EX-99.5 6 ex99-5.htm MISSION RATING AGENCY GRADES DETAIL

Exhibit 99.5

Exception Grade Detail

CSMC 2022-ATH2_5-10-2022_FINAL_REDACTED

Run Date - 5/10/2022 14:00:00 PM

Loan ID

Seller Loan ID

Investor Loan ID

Overall Initial Loan Grade

Overall Final Loan Grade

Credit Initial Loan Grade

Credit Current/Final Loan Grade

Compliance Initial Loan Grade

Compliance Current/Final Loan Grade

Property Initial Loan Grade

Property Current/Final Loan Grade

Queue

Finding Code

Date Created

Date Modified

Finding Status

Event Level

Initial Finding Grade

Current/Final Finding Grade

Finding Category

Finding Sub Category

Finding Name

Finding Comments

Seller Comments

Resolution Comments

Reviewer Comp Factor

Originator Comp Factors

Finding Documents

Originator QM Status

Final Reviewed QM Status

Loan Amount

Property State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding Codes

XXXXXXX_2022-ATH2-1

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-2

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-3

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-4

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-5

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-6

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-7

[redacted]

Closed

FCRE1347

2022-01-11 13:36

2022-01-13 12:30

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/13/2022

Open-Borrower 1 and 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/11/2022

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/13/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-8

[redacted]

Closed

FCRE7347

2022-01-21 11:47

2022-02-03 13:17

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease received - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-01/21/2022

Open-BORROWER SUBJECT PROPERTY LEASE AGREEMENT IS MISSING. - Due Diligence Vendor-01/11/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-01/21/2022

Resolved-Lease received - Due Diligence Vendor-02/03/2022

[redacted] - RENTAL_LEASE AGREEMENTS.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-9

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-10

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-11

[redacted]

Closed

FCRE7756

2022-01-21 11:50

2022-02-03 11:52

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-01/21/2022

Open-CREDIT REPORT IS MISSING - Due Diligence Vendor-01/10/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-01/21/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/03/2022

[redacted] - LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-12

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-13

[redacted]

Closed

FCRE7756

2022-01-21 12:06

2022-02-03 12:00

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Ready for Review-Document Uploaded. Uploaded credit report - Seller-01/21/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/03/2022

[redacted] - LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-14

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-15

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-16

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXX_2022-ATH2-17

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-18

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-19

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-20

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-21

[redacted]

Closed

finding-3631

2022-01-18 07:32

2022-01-21 08:08

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved-Resolved - Due Diligence Vendor-01/21/2022

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/18/2022

Resolved-Resolved - Due Diligence Vendor-01/21/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-21

[redacted]

Closed

finding-3632

2022-01-18 07:32

2022-01-21 08:08

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Resolved-Resolved - Due Diligence Vendor-01/21/2022

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/18/2022

Resolved-Resolved - Due Diligence Vendor-01/21/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-22

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-23

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-24

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-25

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-26

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-27

[redacted]

Closed

FCRE7347

2022-03-01 19:22

2022-03-04 07:21

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-received lease on second unit - Due Diligence Vendor-03/04/2022

Ready for Review-Document Uploaded. Uploaded lease for 2nd unit - Seller-03/02/2022

Open-missing lease for second unit - Due Diligence Vendor-02/04/2022

Ready for Review-Document Uploaded. Uploaded lease for 2nd unit - Seller-03/02/2022

Resolved-received lease on second unit - Due Diligence Vendor-03/04/2022

[redacted]-LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-28

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-29

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-30

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-31

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-32

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-33

[redacted]

Closed

FCRE7347

2022-03-23 08:49

2022-03-24 11:02

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-lease received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. please send lease and updated DSCR - Seller-03/23/2022

Open-SUBJECT PROPERTY LEASE AGREEMENT IS MISSING. - Due Diligence Vendor-01/14/2022

Ready for Review-Document Uploaded. please send lease and updated DSCR - Seller-03/23/2022

Resolved-lease received - Due Diligence Vendor-03/24/2022

[redacted]-LEASE AGREEMENT.pdf

[redacted]-DSCR form 7-14-20 1.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-34

[redacted]

Closed

FVAL1039

2022-01-11 16:07

2022-01-14 11:06

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Desk Review supports original appraisal.
- Due Diligence Vendor-01/14/2022

Open-AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-01/11/2022

Resolved-Desk Review supports original appraisal.
- Due Diligence Vendor-01/14/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-35

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-36

[redacted]

Closed

FCRE7756

2022-02-07 19:08

2022-02-28 04:21

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/08/2022
Ready for Review-Document Uploaded. Uploaded the Credit Report - Seller-02/08/2022
Open-Summary reflects a credit score of [redacted] and 1003 reflects credit accounts. Credit report was not provided. - Due Diligence Vendor-01/28/2022
Rescinded-Credit Report is Missing - Due Diligence Vendor-01/11/2022

Ready for Review-Document Uploaded. Uploaded the Credit Report - Seller-02/08/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/08/2022

Rescinded-Credit Report is Missing - Due Diligence Vendor-01/11/2022

[redacted]-LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-36

[redacted]

Closed

FCOM4028

2022-01-11 01:16

2022-01-14 09:51

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/14/2022

Open-Missing evidence of Mortgage recording Evidence of Mortgage recorded missing in the file. - Due Diligence Vendor-01/11/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-37

[redacted]

Closed

FVAL9739

2022-01-14 11:12

2022-01-20 11:06

Resolved

1 - Information

Property

Appraisal

Property/Appraisal General

Resolved-Condition AVM Review supports original appraisal.
- Due Diligence Vendor-01/20/2022

Open-BPO/Desk Review needed over 10% variance - Due Diligence Vendor-01/14/2022

Resolved-Condition AVM Review supports original appraisal.
- Due Diligence Vendor-01/20/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-38

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-39

[redacted]

Closed

FVAL9739

2022-01-17 08:33

2022-01-20 11:02

Resolved

1 - Information

Property

Appraisal

Property/Appraisal General

Resolved-Condition AVM supports original appraisal
- Due Diligence Vendor-01/20/2022

Open-BPO/Field Review required, AVM over the 10% variance - Due Diligence Vendor-01/17/2022

