minimal use of credit - xxx Comments:  Borrowers are very conservative credit user; minimal outstanding debt.

409018955

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Missing the Affiliate Business Disclosure.

XXX Client provided a signed LOE from Lender stating no affiliates were used.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds minimum required credit score of XXX. CFCFS1734: Borrower has significant time at current job - xxx Comments:  Both borrowers have XXX years with current employer. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post close reserves verified at $XXX, required reserves are $XXX.

409018969

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score XXX exceeds guidelines CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has significant time at current job, XXX years XXX months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified cash reserves exceed guidelines, $XXX or XXX months

409018969

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

REO reflect a new purchased property: XXX XXX XXX. PITIA $XXX Missing copy of executed Final CD to support this PITIA payment of $XXX (the same per DU requesting for verification) Note:File have: HOI, Taxes and Sales Contract, no P&I payment info. and adjustment to assets maybe required

XX Client provided executed Final CD from new purchase: XXX XXX XXX supporting PITIA of $XXX and cash to close of $XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score XXX exceeds guidelines CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has significant time at current job, XXX years XXX months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified cash reserves exceed guidelines, $XXX or XXX months

409018969

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Hazard Insurance Coverage

No

HOI reflect insufficient coverage of $XXXMissing HOI estimated replacement cost worksheet

XXX Client provided HOI estimated replacement cost worksheet

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score XXX exceeds guidelines CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has significant time at current job, XXX years XXX months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified cash reserves exceed guidelines, $XXX or XXX months

409018972

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX% CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score XXX

409018972

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing evidence of new bridge loan for XXX XXX XXX XXX to support loan amount of $XXX and PITI of $XXX

XXX Client provided copy of executed Note for XXX XXX XXX in the amount of $XXX and PI of $XXX and subject Final CD reflect these funds

Condition satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX% CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV XXX% CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score XXX

409018981

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

The Final Closing Disclosure does not reflect all the required Seller paid closing fees.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% CLTV below guideline requirements of XXX% per program. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI below guideline requirement of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrower has XXX months PITI in reserves.

409018983

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above minimum program requirement of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrower has X times the required reserves CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has XXX years and XXX months at current employer.

409019075

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX% CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV XXX % CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score XXX

409019162

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero Tolerance Fees in the amount of XXX due to Appraisal fee increase by XXX on CD XX/XX/XX with no valid reasons documented on COC XX/XX/XX in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.

XXX Client provided a XXX Email chain between the Lender and Appraisal management company indicating a XXX appraiser trip fee for the 1st appraiser and the order was reassigned "per the below", a XXX Invoice and another XXX COC reflecting a XXX Appraisal trip fee. Condition remains. Unclear why the order was reassigned, but the change appears to have been discovered as of the XXX Email, yet the fee was not increased until the XXX CD. Reason unclear and timing was not met for redisclosure. Borrower is due a refund of XXX, PCCD with tolerance cure, LOE and proof of delivery that includes tracking.XXX Client provided PCCD XXX with cure, copy of cure check, LOE and in transit shipping label.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - xxx Comments:  XXX years same line of work CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX LTV

409019162

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

Property Valuations

Appraisal

Satisfied

C

A

C

A

PRVAAPPR4789

Appraisal Deficiency

No

Note date of subject loan: XXXTitle reflects prior transfer recorded XXX, page 656 combined fileWarranty deed recorded XXX, page 468Appraisal reflects:a. XXX for XXX, page 225, 277, combined fileb. XXX for XXX, page 224c. XXX for XXX, page 237Appraiser to address / correct above discrepancies.May be subject to additional conditions upon review.

XXX Client provided updated appraisal reflecting date of XXX in all applicable areas

Condition satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - xxx Comments:  XXX years same line of work CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX LTV

409019168

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above minimum program requirement of XXX CFCFS1736: Significant time at current residence - xxx Comments:  Borrower had XXX years and XXX months at primary residence. CFCFS2854: Significant time in profession - xxx Comments:  Borrower has XXX years in profession.

409019379

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

XXXX Home Equity

Satisfied

C

A

C

A

CMPTXHE119

XXXX Equity - Affidavit of Fair Market Value not signed by lender

No

The XXXX Equity - Affidavit of Fair Market Value is missing the lender's signature.

XXX Client provided a fully executed Affidavit of Fair Market Value.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds guideline minimum credit score of XXX CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has XXX years with current employer. CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI of XXX is below guideline max DTI of XXX

409019385

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller-paid fees that should be disclosed in Sections E & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.

(No Data)

Condition Satisfied.

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX% below guideline requirement CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has significant time at current job, XXX years CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  B2 has significant time at current job, XXX years

409019385

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST205

Insufficient Funds to Close

No

Short funds to close due to: Missing XXX XXX #XXX XXX months bank statements (reflected on 1003 with balance $XXX) and Missing XXX XXX #XXX XXX months bank statements (reflected on 1003 with balance $XXX)

XXX Client provided the XXX statement with sufficient Assets

Satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX% below guideline requirement CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has significant time at current job, XXX years CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  B2 has significant time at current job, XXX years

409019385

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Insufficient reserves due to: Missing XXX XXX #XXX XXX months bank statements (reflected on 1003 w/balance of $XXX) and Missing XXX XXX #XXX XXX months bank statements (reflected on 1003 with balance $XXX)

XXX Client provided the XXX statement with sufficient Assets

Satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX% below guideline requirement CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has significant time at current job, XXX years CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  B2 has significant time at current job, XXX years

409019429

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5111

TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered

No

LE and CD e-signed by borrower; however, there is no prior e-sign consent in file. Provide e-Consent.