Resolved-Condition AVM supports original appraisal
- Due Diligence Vendor-01/20/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-40

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-41

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-42

[redacted]

Closed

FCOM1544

2022-01-14 07:10

2022-05-04 13:38

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/18/2022

Rescinded-Final closing disclosure missing. Could not run compliance.
FINAL CD page 255 - ran compliance. RV - Due Diligence Vendor-01/14/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-43

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-44

[redacted]

Closed

FCRE7756

2022-01-21 13:04

2022-01-28 08:00

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-01/28/2022

Resolved- - Due Diligence Vendor-01/28/2022

Ready for Review-Document Uploaded. Uploaded credit report and OFAC clearance. - Seller-01/21/2022

Open-Credit Report is missing - Due Diligence Vendor-01/10/2022

Ready for Review-Document Uploaded. Uploaded credit report and OFAC clearance. - Seller-01/21/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-01/28/2022

[redacted] - LENDER CREDIT REPORT.pdf

[redacted] - OFAC CLEARANCE.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-45

[redacted]

Closed

FCOM4028

2022-01-10 23:36

2022-01-14 09:51

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/14/2022

Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/13/2022

Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/11/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-45

[redacted]

Closed

FCRE1491

2022-01-12 08:17

2022-01-13 09:48

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-01/13/2022

Open-Asset Qualification Does Not Meet Guideline Requirements Total assets showed less than that of Cash to close from borrower. They are short of $22382.24 - Due Diligence Vendor-01/12/2022

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-01/13/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-46

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-47

[redacted]

Closed

FCOM4028

2022-01-11 02:26

2022-01-14 09:51

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-48

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-49

[redacted]

Closed

FCRE1145

2022-01-12 07:20

2022-01-19 11:00

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/19/2022

Open-Final title policy is missing. - Due Diligence Vendor-01/12/2022

Resolved-File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/19/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-50

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-51

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXXXXX_2022-ATH2-52

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-53

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-54

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-55

[redacted]

Closed

FPRO1242

2022-01-21 13:55

2022-02-03 12:29

Resolved

1 - Information

Property

Missing Doc

Appraisal is Missing

Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded appraisal - Seller-01/21/2022

Open-Appraisal is missing. - Due Diligence Vendor-01/18/2022

Ready for Review-Document Uploaded. Uploaded appraisal - Seller-01/21/2022

Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-02/03/2022

[redacted] - APPRAISAL.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-56

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-57

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-58

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-59

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-60

[redacted]

Closed

FCRE7756

2022-01-21 14:00

2022-01-28 07:50

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-01/28/2022

Resolved- - Due Diligence Vendor-01/28/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-01/21/2022

Open-Credit Report is Missing - Due Diligence Vendor-01/10/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-01/21/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-01/28/2022

[redacted] - LENDER CREDIT REPORT.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-61

[redacted]

Closed

FCRE2109

2022-01-21 14:04

2022-02-03 11:56

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Received DSCR worksheet - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-01/21/2022

Open-DSCR calculation sheet missing - Due Diligence Vendor-01/19/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-01/21/2022

Resolved-Received DSCR worksheet - Due Diligence Vendor-02/03/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-62

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXX_2022-ATH2-63

[redacted]

Closed

FCRE1201

2022-01-12 14:57

2022-05-03 04:14

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/03/2022

Rescinded-Missing Third Party Fraud Report - Due Diligence Vendor-01/12/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-64

[redacted]

Closed

finding-47

2022-02-07 19:13

2022-02-11 09:46

Resolved

1 - Information

Compliance

Right to Rescind

TILA Right of Rescission Test

Resolved-pg 428 verifies 12/28 funding date - Due Diligence Vendor-02/11/2022

Resolved-This loan failed the TILA right of rescission test.

Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. disbursement proof page  - Due Diligence Vendor-02/11/2022

Resolved-This loan failed the TILA right of rescission test.

Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-01/18/2022

Counter-Provide proof from title company that funds were disbursed on 12/28.   - Due Diligence Vendor-02/08/2022

Ready for Review-Uploaded the recorded Mtg date [redacted] recession on [redacted] Loan was funded 12/28/2021
- Seller-02/08/2022

Counter-Disbursement Date to be [redacted] - Due Diligence Vendor-02/03/2022

Counter-Document Uploaded. See uploaded Final CD  Disbursement date is [redacted] - need proof funds were disbursed [redacted] - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded the recorded Mtg date [redacted] recession on [redacted] Loan was funded [redacted] - Seller-01/24/2022

Ready for Review-Uploaded the recorded Mtg date [redacted] recession on [redacted] Loan was funded [redacted]1
- Seller-02/08/2022
Ready for Review-Document Uploaded. Uploaded the recorded Mtg date [redacted]1 recession on [redacted] Loan was funded [redacted]- Seller-01/24/2022

[redacted]-RECORDED DOT_MORTGAGE.pdf
[redacted] - Notice of Right to Cancel.pdf
[redacted] _ [redacted].pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-64

[redacted]

Closed

finding-3591

2022-01-24 10:01

2022-02-03 13:14

Resolved

1 - Information

Compliance

TRID

TRID Initial Closing Disclosure Date and Date Creditor Received Application Validation Test

Resolved-CD is received - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded the Initial COC & CD - Seller-01/24/2022

Open-Initial CD Missing on loan - Due Diligence Vendor-01/18/2022

Ready for Review-Document Uploaded. Uploaded the Initial COC & CD - Seller-01/24/2022

Resolved-CD is received - Due Diligence Vendor-02/03/2022

[redacted]-EXECUTED CLOSING DISCLOSURE.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-64

[redacted]

Closed

finding-3631

2022-02-03 11:07

2022-02-03 12:38

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved-Resolved - Due Diligence Vendor-02/03/2022

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/03/2022

Resolved-Resolved - Due Diligence Vendor-02/03/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-64

[redacted]

Closed

finding-3632

2022-02-03 11:07

2022-02-03 12:38

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Resolved-Resolved - Due Diligence Vendor-02/03/2022

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/03/2022

Resolved-Resolved - Due Diligence Vendor-02/03/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-64

[redacted]

Closed

finding-3634

2022-02-03 11:07

2022-02-03 12:38

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-64

[redacted]

Closed

finding-3752

2022-02-03 11:07

2022-02-03 12:38

Resolved

1 - Information

Compliance

ComplianceEase

TRID Disclosure Dates and Personal Delivery Validation Test

Resolved-Resolved - Due Diligence Vendor-02/03/2022

Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. - Due Diligence Vendor-02/03/2022

Resolved-Resolved - Due Diligence Vendor-02/03/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-64

[redacted]

Closed

finding-3838

2022-01-21 14:27

2022-02-03 10:47

Resolved

1 - Information

Compliance

ComplianceEase

Written List of Service Providers Disclosure Date Test

Resolved-Providers list clears finding - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded SSPL - Seller-01/21/2022

Open-Missing Written List of Service Provider. In Final CD section C title Fee maintain under Section B which consider as Creditor's Choice - Due Diligence Vendor-01/18/2022

Ready for Review-Document Uploaded. Uploaded SSPL - Seller-01/21/2022

Resolved-Providers list clears finding - Due Diligence Vendor-02/03/2022

[redacted] - Settlement Services Provider List.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-64

[redacted]

Closed

FCRE1347

2022-01-21 14:25

2022-02-03 10:43

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-VOE received and clears finding - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded VVOE - Seller-01/21/2022

Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/19/2022

Ready for Review-Document Uploaded. Uploaded VVOE - Seller-01/21/2022

Resolved-VOE received and clears finding - Due Diligence Vendor-02/03/2022

[redacted] - FINAL VERBAL VOE.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-65

[redacted]

Closed

FCRE2109

2022-01-21 14:31

2022-02-03 11:50

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-DSCR worksheet received - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-01/21/2022

Open-DSCR calculation sheet missing - Due Diligence Vendor-01/18/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-01/21/2022

Resolved-DSCR worksheet received - Due Diligence Vendor-02/03/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-66

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-67

[redacted]

Closed

FVAL1039

2022-01-13 12:20

2022-01-17 09:43

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-BPO supports original appraisal.
- Due Diligence Vendor-01/17/2022

Open-AVM is 20% lower than the Appraisal. Desk Review ordered. - Due Diligence Vendor-01/13/2022

Resolved-BPO supports original appraisal.
- Due Diligence Vendor-01/17/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-68

[redacted]

Closed

FCRE3931

2022-01-21 08:13

2022-04-05 09:09

Waived

2 - Non-Material

Credit

Eligibility

Other Credit Finding 1

Waived- - Due Diligence Vendor-04/05/2022

Acknowledged-Credit reports expire 12/23/2021 - Due Diligence Vendor-01/21/2022

Acknowledged-Credit reports expire 12/23/2021 - Due Diligence Vendor-01/21/2022

[redacted] Average borrowers score
[redacted] LTV%
DSCR Score 1.306% per Lender (additional comp factor )
page 7

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-68

[redacted]

Closed

FCRE4802

2022-01-13 08:05

2022-01-21 08:14

Resolved

1 - Information

Credit

Eligibility

Other Credit Finding 2

Resolved-Lender emailed 3rd comp factor of DSCR score - Due Diligence Vendor-01/21/2022

Open-Improper exception provided, all exceptions must have three compensating factors. See Exception on page 7. - Due Diligence Vendor-01/13/2022

Resolved-Lender emailed 3rd comp factor of DSCR score - Due Diligence Vendor-01/21/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-69

[redacted]

Closed

finding-3631

2022-01-11 11:50

2022-02-07 15:37

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved-Resolved - Due Diligence Vendor-02/07/2022

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/11/2022

Resolved-Resolved - Due Diligence Vendor-02/07/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-69

[redacted]

Closed

finding-3632

2022-01-11 11:50

2022-02-07 15:37

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Resolved-Resolved - Due Diligence Vendor-02/07/2022

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/11/2022

Resolved-Resolved - Due Diligence Vendor-02/07/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-69

[redacted]

Closed

finding-3367

2022-01-26 14:40

2022-02-03 08:26

Resolved

1 - Information

Compliance

Disclosure

RESPA Homeownership Counseling Organizations Disclosure Date Test

Ready for Review-Document Uploaded. Uploaded Disclosure - Seller-01/26/2022

[redacted]-Housing Counselors New You.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-69

[redacted]

Closed

finding-3838

2022-01-26 14:43

2022-02-03 08:26

Resolved

1 - Information

Compliance

ComplianceEase

Written List of Service Providers Disclosure Date Test

Ready for Review-Document Uploaded. Uploaded Disclosure - Seller-01/26/2022

[redacted]-Settlement Service Provier List.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-69

[redacted]

Closed

finding-3634

2022-01-11 11:50

2022-02-03 08:26

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-69

[redacted]

Closed

finding-3515

2022-01-26 14:44

2022-02-03 08:26

Resolved

1 - Information

Compliance

TRID

Initial Loan Estimate Delivery Date Test (from application)

Ready for Review-Document Uploaded. Uploaded the Initial Disclosure - Seller-01/26/2022

[redacted]-EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-69

[redacted]

Closed

FCRE3464

2022-01-28 09:09

2022-02-03 08:20

Resolved

1 - Information

Credit

Missing Doc

Missing Closing/Final Verbal VOE

Resolved-Document provided clears finding - Due Diligence Vendor-02/03/2022
Ready for Review-Document Uploaded. Uploaded Final VOE - Seller-01/28/2022
Open-Need VOE for 2nd job with [redacted]- Due Diligence Vendor-01/11/2022

Ready for Review-Document Uploaded. Uploaded Final VOE - Seller-01/28/2022

Resolved-Document provided clears finding - Due Diligence Vendor-02/03/2022

[redacted]-VOE.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-70

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-71

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-72

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-73

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-74

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-75

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-76

[redacted]

Closed

FVAL1039

2022-01-14 10:14

2022-01-23 09:44

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-01/23/2022

Open-AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-01/20/2022

Open-AMV has been ordered. - Due Diligence Vendor-01/14/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-01/23/2022

[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-77

[redacted]

Closed

FCOM4028

2022-01-13 05:11

2022-01-14 09:51

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-78

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-79

[redacted]

Closed

FCRE7756

2022-01-21 14:47

2022-05-04 09:13

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-01/28/2022

Resolved- - Due Diligence Vendor-01/28/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-01/21/2022