XXX Client provided the borrower's E-Consent.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score XXX exceeds guidelines CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX% below guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified cash reserves exceed guidelines

409019429

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Missing business license or 3rd party evidence of XXX VVOE in file by Lender stating business license verified, missing from loan file

XXX Client provided SOS dated XXX for XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score XXX exceeds guidelines CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX% below guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified cash reserves exceed guidelines

409019429

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC889

Income is Not Reasonable

No

Missing Lender Cash Flow Income Analysis for self employed borrower income

XXX Client provided Lender Cash Flow income Analysis supporting monthly income used for qualifying

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score XXX exceeds guidelines CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX% below guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified cash reserves exceed guidelines

409019429

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC888

Income Amount is  Unsupported by Documentation in File

No

Income used for qualifying is 2024/2023 (self employed) however CPA Letter in file (pg XXX) states: the 2024 returns are being held for filing because of the XXX exception which allows late payments without interest or penalty. File have extension for 2024 business however appears income for 2024 is being used in the two year requirement. (a) Missing evidence from CPA verifying 2024 were filed prior to closing (currently says was not filed), file do have per XXX print out (pg XXX) appears IRS payment of $XXX is PENDING clearing account (for 2024 1040 amount owed payment).  Subject to additional documentation

XXX Client provided updated XXX print out verifying IRS payment posted and withdrawn along with efile acceptance and email from CPA regarding filing.

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score XXX exceeds guidelines CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX% below guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified cash reserves exceed guidelines

409019434

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Determine status upon review / receipt of missing 2024 1040 / 2024 1040 extension.

XXX client provided tax extension and signed 24 1040

SAtisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one REO CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409019434

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Credit/Mtg History

Satisfied

C

A

C

A

CRDCRMH1805

Debts/obligations not disclosed/accounted for at origination

No

Provide sufficient documentation supporting XXX monthly HOA on REO, as reflected on final 1003.Subject to DTI and asset recalcs, and may be subject to additional conditions upon review.

XXX Client provided HOA verifying $XXX plus $XXX escrow shortgage

Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one REO CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409019434

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

VOE, page 115 combined file, is missing the third party verification of 'Printout of valid, active business registration fromregulatory website' referenced.Provide third party VOE for B1 1120s meeting self employed guidelines.May be subject to additional conditions upon review.

XXX Client provided SOS dated XXX for B1 1120s self employment

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one REO CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409019434

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC150

Income docs do not meet guidelines

No

Provide signed 2024 1040 or 2024 1040 extension.May be subject to additional conditions upon review.

XXX Client provided 24 extension and signed 2024 1040

Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one REO CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409019434

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Provide below for 1120s.May be subject to additional conditions upon review."The Fannie Mae 1084, or Freddie Mac Form 91 or equivalent is required for self-employment analysis. The most recent Form 1084 or Form 91 should be used based on application date. Instructions per Form 1084 or Form 91 must be followed.? Copy of liquidity analysis must be included in the loan file if the income analysis includes income from boxes 1, 2 or 3 on the K-1 that is greater than distributions indicated on the K-1.? If a liquidity analysis is required and the borrower is using business funds for down payment or closing costs, the liquidity analysis must consider the reduction of those assets"

XXX Client provided Lender Cash Flow Income analysis, 2024 under extension

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one REO CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409019434

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER2548

Missing AUS or AUS errors present

No

Loan is XXX AUS.Provide DU XXX referenced on 1008.Subject to full review, and may be subject to additional conditions upon review.

XXX Client provided DUAI X

Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one REO CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409019450

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

The Final Closing Disclosure does not reflect all the required seller-paid fees.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1739: Postive mortgage payment history - xxx Comments:  Borrowers have XXX months XXX x XXX on current mortgage CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX % LTV

409019450

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Ability to Repay/Qualified Mortgage

Satisfied

C

A

C

A

CRDATRQM3124

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.

No

Provide ATR/QM Determination

XXX Client provided Compliance Report stating QM as passing however did not provide a QM status. Condition remains for lender QM status. XXX Client provided Lender QM Safe Harbor status

Condition satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - xxx Comments:  Borrowers have XXX months XXX x XXX on current mortgage CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX % LTV

409019450

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST206

Asset Amounts Are Unsupported by Documentation in File

No

Provide documentation that the deposits of $XXX and $XXX that came from XXX #XXX is Borrowers account.  There is no name on the statement

XXX Client provided copy of XXX #XXX statement dated XXX that reflect these deposits coming from XXX #XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - xxx Comments:  Borrowers have XXX months XXX x XXX on current mortgage CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX % LTV

409019489

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX * XXX + REOs $XXX * XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXX mo. XXX x XXX mortgage payment history; XXX x XXX x XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI; max XXX%.

409019506

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX% CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower at current employment XXX years CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  CO borrower at current employment XXX years CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score XXX

409019532

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds guideline minimum credit score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post close reserves are verified at $XXX, required reserves are $XXX. CFCFS2854: Significant time in profession - xxx Comments:  Both borrowers have XXX years in current profession.

409019536

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

The Final Closing Disclosure does not reflect all the required Seller paid closing fees.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  XXX years, XXX months at current job. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.