Open-Credit Report is Missing - Due Diligence Vendor-01/12/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-01/21/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-01/28/2022

[redacted] - LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-79

[redacted]

Closed

FCRE7347

2022-02-01 10:08

2022-02-03 08:07

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease received clears finding - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded Lease - Seller-02/01/2022

Open-subject property leas agreement is missing. - Due Diligence Vendor-01/14/2022

Ready for Review-Document Uploaded. Uploaded Lease - Seller-02/01/2022

Resolved-Lease received clears finding - Due Diligence Vendor-02/03/2022

[redacted]-Lease - [redacted], [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-80

[redacted]

Closed

finding-3532

2022-01-27 14:22

2022-02-03 14:11

Resolved

1 - Information

Compliance

TRID

Initial Closing Disclosure Delivery Date Test

Resolved-Lender received financial hardship waiver to waive three day period. Finding is resolved. - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded waiver The borrower provided @ Financial Hardship letter after receiving the initial CD advising the seller was not willing to extend the close of escrow past [redacted]. - Seller-01/27/2022

Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-01/12/2022

Ready for Review-Document Uploaded. Uploaded waiver The borrower provided @ Financial Hardship letter after receiving the initial CD advising the seller was not willing to extend the close of escrow past [redacted]. - Seller-01/27/2022

Resolved-Lender received financial hardship waiver to waive three day period. Finding is resolved. - Due Diligence Vendor-02/03/2022

[redacted]-WAIVER LETTER- [redacted].pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-81

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-82

[redacted]

Closed

FCRE7805

2022-01-10 10:33

2022-01-21 08:17

Resolved

1 - Information

Credit

Missing Doc

Missing Income - Bank Statements

Resolved-Lender addressed: Borrower qualified using 12 months business bank statements from 10/2020 to 9/2021 at 50% expense ratio. Bank statements provided for 10/2021 and 11/2021 not utilized but deposits in line with prior 12 months. 2 year proof of business ownership provided. Not missing any bank statements. - Due Diligence Vendor-01/21/2022

Open-There are 11 bank statements in the file with articles of organization showing 2 years ownership of business on account. There are an additional 2 months bank statements that do not have proof of account ownership in file. - Due Diligence Vendor-01/10/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-83

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-84

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-85

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXX_2022-ATH2-86

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-87

[redacted]

Closed

FCRE2109

2022-01-21 14:50

2022-02-03 11:49

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-DSCR worksheet received - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-01/21/2022

Open-Residential DSCR Calculation sheet is missing, - Due Diligence Vendor-01/18/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-01/21/2022

Resolved-DSCR worksheet received - Due Diligence Vendor-02/03/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-88

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-89

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-90

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXX_2022-ATH2-91

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-92

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXX_2022-ATH2-93

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-94

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-95

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-96

[redacted]

Closed

FCRE7347

2022-03-23 08:53

2022-03-24 08:56

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Leases received. - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Lease and CORRECTED DSCR UPLOADED - Seller-03/23/2022

Open- - Due Diligence Vendor-01/12/2022

Ready for Review-Document Uploaded. Lease and CORRECTED DSCR UPLOADED - Seller-03/23/2022

Resolved-Leases received. - Due Diligence Vendor-03/24/2022

[redacted]-LEASE AGREEMENT 1.pdf
[redacted]-LEASE AGREEMENT.pdf
[redacted]- [redacted] DSCR CALCULATOR.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-96

[redacted]

Closed

FCRE1164

2022-01-31 10:47

2022-02-03 10:38

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved-Flood insurance received clears finding - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded Flood Insurance - Seller-01/31/2022

Open-Missing Flood Insurance Policy - Due Diligence Vendor-01/12/2022

Ready for Review-Document Uploaded. Uploaded Flood Insurance - Seller-01/31/2022

Resolved-Flood insurance received clears finding - Due Diligence Vendor-02/03/2022

[redacted]-payment_confirmation.pdf

[redacted]-Flood 1.16.2022 - 1.16.2023.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-97

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-98

[redacted]

Closed

FCRE2109

2022-03-23 08:55

2022-03-24 08:52

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-document received. - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Open-DSCR Calculation not present - Due Diligence Vendor-01/11/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Resolved-document received. - Due Diligence Vendor-03/24/2022

[redacted]-DSCR form 7-14-20.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-98

[redacted]

Closed

FCRE1161

2022-01-21 15:04

2022-02-03 11:48

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded flood certification - Seller-01/21/2022

Open-Missing Flood Certificate none located - some info from appraisal. - Due Diligence Vendor-01/11/2022

Ready for Review-Document Uploaded. Uploaded flood certification - Seller-01/21/2022

Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/03/2022

[redacted] - FLOOD CERTIFICATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-99

[redacted]

Closed

FCRE7347

2022-01-21 15:17

2022-02-03 11:41

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease received - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-01/21/2022

Open-lease agreement is missing - Due Diligence Vendor-01/14/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-01/21/2022

Resolved-Lease received - Due Diligence Vendor-02/03/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-99

[redacted]

Closed

FCRE7756

2022-01-21 15:16

2022-01-28 07:37

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-01/28/2022

Resolved- - Due Diligence Vendor-01/28/2022

Ready for Review-Document Uploaded. Uploaded Credit Report - Seller-01/21/2022

Open-Credit Report is Missing - Due Diligence Vendor-01/12/2022

Ready for Review-Document Uploaded. Uploaded Credit Report - Seller-01/21/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-01/28/2022

[redacted] - LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-100

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-101

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-102

[redacted]

Closed

FCRE7756

2022-01-21 15:22

2022-01-28 07:32

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-01/28/2022

Resolved-document provided - Due Diligence Vendor-01/28/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-01/21/2022

Open-Credit Report is Missing US Citizen - Due Diligence Vendor-01/11/2022

Open-Credit Report is Missing - Due Diligence Vendor-01/11/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-01/21/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-01/28/2022

Resolved-document provided - Due Diligence Vendor-01/28/2022

[redacted] - LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-103

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-104

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-105

[redacted]