409019544

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

409019567

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX Guidelines allow XXX CFCFS2860: Good credit history - xxx Comments:  Borrower Has history of good credit with X Late Payments > 24 Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are XXX or XXX months of PITIAGuidelines require 12 months or XXX X 12 = XXX+ 3 Months for Additional REO or XXX X 3 = XXX

409019598

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX CFCFS2860: Good credit history - xxx Comments:  Borrower Has history of good credit with XXX Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are $XXX or XXX months of PITIA Guidelines require XXX months or $XXX X XXX = $XXX

409020593

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX % CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV XXX % CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score XXX

409020596

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Compliance

Right of Rescission

Waived

B

B

B

B

CMPROR1909

Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor

No

Per Title Commitment in file, loan originated with the same lender. H9 ROR form should have been used instead

XXX Client provided approved exception for the incorrect ROR form used.

Initial & Final Grade B.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 > XXX years at current job

409020596

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Credit

Credit/Mtg History

Satisfied

B

A

B

A

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

VOM on subject, page XXX combined file, states no late payments in last the XXX months.Mortgage was opened XXX - provide updated VOM stating any late dates since it's origination.May be subject to additional conditions upon review.

XXX Client provided updated VOM verifying no late payments for length of loan

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 > XXX years at current job

409020596

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Credit

Credit/Mtg History

Satisfied

C

A

C

A

CRDCRMH1805

Debts/obligations not disclosed/accounted for at origination

No

Provide sufficient documentation that Open / 1 month XXX account with XXXX balance is a zero balance, to exclude from DTI, or provide additional liquid funds to support exclusion.May be subject to additional conditions upon review.

XXX Client provided LOX stating omission of XXX is due to borrower having sufficient funds to pay in full.  Response, liquid funds to cover XXX is not verified, however non liquid is verified to cover XXX balance.  Initial condition requested verification for additional liquid funds to support XXX XX day balance however it appears 401k balance is sufficient to cover the XX day XXX balance and evidence borrower can withdraw funds, currently having an outstanding loan balance.

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 > XXX years at current job

409020596

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

B2 is XXX. 3rd party VOES in file do not reflect dates printed.Please provide VOE meeting guidelines. May be subject to additional conditions upon review.

XXX Client provided LOX stating, XXX uploaded as of today for verification, please allow post-closing date since prior one in file matches (didnt have date). Response, post close dated (XXX) VVOE was provided allowing with state bar in file however was not dated with Lender VVOE stating verified on XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 > XXX years at current job

409020596

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC888

Income Amount is  Unsupported by Documentation in File

No

Provide 1065 liquidity worksheet calc.May be subject to additional conditions upon review.

XXX Client provided Lender 1065 Liquidity worksheet calculation, passing ratio

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 > XXX years at current job

409020596

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

Provide 2024 and 2023 IRS 1040 transcripts for B2.May be subject to additional conditions upon review.

XXX Client provided prior to closing 2024/2023 1040 Transcripts for B2

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score CFCFS1734: Borrower has significant time at current job - xxx Comments:  B1 > XXX years at current job

409020600

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero tolerance in the amount of XXX as 2nd Appraisal Fee was added to LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.

XXX Client provided a revised XXX COC. The Revised COC added additional comments stating: UW Requested 2nd appraisal due to internal policies. Condition remains. It's unclear what the actual "change in circumstance" is. Lender to provide additional clarification on what changed and what exactly the "internal policies" were that prompted the addition of the 2nd appraisal. Additional conditions may apply.XXX Client provided another XXX COC and a screenshot of the Investor guides confirming the requirement of the 2nd appraisal.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI below guideline requirement of XXX%. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.

409020600

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER2548

Missing AUS or AUS errors present

No

Loan locked on XXX XXX XXX-year. Missing AUS and revised 1008 Transmittal indicating Risk Assessment as AUS.

XXX Client provided an updated 1008 and a post close dated XXX AUS however never received a prior to closing AUS approval for loan file. Condition remains for copy of prior to closing AUS with review of this post close dated AUSNote date XXX and AUS provided is dated XXX XXX Client provided DUAI XXX

Satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI below guideline requirement of XXX%. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.

409020627

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Missing Affiliate Business Disclosure

XXX Client provided a signed LOE from the lender stating they are currently affiliated with XXX but are only licensed in XXX and XXX. Subject is in XXX. No fees paid to XXX.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX Guidelines allow XXX CFCFS1736: Significant time at current residence - xxx Comments:  Borrower has XXX Years at Current Residence CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $XXX X 6 = $ XXX+ 3 Months for Additional REO or $XXX X 3 = $ XXX

409020627

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3618

TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing

No

Unable to test a loan product due to missing initial CD in file.

XXX Client provided the missing Initial XXX CD.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX Guidelines allow XXX CFCFS1736: Significant time at current residence - xxx Comments:  Borrower has XXX Years at Current Residence CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $XXX X 6 = $ XXX+ 3 Months for Additional REO or $XXX X 3 = $ XXX

409020627

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

CD XXX is the only CD in file. Missing initial CD acknowledged by borrower a minimum of 3 days prior to closing.