Closed

FPRO1242

2022-01-21 15:30

2022-02-03 11:15

Resolved

1 - Information

Property

Missing Doc

Appraisal is Missing

Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-02/03/2022

Resolved-Appraisal received - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded appraisal - Seller-01/21/2022

Open-Appraisal is Missing no appraisal in file - Due Diligence Vendor-01/12/2022

Ready for Review-Document Uploaded. Uploaded appraisal - Seller-01/21/2022

Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-02/03/2022

Resolved-Appraisal received - Due Diligence Vendor-02/03/2022

[redacted] - APPRAISAL.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-106

[redacted]

Closed

FCRE1180

2022-01-12 07:37

2022-02-25 12:39

Resolved

1 - Information

Credit

Missing Doc

HO-6 Insurance Policy is Missing

Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-01/19/2022

Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-01/12/2022

Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-01/19/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-107

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-108

[redacted]

Closed

FVAL1039

2022-01-11 16:01

2022-01-13 17:26

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Desk Review supports original appraisal
- Due Diligence Vendor-01/14/2022

Open-AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-01/11/2022

Resolved-Desk Review supports original appraisal
- Due Diligence Vendor-01/14/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-109

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-110

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-111

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-112

[redacted]

Closed

FVAL1039

2022-01-14 14:56

2022-01-18 13:46

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-BPO supports original appraisal
- Due Diligence Vendor-01/18/2022

Resolved- - Due Diligence Vendor-01/18/2022

Open-AVM 60% lower than appraised value. Need Desk Review. - Due Diligence Vendor-01/14/2022

Resolved-BPO supports original appraisal
- Due Diligence Vendor-01/18/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-113

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-114

[redacted]

Closed

FCRE7756

2022-01-21 15:34

2022-02-25 10:50

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/25/2022

Resolved-document provided - Due Diligence Vendor-01/28/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-01/21/2022

Open-Credit Report is Missing Correct, Credit Report is Missing - Due Diligence Vendor-01/11/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-01/21/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/25/2022

Resolved-document provided - Due Diligence Vendor-01/28/2022

[redacted] - LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-115

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-116

[redacted]

Closed

FCRE7347

2022-01-31 17:59

2022-02-03 08:08

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease received clears finding - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. uploaded lease - Seller-02/01/2022

Open-Subject property rent agreement is missing. - Due Diligence Vendor-01/14/2022

Ready for Review-Document Uploaded. uploaded lease - Seller-02/01/2022

Resolved-Lease received clears finding - Due Diligence Vendor-02/03/2022

[redacted]-LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-117

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-118

[redacted]

Closed

FCRE7347

2022-04-11 16:25

2022-04-18 08:58

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Received Leases - Due Diligence Vendor-04/18/2022

Ready for Review-Document Uploaded. Uploaded 2nd lease - Seller-04/11/2022

Counter-Lease only received on one of the two units - Due Diligence Vendor-03/30/2022

Ready for Review-Document Uploaded. Uploaded Lease - Seller-03/29/2022

Open- - Due Diligence Vendor-01/14/2022

Ready for Review-Document Uploaded. Uploaded 2nd lease - Seller-04/11/2022

Ready for Review-Document Uploaded. Uploaded Lease - Seller-03/29/2022

Resolved-Received Leases - Due Diligence Vendor-04/18/2022

[redacted] - LEASE AGREEMENT 1.pdf

[redacted]-LEase.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-118

[redacted]

Closed

FVAL1039

2022-01-12 17:18

2022-01-20 10:15

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Desk Review supports original appraisal
- Due Diligence Vendor-01/20/2022

Open-AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-01/13/2022

Resolved-Desk Review supports original appraisal
- Due Diligence Vendor-01/20/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-119

[redacted]

Closed

FVAL1039

2022-01-14 14:21

2022-01-18 13:52

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-BPO supports original appraisal.
- Due Diligence Vendor-01/18/2022

Open-There is no AVM in the file. - Due Diligence Vendor-01/14/2022

Resolved-BPO supports original appraisal.
- Due Diligence Vendor-01/18/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-120

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-121

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-122

[redacted]

Closed

FPRO1242

2022-01-21 16:16

2022-05-04 10:06

Resolved

1 - Information

Property

Missing Doc

Appraisal is Missing

Ready for Review-Document Uploaded. Uploaded appraisal - Seller-01/21/2022

Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-02/03/2022

[redacted] - APPRAISAL.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-122

[redacted]

Closed

FCRE7347

2022-01-21 16:16

2022-02-03 10:06

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease agreement received, finding resolved. - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded lease agreement - Seller-01/21/2022

Open-Subject property lease agreement is missing. - Due Diligence Vendor-01/19/2022

Ready for Review-Document Uploaded. Uploaded lease agreement - Seller-01/21/2022

Resolved-Lease agreement received, finding resolved. - Due Diligence Vendor-02/03/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-122

[redacted]

Closed

FCRE1728

2022-01-21 16:16

2022-02-03 10:05

Resolved

1 - Information

Credit

Missing Doc

Missing rent comparable schedule form 1007

Resolved-1007 received, finding resolved. - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded appraisal - Seller-01/21/2022

Open-Missing rent comparable schedule form 1007. - Due Diligence Vendor-01/19/2022

Ready for Review-Document Uploaded. Uploaded appraisal - Seller-01/21/2022

Resolved-1007 received, finding resolved. - Due Diligence Vendor-02/03/2022

[redacted] - APPRAISAL.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-122

[redacted]

Closed

FCRE6019

2022-01-21 16:18

2022-02-03 10:03

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded LLC Operating Agreement - Seller-01/21/2022

Ready for Review-Document Uploaded. Uploaded Passport - Seller-01/21/2022

Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-01/19/2022

Ready for Review-Document Uploaded. Uploaded LLC Operating Agreement - Seller-01/21/2022

Ready for Review-Document Uploaded. Uploaded Passport - Seller-01/21/2022

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-02/03/2022

[redacted] - PASSPORT.pdf

[redacted] - LLC OPERATING AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-123

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-124

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-125

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-126

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-127

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-128

[redacted]

Closed

FCRE1161

2022-01-26 16:51

2022-02-03 10:41

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/03/2022

Resolved-Flood cert received - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded Flood Cert - Seller-01/26/2022

Open-Missing Flood Certificate not in file - Due Diligence Vendor-01/19/2022

Ready for Review-Document Uploaded. Uploaded Flood Cert - Seller-01/26/2022

Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/03/2022

Resolved-Flood cert received - Due Diligence Vendor-02/03/2022

[redacted]-Floor Cert.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-128

[redacted]

Closed

FCRE2109

2022-01-21 16:27

2022-02-03 10:40

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-DSCR Sheet clears finding - Due Diligence Vendor-02/03/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-01/21/2022

Open-DSCR worksheet not in file - Due Diligence Vendor-01/19/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-01/21/2022

Resolved-DSCR Sheet clears finding - Due Diligence Vendor-02/03/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-128

[redacted]

Closed

FVAL1039

2022-01-20 09:18

2022-01-20 09:25

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-BPO supports original appraisal
- Due Diligence Vendor-01/20/2022

Open-Need AVM - Due Diligence Vendor-01/20/2022

Resolved-BPO supports original appraisal
- Due Diligence Vendor-01/20/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-129

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-130

[redacted]

Closed

FVAL1039

2022-01-26 10:08

2022-01-31 12:04

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. - Due Diligence Vendor-01/31/2022

Resolved-BPO supports original appraisal
- Due Diligence Vendor-01/31/2022

Open-Missing AVM - Due Diligence Vendor-01/26/2022

Resolved-Document Uploaded. - Due Diligence Vendor-01/31/2022

Resolved-BPO supports original appraisal
- Due Diligence Vendor-01/31/2022

[redacted]_BPO.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-131

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-132

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-133

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-134

[redacted]

Closed

FVAL1039

2022-01-24 11:59

2022-01-28 12:19

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-01/28/2022

Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-01/24/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-01/28/2022

[redacted]_[redacted]_[redacted]_1.21.2022_[redacted].pdf
[redacted].pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-135

[redacted]

Closed

FCOM4028

2022-01-23 15:38

2022-01-27 14:12

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/27/2022

Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/23/2022

Open-Missing evidence of Mortgage recording File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/27/2022

Resolved-- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/27/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-136

[redacted]

Closed

FCRE1437

2022-02-07 11:55

2022-03-09 11:41

Resolved

1 - Information

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-03/09/2022

Resolved-received 1099s - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded 2019 1099 Form - Seller-02/07/2022

Open-Provide VOE or CPA letter. - Due Diligence Vendor-02/02/2022

Open-Income and Employment Do Not Meet Guidelines Missing additional year of 1099s - only 2020 was provided. - Due Diligence Vendor-01/22/2022

Ready for Review-Document Uploaded. Uploaded 2019 1099 Form - Seller-02/07/2022

Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-03/09/2022

Resolved-received 1099s - Due Diligence Vendor-02/28/2022

[redacted] - 1099 FORMS.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-137

[redacted]

Closed

finding-3732

2022-02-22 08:51

2022-02-22 13:58

Resolved

1 - Information

Compliance

TRID

TRID Total of Payments Test

Resolved-This loan failed the TRID total of payments test. ( 12 CFR §1026.38(o)(1) )The total of payments is $1,823,385.83. The disclosed total of payments of [redacted] is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-01/25/2022

Resolved-This loan failed the TRID total of payments test. ( 12 CFR §1026.38(o)(1) )The total of payments is [redacted]. The disclosed total of payments of [redacted] is not considered accurate because it is understated by more than $100. fixed the note to match the interest credit and first payment date - Due Diligence Vendor-02/22/2022

Resolved-Resolved - Due Diligence Vendor-02/22/2022

Ready for Review-Document Uploaded. Please use [redacted] first payment date instead of [redacted] 1st payment date as the note indicates. An interest credit was provided. Please see our 3rd party calculations from Brooks Web Calcs which confirms that the TRID Total of Payments is within tolerance as the variance is only $2.81 & is over-disclosed due to the Calculated TOP being [redacted] vs the Disclosed TOP of [redacted]. - Seller-02/22/2022

Ready for Review-Document Uploaded. Please use [redacted] first payment date instead of [redacted] 1st payment date as the note indicates. An interest credit was provided. Please see our 3rd party calculations from Brooks Web Calcs which confirms that the TRID Total of Payments is within tolerance as the variance is only $2.81 & is over-disclosed due to the Calculated TOP being [redacted] vs the Disclosed TOP of [redacted]. - Seller-02/22/2022

Resolved-This loan failed the TRID total of payments test. ( 12 CFR §1026.38(o)(1) )The total of payments is [redacted]. The disclosed total of payments of [redacted] is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-01/25/2022
Resolved-This loan failed the TRID total of payments test. ( 12 CFR §1026.38(o)(1) )The total of payments is[redacted]. The disclosed total of payments of [redacted] is not considered accurate because it is understated by more than $100. fixed the note to match the interest credit and first payment date - Due Diligence Vendor-02/22/2022
Resolved-Resolved - Due Diligence Vendor-02/22/2022

[redacted] - [redacted] Truth-in-Lending Calculator Results.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-138

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-139

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-140

[redacted]

Closed

123ABJ

2022-02-14 10:15

2022-02-16 09:17

Resolved

1 - Information

Credit

Missing Doc

Missing VVOE dated within 10 days consummation

Resolved-VOE received - Due Diligence Vendor-02/16/2022

Ready for Review-Document Uploaded. Uploaded VVOE - Seller-02/14/2022

Open-Missing 3 day VVOE for Full Doc - Due Diligence Vendor-01/22/2022

Ready for Review-Document Uploaded. Uploaded VVOE - Seller-02/14/2022

Resolved-VOE received - Due Diligence Vendor-02/16/2022

[redacted] Verbal VOE.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-141

[redacted]

Closed

FCRE1182

2022-02-04 14:08

2022-02-08 14:55

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-document provided - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/04/2022

Open-missing DSCR calculation sheet - Due Diligence Vendor-01/27/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/04/2022

Resolved-document provided - Due Diligence Vendor-02/08/2022

[redacted] -DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-142

[redacted]

Closed

FCRE1491

2022-03-28 18:25

2022-03-30 12:04

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Statements received clears findings - Due Diligence Vendor-03/30/2022