XXX Client provided the missing Initial XXX CD.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX Guidelines allow XXX CFCFS1736: Significant time at current residence - xxx Comments:  Borrower has XXX Years at Current Residence CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $XXX X 6 = $ XXX+ 3 Months for Additional REO or $XXX X 3 = $ XXX

409020637

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX% CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV XXX% CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower at current employment XXX years

409020640

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Income/Employment

Waived

B

B

B

B

CRDINC3204

Income Documentation Missing

No

Borrower has gap of employment in employment history

RWT Approved Exception XXX provided for B1 is a XXX. XXX has a XXX year employment history in the XXX thru XXX...he then has a gap until XXX when he is set to begin a new position (also in the US). Income is being qualified via an XXX

xxx initial & final grade of B

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $XXX X 15 = $ XXX+ XXX Months for Additional REO or $ XXX X 3 = $ XXX

409020649

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Right of Rescission

Satisfied

D

A

D

A

CMPROR4407

ROR - No evidence that the material disclosures were delivered to all with rescission rights via TIL, CD or HELOC, as applicable

No

Final CD XXX in file was only provided to the borrower. Missing final CD acknowledged by non-borrowing spouse at closing.

XXX Client provided the Final CD signed by the NBS at Closing.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  File has a CU score of xxx supporting the appraised value CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX Score exceeds xxx Min CFCFS1736: Significant time at current residence - xxx Comments:  XXX years XXX months at current home

409020656

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Waived

B

B

B

B

CMPROR1909

Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor

No

Per Title Commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form.

XXX Client provided an approved exception for using incorrect ROR form

XXX Initial and final grade 2/B

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; xxx required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI; XXX% max allowed.

409020656

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Loan amount points increased on a revised CD XXX by $XXX without a valid COC or updated Rate Lock with a higher loan amount in file for the change. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund

XXX Client provided a 9/16 PCCD with cure, LOE, $XXX refund check and Tracking.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; xxx required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI; XXX% max allowed.

409020661

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; XXX required. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified reserves of $XXX; total reserves required $XXX.

409020673

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Credit/Mtg History

Satisfied

C

A

C

A

CRDCRMH1805

Debts/obligations not disclosed/accounted for at origination

No

Lender used rental income of $XXX/month to qualify from borrower's business property located at XXX.  Lender did not deduct a monthly PITI(A) payment; however, this property was reported on Schedule E of borrower's personal tax returns and shows mortgage interest deductions which indicates the borrower makes these payments personally.  File is missing XXX months cancelled checks verifying the PITI(A) payment is paid by the business.

XXX Client provided evidence the Borrowers XXX owns the REO and Business expenses / payments for ownership are deducted on Schedule C and Borrower deducts XXX on Schedule E

Satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has been XXX with current business since XXX. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is xxx points above the minimum required score of xxx. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrower has $XXX available in reserves; $XXX in reserves required.

409020673

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

File is missing verification of monthly expenses of $XXX for an additional property owned located at XXX.  Used amount from final 1003 for recalculations.

XXX Client provided supporting calculation for $XXX Taxes on land

Satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has been XXX with current business since XXX. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is xxx points above the minimum required score of xxx. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrower has $XXX available in reserves; $XXX in reserves required.

409020684

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3640

TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided

No

Zero tolerance in the amount of $XXX as Final Inspection Fee was added to CD XXX without a valid COC in file. As a result, the condition remains pending until receipt of a valid Change of Circumstance, PCD reflecting lenders cure, LOE issued to borrower, a copy of refund and proof of delivery including shipping details and tracking information.

XXX Client provided a copy of the XXX 1004D, the XXX CD with Tracking and a revised XXX COC stating property requires a final inspection. Condition remains. The original Appraisal and Invoice is dated XXX. Disclosure of the required XXX on XXX does not appear to meet timing requirements. Borrower is due a refund of $XXX, PCCD with tolerance cure, LOE and proof of delivery that includes tracking information.XXX Client provided the following Seller comment: Looks like we were missing an LE from the Lender, they sent over their LE where the final inspection was disclosed. A copy of the XXX COC and XXX LE was also provided.

Condition Satisfied.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX Guidelines allow XXX CFCFS2860: Good credit history - xxx Comments:  Borrower Has history of good credit with XXX Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are $XXX or $XXX months of PITIA Guidelines require XXX months or $XXX x XXX = $XXX

409020686

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing evidence of REO vacant lot HOA (or other fee) for $XXX/mo. as indicated on originator's breakdown of $XXX/mo. total reflected on Final 1003 and being used to qualify the borrower's DTI on DU approval; borrower's DTI is currently XXX% with a XXX% max for the program.

XXX Client provided evidence of $XXX quarterly for monthly $XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX effective/reserves; $XXX * XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX.

409020686

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing evidence of REO vacant lot HOA (or other fee) for $XXX/mo. as indicated on originator's breakdown of $XXX/mo. total reflected on Final 1003 and being used to qualify the borrower's DTI on DU approval; borrower's DTI is currently XXX% with a XXX% max for the program.

XXX Client provided evidence of $XXX quarterly for monthly $XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX effective/reserves; $XXX * XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX.

409020702

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV is XXX%; guidelines allow XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above minimum program requirement of XXX

409020707

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV is XXX% below the maximum allowable LTV of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have $XXX available in reserves; $XXX in reserves required.

409020725

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

RESPA

Waived

B

B

B

B

CMPRESPA2700

RESPA - List of homeowners counseling organizations not provided w/in 3 days of application

No

Application date XXX, Homeowners Counseling Disclosure dated XXX.

XXX Client provided an approved exception for HOCL not timely disclosed to borrowers.

XXX Initial and final grade XXX

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX Guidelines allow XXX CFCFS1736: Significant time at current residence - xxx Comments:  Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments:  Borrower has XXX Years in Current Profession

409020725

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3552

TRID - Loan Estimate not timely

No

Application date XXX, earliest LE  in file is dated XXX. Missing initial LE provided to borrowers within XXX days of application.

09/18/2025 Client provided missing Initial LE XXX

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX Guidelines allow XXX CFCFS1736: Significant time at current residence - xxx Comments:  Borrower has XXX Years at Current Residence CFCFS2854: Significant time in profession - xxx Comments:  Borrower has XXX Years in Current Profession

409020734

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1749: Additional documented income not used in qualifying - xxx Comments:  BXX shows additional bonus income of $XXX monthly that was not used in qualifying. CFCFS1746: Significant housing expense reduction - xxx Comments:  Borrowers will experience a XXX%, or $XXX monthly deduction in housing expense. CFCFS1744: DTI below guideline requirement - xxx Comments:  Qualifying DTI of XXX is below the guideline max DTI of XXX.

409020736

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Determine status upon review / receipt of  B2 prior VOE from XXX - XXX, to complete XXX month employment verification requirement.

XXX Client provided prior VVOE for B2 verifying employment from XXX - XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409020736

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not on Borrower final CD XXX. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409020736

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

No

Per final 1003 and AUS findings, B2 is a XXX.Provide documentation related to XXX, meeting requirements.May be subject to additional conditions upon review.

XXX Client provided copy of front and back copy of XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409020736

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Provide B2 prior VOE from XXX-XXX, to complete XXX month employment verification requirement.May be subject to additional conditions upon review.

XXX Client provided prior VVOE for B2 verifying employment from XXX - XXX

Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409020737

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

409020745

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not on Borrower final CD XXX. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post close reserves verified at $XXX, required reserves are $XXX. CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments:  Borrowers mortgage history shows zero delinquencies, and zero delinquencies on consumer debt.

409020747

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1739: Postive mortgage payment history - xxx Comments:  Borrowers have XXX months 0x30 on current mortgage CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves$XXX or XXX months PITI. XXX months required

409020747

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5111

TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered

No

LE was e-signed by both borrowers; however, there is no prior e-sign consent in file; by regulation, e-signed disclosures must be treated as not delivered. Provide e-Consent for all borrowers.

XXX Client provided an LOE stating Application date was XXX. Primary borrower e-consented on XXX, CB did not. Hard copy mailed on XXX. Tracking screenshot provided shows hard copy sent on XXX. Timing was met.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - xxx Comments:  Borrowers have XXX months 0x30 on current mortgage CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves$XXX or XXX months PITI. XXX months required

409020754

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

B

A

D

A

D

A

A

A

B

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Required Affiliate Business Disclosure/ FACTS missing

XXX Client provided an attestation from Lender stating they do not have any affiliated businesses.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has been with current employer since XXX. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  Co-borrower has been with current employer since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is xxx points above the minimum required score of xxx.

409020754

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

B

A

D

A

D

A

A

A

B

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has been with current employer since XXX. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  Co-borrower has been with current employer since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is xxxpoints above the minimum required score of xxx.

409020754

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

B

A

D

A

D

A

A

A

B

A

Credit

Assets

Satisfied

D

A

D

A

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

File is missing documentation verifying withdrawal from XXX *XXX on XXX in the amount of $XXX was for the cash required to close for the subject transaction.

XXX Client provided deposit sourcing

Satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has been with current employer since XXX. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  Co-borrower has been with current employer since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is xxx points above the minimum required score of xxx.

409020810

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; xxx required. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  XXX years, XXX months at current job.

409020815

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX months PITIA in reserves. CFCFS5269: Minimal use of credit - xxx Comments:  Borrowers are conservative credit users with minimal outstanding debts.

409020815

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER2548

Missing AUS or AUS errors present

No

The loan was locked on XXX XXX AUS 30-year. Missing AUS.

XXX Client provided a lock changing the program to XXX 30Y, AUS not required

Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX months PITIA in reserves. CFCFS5269: Minimal use of credit - xxx Comments:  Borrowers are conservative credit users with minimal outstanding debts.

409020837

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Fico score XXX exceeds guide lines. CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has stable employment with XXX years at current job.

409020979

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score;xxx required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.

409020988

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409020988

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Credit

Credit/Mtg History

Waived

D

B

D

B

CRDCRMH183

Credit report incomplete

No

XXX CBR reflects B2 XXX as frozen.Per guides, please provide below. May be subject to additional conditions upon review.Guides:"Credit Reports-Frozen Bureaus: Credit reports with bureaus identified as frozen are required to be unfrozen and a current credit report with all bureaus unfrozen is required.

XXX Client provided an approved exception  to allow the file with a frozen credit bureau report

Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Strong reserves,  Borrower credit score exceeds min required

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409020988

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

B1 VOE does not reflect Hire date.Provide VOE meeting all requirements.May be subject to additional conditions upon review.

XXX Client provided VVOE XXX with hire date

Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score

409020999

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has been with current employer since XXX. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  Co-borrower has been with current employer since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have $XXX available in reserves; $XXX in reserves required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below the maximum allowed DTI of XXX%.

409021009

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD.

(No Data)

Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation.

Numeric

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXX months with XXX x XXX Mortgage payment history exceeds guidelines of XXX months. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI below guideline requirement of XXX%.

409021012

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX*9= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXXmo. 0x30 mortgage payment history; 0x30x24 required.

409021012

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Final LE XXX is not signed and there is no evidence in file of when it was delivered to borrower. Delivery method defaults to the mailbox rule.

XXX Client provided the full disclosure tracking details confirming receipt on XXX.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX*9= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXXmo. 0x30 mortgage payment history; 0x30x24 required.

409021012

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5111

TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered

No

LEs were delivered via email; however, there is no prior e-Consent in file or evidence of when LEs were delivered. Provide e-Consent for all borrowers and proof of delivery.