Resolved- - Due Diligence Vendor-03/30/2022

Ready for Review-Document Uploaded. Uploaded Bank Statements - Seller-03/29/2022

Open-Short $13118.67. Verified in file is $306438.27 and need $319556.95 to close - Due Diligence Vendor-02/24/2022

Open-Asset Qualification Does Not Meet Guideline Requirements - The assets are short $102,730.19 for cash to close. - Due Diligence Vendor-01/27/2022

Ready for Review-Document Uploaded. Uploaded Bank Statements - Seller-03/29/2022

Resolved-Statements received clears findings - Due Diligence Vendor-03/30/2022

Resolved- - Due Diligence Vendor-03/30/2022

[redacted]-BANK STATEMENTS - 2022-03-21T1[redacted].pdf
[redacted]-BANK STATEMENTS - 2022-03-21T1[redacted].pdf
[redacted]-BANK STATEMENTS - 2022-03-21T1[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-142

[redacted]

Closed

FCRE4293

2022-03-23 08:59

2022-03-24 15:04

Resolved

1 - Information

Credit

Missing Doc

File does not contain all required Asset Statement(s)

Resolved-Documents received clears findings - Due Diligence Vendor-03/24/2022
Ready for Review-Document Uploaded. Uploaded Bank Statement - Seller-03/23/2022
Open-Missing 60 days seasoning for [redacted] and [redacted]. Have [redacted] for 11/30 and [redacted] for 10/31 in file - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded Bank Statement - Seller-03/23/2022

Resolved-Documents received clears findings - Due Diligence Vendor-03/24/2022

[redacted]-BANK STATEMENTS - 2022-03-[redacted].440.pdf
[redacted]-BANK STATEMENTS - 2022-03-[redacted].825.pdf
[redacted]-BANK STATEMENTS - 2022-03-[redacted].134.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-142

[redacted]

Closed

FCRE7756

2022-02-04 12:27

2022-02-08 15:50

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/08/2022

Resolved-credit report received - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-02/04/2022

Open-Credit Report is Missing - Due Diligence Vendor-01/24/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-02/04/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/08/2022

Resolved-credit report received - Due Diligence Vendor-02/08/2022

[redacted] - LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-143

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-144

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-145

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-146

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-147

[redacted]

Closed

finding-3634

2022-02-22 08:44

2022-03-09 11:21

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Fee increased was timely disclosed as shown on documents provided. finding is resolved. - Due Diligence Vendor-03/09/2022

Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $52.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/24/2022

Ready for Review-Document Uploaded. A COC Detail form & revised Loan Estimate were issued on 11/16 resetting the baseline for the Appraisal from $640 to $850 on a revised Loan Estimate. Ultimately the borrower was only charged $650 so no tolerance violation occurred. Please see the documents uploaded.
- Seller-02/22/2022

Ready for Review-Document Uploaded. A COC Detail form & revised Loan Estimate were issued on [redacted] resetting the baseline for the Appraisal from $640 to $850 on a revised Loan Estimate. Ultimately the borrower was only charged $650 so no tolerance violation occurred. Please see the documents uploaded.
- Seller-02/22/2022

Resolved-Fee increased was timely disclosed as shown on documents provided. finding is resolved. - Due Diligence Vendor-03/09/2022

[redacted] - Revised LE (COC).pdf

[redacted] - Proof of Delivery (Revised LE - COC).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-147

[redacted]

Closed

FCOM1257

2022-03-07 11:40

2022-03-09 11:20

Resolved

1 - Information

Compliance

Missing Doc

Missing Change of Circumstance

Resolved-Documentation provided resolved Finding. - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. JH - Please see the Change of Circumstance Detail form that was issued with the initial Closing Disclosure advising that the broker origination fee increased due to the Loan Amount increasing from [redacted]. - Seller-03/07/2022

Counter-missing COC for increased broker fee - Due Diligence Vendor-02/22/2022

Ready for Review-Document Uploaded. A COC Detail form & revised Loan Estimate were issued on 11/16 resetting the baseline for the Appraisal from $640 to $850 on a revised Loan Estimate. Ultimately the borrower was only charged $650 so no tolerance violation occurred. Please see the documents uploaded. - Seller-02/22/2022

Open-COC missing for appraisal fee increased by $10 in initial CD dated [redacted]. - Due Diligence Vendor-01/24/2022

Ready for Review-Document Uploaded. JH - Please see the Change of Circumstance Detail form that was issued with the initial Closing Disclosure advising that the broker origination fee increased due to the Loan Amount increasing from [redacted]. - Seller-03/07/2022
Ready for Review-Document Uploaded. A COC Detail form & revised Loan Estimate were issued on [redacted]resetting the baseline for the Appraisal from $640 to $850 on a revised Loan Estimate. Ultimately the borrower was only charged $650 so no tolerance violation occurred. Please see the documents uploaded. - Seller-02/22/2022

Resolved-Documentation provided resolved Finding. - Due Diligence Vendor-03/09/2022

[redacted] - Revised LE (COC).pdf

[redacted] - Proof of Delivery (Revised LE - COC).pdf

[redacted] - EXECUTED CLOSING DISCLOSURE (COC).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-147

[redacted]

Closed

finding-3545

2022-02-22 12:02

2022-02-22 12:11

Resolved

1 - Information

Compliance

TRID

Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test

Resolved-This loan failed the revised closing disclosure delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , 12 CFR §1026.19(e)(4)(i) )The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on New Year's Day observed (12/31/2021)As not being open on New Year's Day (01/01/2022)As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). - Due Diligence Vendor-02/22/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-148

[redacted]

Closed

FCRE7756

2022-02-07 14:01

2022-02-25 10:50

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded credit report for both borrowers - Seller-02/07/2022

Open-Credit Report is Missing - Due Diligence Vendor-01/26/2022

Ready for Review-Document Uploaded. Uploaded credit report for both borrowers - Seller-02/07/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/08/2022

[redacted] - LENDER CREDIT REPORT - [redacted].pdf
[redacted] - LENDER CREDIT REPORT - [redacted].pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-149

[redacted]

Closed

FCRE7756

2022-02-07 12:51

2022-02-25 15:20

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/08/2022

Resolved-received doc - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-02/07/2022

Open-Credit Report is Missing - Due Diligence Vendor-01/23/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-02/07/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/08/2022