XXX Client provided a screenshot of a portion of the XXX COC with an Email stating the notice of change circumstance was with the initial file upload. Condition remains. The copy in file does not contain the Blend Envelope ID information and that stamp does not reflect the E-Consent. Provide the accepted E-Consent for all borrowers.XXX Client provided the full disclosure tracking details including the E-Consents.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX*9= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXXmo. 0x30 mortgage payment history; 0x30x24 required.

409021019

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

Missing 2024 W2 for prior employer XXX for B2

XXX Client provided the XXX paystub from prior emp; condition remains for 2024 W2 for XXX employer  XXX Client provided 2024 w2 for B2 employment with XXX (prior employment)

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX Credit score - Credit score of XXX is XXX points above minimum program requirement of XXX CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX% is below the guideline minimum of XXX%.

409021021

XXXXXX

XXXXXX

QM: Rebuttable Presumption (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Missing initial CD XXX acknowledged by borrowers min XXX days prior to closing.

XXX Client provided the missing XXX Initial CD and Tracking.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above minimum program requirement of XXX CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX times the required reserves

409021023

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score of XXX exceeds guideline minimum credit score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post close reserves verified at $XXX, required reserves are $XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI of XXX is below guideline max DTI of XXX.

409021074

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above minimum program requirement of XXX CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has XXX years at current employer and XXX years XXX months in this line of work.

409021101

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees and Realtor Commission fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has been with current employer since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX months of PITI available in reserves; XXX months required.

409021114

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  Co-borrower has been self-employed with current business since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have $XXX available in reserves; $XXX in reserves required.

409021114

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

File is missing XXX IRS tax transcripts for XXX self-employment.

XXX Client provided copy of XXX 1040 Transcripts supporting XXX XXX Schedule C

Condition satisfied

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  Co-borrower has been self-employed with current business since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have $XXX available in reserves; $XXX in reserves required.

409021114

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

File is missing a CDA or CCA supporting appraised value of $XXX.

XXX Client provided 3rd party CDA valuation supporting appraised value with XXX% variance

Condition satisfied

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  Co-borrower has been self-employed with current business since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have $XXX available in reserves; $XXX in reserves required.

409021119

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX Median FICO is XX points above guideline program minimum of XXX.

409021147

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower has been with current employer since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below the maximum allowed DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrower has XXX months of PITI available in reserves; XXX months required.

409021158

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves$XXX or XXX months PITI.  XXX months required CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV

409021178

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX-X. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below guideline maximum of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score exceed guideline minimum of XXX. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV is below guideline maximum of XXX%.

409021192

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - xxx Comments:  Borrower Has history of good credit with 0 Late Payments > XXX Months CFCFS1739: Postive mortgage payment history - xxx Comments:  Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are $XXX or XXXX months of PITIAGuidelines require XXX months or $XXX X 9 = $XXX+ XXX Months for Additional REO or $XXX X 3 = $XXX

409021244

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit xxx Guidelines allow xxx CFCFS2854: Significant time in profession - xxx Comments:  Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are $XXX or XXX months of PITIAGuidelines require 12 months or $XXX X 12 = $ XXX+ 3 Months for Additional REO or $XXX X 3 = $ XXX

409021249

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD.

(No Data)

Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Required Reserves:  $XXX.  Verified $XXXSubject:  $XXX x 12 = $XXXXXX $XXX x 3 = $XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score

409021249

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero tolerance in amount of $XXX due to increase in Appraisal fee on LE XXX. COC dated XXX indicates fee was increased due to Rush fee added. Condition is pending receiving further information such as borrower's request to rush fee, and when rush was requested as Appraisal invoice is dated XXX.

XXX Client provided a XXX PCCD with cure, LOE, refund check and proof of shipment.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Required Reserves:  $XXX.  Verified $XXXSubject:  $XXX x 12 = $XXXXXX $XXX x 3 = $XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score

409021249

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Credit

Terms/Guidelines

Waived

B

B

B

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing XXX Worksheet for B3

XXX Client provided approved exception for missing XXX Worksheet

Upon further review by Senior Underwriter exception is deemed non material. Final Grade B

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Required Reserves:  $XXX.  Verified $XXXSubject:  $XXX x 12 = $XXXXXX $XXX x 3 = $XXX CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score

409021253

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Assets: Borrowers have $XXX in reserves. Required reserves are XXX month's x $XXX = $XXX total required reserves.. CFCFS1737: LTV below guideline requirements - xxx Comments:  LTV of XXX% is below guideline max LTV CFCFS2854: Significant time in profession - xxx Comments:  Borrower has XXX years in the same profession.

409021304

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

The Final Closing Disclosure does not reflect all the required seller-paid fees.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $7XXX*6= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI; max XXX%.

409021308

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

The Final Closing Disclosure does not reflect all the required Seller paid closing fees.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrowers have been self-employed with current business since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX months of PITI available in reserves; XXX months required.

409021308

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5111

TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered

No

The file does not contain borrower's E-Consent documentation.

XXX Client provided the docusign with the XXX e-consent.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrowers have been self-employed with current business since XXX. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is XXX points above the minimum required score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers have XXX months of PITI available in reserves; XXX months required.

409021589

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Income/Employment

Waived

B

B

B

B

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Missing B1 VOE to be performed no more than XXX(XXX) business days prior to the Note date XXX; VOE provided XXX is not within the guideline requirement.

XXX Client provided VVOE for B2 however initial condition is for B1 VVOE dated within XXX business days of Note.  Condition remains XXX Client provided VVOE for B1 (post dated XXX and VVOE in file is dated XXX (not within XXX business days).  Condition remains post close dated VVOE and prior to closing VVOE not dated within 10 business days for B1. XXX Client provided an approved exception to allow the file with a post close VVOE and prior to close outside XXX days

xxx final grade is B

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX*15 + XXX $XXX*3= $XXX reserves required. CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  XXmo. 0x30 mortgage payment history; 0x30x24 required.

409021618

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS2854: Significant time in profession - xxx Comments:  B2 has been in the same profession for XXXyears. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX * 12= $XXX reserves required.

409021624

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qualifying score; XXX required. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI; XXX% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.

409021641

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing HUD-1 from sale of XXX XXX XX, XXX, XX XXXXX.

9/16 Client provided the HUD

Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score exceed guideline minimum of XXX. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV is below guideline maximum of XXX% CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  Borrower's current mortgage history of XXX months exceeds guideline minimum of XXX months.

409021641

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL2550

Missing HUD-1 from sale of property

No

Missing HUD-1 from sale of XXX XXX XXX, XXX, XX XXXX. Evidence payoff of BNK XXX#XXX and XXX XX#XXX. Net proceeds of $XXX deposited XXX into borrower's XXX XX#XXX.

XXX Client provided the executed HUD from sale to relocation company with payoffs and sufficient proceeds

Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score exceed guideline minimum of XXX. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV is below guideline maximum of XXX% CFCFS1740: Mortgage payment history exceeds guidelines - xxx Comments:  Borrower's current mortgage history of XXX months exceeds guideline minimum of XXX months.

409021650

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX Guidelines allow XXX. CFCFS2854: Significant time in profession - xxx Comments:  Borrower has XXX Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are $ XXX or XXX months of PITIA Guidelines require X months or $XXX X 6 = $XXX+ XXX Months for Additional REO or $XXX X 3 = $XXX.

409021673

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX % DTI CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Reserves: $XXX or XXX months PITI.  XXX months required on subject and XXX months on REO

409021752

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  High Credit XXX Guidelines allow XXX CFCFS2860: Good credit history - xxx Comments:  Borrower Has history of good credit with XXX Late Payments > XXX Months CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Post Close Assets are $XXX or XXX months of PITIA Guidelines require X months or $XXX X 6 = $XXX

409021753

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX * XXX= $XXX reserves required.

409021799

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI is below guideline maximum of XXX%. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX credit score exceed guideline minimum of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Cash reserves $XXX- or XXX-months PITI exceed guideline

409021802

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - xxx Comments:  Borrower has been in the same profession for XXX years. CFCFS1736: Significant time at current residence - xxx Comments:  Borrower has been at the same residence for XXX years. CFCFS1737: LTV below guideline requirements - xxx Comments:  XXX% LTV; max XXX%. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  $XXX reserves; $XXX * XXX= $XXX reserves required. CFCFS1741: Credit score exceeds guidelines - xxx Comments:  XXX qual score; min XXX. CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX% DTI; max XXX%

409021815

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Credit score of XXX is 108 points above minimum program requirement of XXX. CFCFS1731: Verified cash reserves exceed guidelines - xxx Comments:  Borrowers reserves exceed amount required by guidelines. CFCFS1735: Co-Borrower has significant time at current job - xxx Comments:  B2 has been with current employer since  XXX

409022300

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - xxx Comments:  Borrower at current employment XXX years CFCFS1744: DTI below guideline requirement - xxx Comments:  DTI XXX % CFCFS1741: Credit score exceeds guidelines - xxx Comments:  Qualifying credit score XXX

409023738

XXXXXX

XXXXXX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

The Final Closing Disclosure does not reflect all the required Seller paid closing fees.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - xxx Comments:  XXX % DTI; XXX % max allowed. CFCFS1734: Borrower has significant time at current job - xxx Comments:  XXX years, XXX months at current job.

Client Name:
Client Project Name:	SEMT 2025-11
Start - End Dates:	5/26/2025 - 9/25/2025
Deal Loan Count:	187
Conditions Report 2.0
Loans in Report:	187
Loans with Conditions:	132