Resolved-received doc - Due Diligence Vendor-02/08/2022

[redacted] - LENDER CREDIT REPORT.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-149

[redacted]

Closed

123ABJ

2022-02-07 12:50

2022-02-08 08:05

Resolved

1 - Information

Credit

Missing Doc

Missing VVOE dated within 10 days consummation

Resolved-received - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded VVOE - Seller-02/07/2022

Open-Missing 3 day VVOE for Full Doc loan. - Due Diligence Vendor-01/23/2022

Ready for Review-Document Uploaded. Uploaded VVOE - Seller-02/07/2022

Resolved-received - Due Diligence Vendor-02/08/2022

[redacted] - FINAL VERBAL VOE.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-150

[redacted]

Closed

FCRE1205

2022-01-22 11:15

2022-05-03 01:30

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-05/03/2022

Rescinded-Not applicable - Due Diligence Vendor-01/27/2022

Open-OFAC Check Not Completed and/or Cleared Missing OFAC report. - Due Diligence Vendor-01/22/2022

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-05/03/2022

Rescinded-Not applicable - Due Diligence Vendor-01/27/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-150

[redacted]

Closed

FCRE1201

2022-01-22 11:15

2022-05-03 01:30

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/03/2022

Rescinded-Missing Third Party Fraud Report - Due Diligence Vendor-01/22/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-150

[redacted]

Closed

FCOM9469

2022-02-04 12:07

2022-02-08 15:12

Resolved

1 - Information

Compliance

Missing Doc

Missing required ARM Rider

Resolved-Confirmed. ARM Rider is not required. - Due Diligence Vendor-02/08/2022

Ready for Review-Requested Rider is not required. Rider is incorporated within the DOT. - Seller-02/04/2022

Open-Deed of Trust is Missing Adjustable Rate Rider and Note Type is ARM Missing adjustable rate rider. - Due Diligence Vendor-01/22/2022

Ready for Review-Requested Rider is not required. Rider is incorporated within the DOT. - Seller-02/04/2022

Resolved-Confirmed. ARM Rider is not required. - Due Diligence Vendor-02/08/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-150

[redacted]

Closed

FCRE6019

2022-02-04 11:54

2022-02-08 15:05

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded passport - Seller-02/04/2022

Open-Borrower 1 Citizenship Documentation Is Missing
Missing citizenship documentation. - Due Diligence Vendor-01/22/2022

Ready for Review-Document Uploaded. Uploaded passport - Seller-02/04/2022

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-02/08/2022

[redacted] - PASSPORT - [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-150

[redacted]

Closed

FCRE6914

2022-02-04 11:56

2022-02-08 15:05

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Citizenship Documentation Not Provided

Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded passport - Seller-02/04/2022

Open-Borrower 2 Citizenship Documentation Is Missing Missing citizenship documentation. - Due Diligence Vendor-01/22/2022

Open-Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-01/22/2022

Ready for Review-Document Uploaded. Uploaded passport - Seller-02/04/2022

Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-02/08/2022

[redacted] - PASSPORT - [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-150

[redacted]

Closed

FVAL1039

2022-01-26 10:09

2022-01-31 08:47

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-01/31/2022

Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-01/26/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-01/31/2022

[redacted]_[redacted]_[redacted]_1.21.2022_[redacted].pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-151

[redacted]

Closed

FCRE7756

2022-02-07 11:37

2022-02-08 13:44

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-02/07/2022

Open-Credit Report is Missing Credit report is not in file. Information provided on application was used to input debts. Could not determine if a bankruptcy or other credit issues are present as report is not in the file. - Due Diligence Vendor-01/21/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-02/07/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/08/2022

[redacted] - LENDER CREDIT REPORT.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Second Home

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-152

[redacted]

Closed

finding-3838

2022-02-08 11:12

2022-02-08 11:13

Resolved

1 - Information

Compliance

ComplianceEase

Written List of Service Providers Disclosure Date Test

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-152

[redacted]

Closed

FCOM1252

2022-02-07 12:02

2022-02-08 08:19

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-received LE - Due Diligence Vendor-02/08/2022
Ready for Review-Document Uploaded. Uploaded initial Loan Estimate - Seller-02/07/2022
Open-Missing Loan Estimated dated around [redacted] (LO signature date). Cannot complete compliance - Due Diligence Vendor-01/26/2022

Ready for Review-Document Uploaded. Uploaded initial Loan Estimate - Seller-02/07/2022

Resolved-received LE - Due Diligence Vendor-02/08/2022

[redacted] - Initial Loan Estimate.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-153

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-154

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-155

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-156

[redacted]

Closed

FVAL1039

2022-01-21 14:19

2022-01-28 13:43

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-01/28/2022

Open-AVM does not support value. Ordered desk review.
- Due Diligence Vendor-01/21/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-01/28/2022

[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-157

[redacted]

Closed

finding-3415

2022-02-22 08:59

2022-02-25 10:20

Resolved

1 - Information

Compliance

Points & Fees

High-Cost Mortgage Date the Rate Was Set Validation Test

Resolved-Resolved - Due Diligence Vendor-02/25/2022

Rescinded- - Due Diligence Vendor-02/22/2022

Ready for Review-[redacted] Capital Group does not lock rates, they float until closing. - Seller-02/22/2022

Open-This loan failed the date the rate was set validation test. ( 12 CFR §1026.32(1)(i)(A), (C) )This loan did not provide the date the rate was set, which is required for the High-Cost Mortgage Finding. - Due Diligence Vendor-01/25/2022

Ready for Review-[redacted] [redacted] does not lock rates, they float until closing. - Seller-02/22/2022

Resolved-Resolved - Due Diligence Vendor-02/25/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-157

[redacted]

Closed

finding-3631

2022-02-22 09:03

2022-02-22 12:27

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved-Resolved - Due Diligence Vendor-02/22/2022
Ready for Review-Document Uploaded. The loan amount increased from[redacted]causing the Broker Origination to increase from $8500 to $8700 & was disclosed to the borrower on the initial CD. Please see the supporting documentation uploaded. - Seller-02/22/2022
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/25/2022

Ready for Review-Document Uploaded. The loan amount increased from [redacted] causing the Broker Origination to increase from $8500 to $8700 & was