Loan Number

TRID Indicator

Lender Application Date

Broker Application Date

Initial Securitization Overall Loan Grade

Final Securitization Overall Loan Grade

Initial Securitization Credit Loan Grade

Final Securitization Credit Loan Grade

Initial Securitization Property Valuations Loan Grade

Final Securitization Property Valuations Loan Grade

Initial Securitization Compliance Loan Grade

Final Securitization Compliance Loan Grade

Initial S&P Overall Loan Grade

Final S&P Overall Loan Grade

Initial S&P Credit Loan Grade

Final S&P Credit Loan Grade

Initial S&P Property Valuations Loan Grade

Final S&P Property Valuations Loan Grade

Initial S&P Compliance Loan Grade

Final S&P Compliance Loan Grade

Did Lender Acknowledge Exception at Origination

409011483

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

No

409012814

Yes

XXXXXX

XXXXXX

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Not Applicable

409013618

Yes

XXXXXX

XXXXXX

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Not Applicable

409013631

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Not Applicable

409013917

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

409013956

Yes

XXXXXX

XXXXXX

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

Not Applicable

409014270

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409014919

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

B

A

D

A

A

A

D

A

B

A

Not Applicable

409014946

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

No

409014996

Yes

XXXXXX

XXXXXX

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Not Applicable

409015059

Yes

XXXXXX

XXXXXX

D

A

C

A

D

A

D

A

D

A

C

A

D

A

D

A

Not Applicable

409015199

Yes

XXXXXX

XXXXXX

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

No

409015453

Yes

XXXXXX

XXXXXX

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

No

409015497

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

409015505

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409015554

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

409015616

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409015703

Yes

XXXXXX

XXXXXX

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Not Applicable

409015743

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409015915

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409015938

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409016290

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409016342

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

No

409016348

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409016365

Yes

XXXXXX

XXXXXX

D

B

D

B

C

B

D

A

D

B

D

B

C

B

D

A

Not Applicable

409016521

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

409016592

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Not Applicable

409016654

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

No

409016676

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

No

409016681

Yes

XXXXXX

XXXXXX

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Not Applicable

409016690

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409016713

Yes

XXXXXX

XXXXXX

D

B

C

B

D

A

D

A

D

B

C

B

D

A

D

A

Not Applicable

409016727

Yes

XXXXXX

XXXXXX

D

B

D

B

D

A

C

B

D

B

D

B

D

A

C

B

Not Applicable

409016764

Yes

XXXXXX

XXXXXX

D

B

D

B

D

A

D

B

D

B

D

B

D

A

D

B

No

409016784

Yes

XXXXXX

XXXXXX

D

B

D

B

D

A

D

A

D

B

D

B

D

A

D

A

No

409016791

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

409016794

Yes

XXXXXX

XXXXXX

D

B

C

B

D

A

C

B

D

B

C

B

D

A

C

B

Not Applicable

409016858

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

No

409016881

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

No

409016894

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409016976

Yes

XXXXXX

XXXXXX

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

No

409017218

Yes

XXXXXX

XXXXXX

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

B

Not Applicable

409017219

Yes

XXXXXX

XXXXXX

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

No

409017306

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

No

409017317

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Not Applicable

409017349

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

409017351

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

No

409017413

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409017470

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409017473

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Not Applicable

409017485

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409017487

Yes

XXXXXX

XXXXXX

D

B

B

A

A

A

D

B

D

B

B

A

A

A

D

B

No

409017500

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409017799

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

409017841

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409017921

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409017929

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

No

409017991

Yes

XXXXXX

XXXXXX

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

No

409017995

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409017996

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409018252

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

409018259

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409018261

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409018269

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

No

409018272

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

409018277

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

No

409018280

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

No

409018374

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

No

409018378

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409018380

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

No

409018387

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409018404

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

No

409018406

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409018408

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

409018432

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Not Applicable

409018438

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409018448

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409018460

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Not Applicable

409018491

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

409018496

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

409018505

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409018522

Yes

XXXXXX

XXXXXX

D

B

D

B

A

A

B

B

D

B

D

B

A

A

B

B

Not Applicable

409018528

Yes

XXXXXX

XXXXXX

B

B

B

A

A

A

B

B

B

B

B

A

A

A

B

B

Not Applicable

409018593

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409018594

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409018606

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409018617

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409018619

Yes

XXXXXX

XXXXXX

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Not Applicable

409018709

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

409018724

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409018735

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

B

A

D

A

D

A

D

A

B

A

Not Applicable

409018738

Yes

XXXXXX

XXXXXX

D

A

D

A

C

A

D

A

D

A

D

A

C

A

D

A

No

409018750

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

No

409018753

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

409018763

Yes

XXXXXX

XXXXXX

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Yes

409018766

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409018823

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

No

409018834

Yes

XXXXXX

XXXXXX

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Not Applicable

409018844

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409018854

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409018856

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

No

409018880

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

409018890

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409018891

Yes

XXXXXX

XXXXXX

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

No

409018909

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409018919

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409018933

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409018948

Yes

XXXXXX

XXXXXX

B

A

B

A

A

A

B

A

B

A

B

A

A

A

B

A

No

409018954

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409018955

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

No

409018969

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

409018972

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

409018981

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409018983

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409019075

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409019162

Yes

XXXXXX

XXXXXX

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

No

409019168

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409019379

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

No

409019385

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

409019429

Yes

XXXXXX

XXXXXX

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

No

409019434

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

No

409019450

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

409019489

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409019506

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409019532

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409019536

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409019544

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409019567

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409019598

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409020593

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409020596

Yes

XXXXXX

XXXXXX

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Not Applicable

409020600

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

Not Applicable

409020627

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Not Applicable

409020637

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409020640

Yes

XXXXXX

XXXXXX

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Not Applicable

409020649

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

No

409020656

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

409020661

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409020673

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

409020684

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Yes

409020686

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Not Applicable

409020702

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409020707

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409020725

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

409020734

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409020736

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

No

409020737

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409020745

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409020747

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

409020754

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

B

A

D

A

D

A

A

A

B

A

Not Applicable

409020810

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409020815

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

409020837

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409020979

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409020988

Yes

XXXXXX

XXXXXX

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

No

409020999

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409021009

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409021012

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

409021019

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

409021021

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Not Applicable

409021023

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409021074

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409021101

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409021114

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Not Applicable

409021119

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409021147

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409021158

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409021178

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409021192

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409021244

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409021249

Yes

XXXXXX

XXXXXX

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Not Applicable

409021253

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409021304

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409021308

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

409021589

Yes

XXXXXX

XXXXXX

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Not Applicable

409021618

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409021624

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409021641

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Not Applicable

409021650

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409021673

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409021752

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409021753

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409021799

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409021802

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

409021815

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409022300

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

409023738

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable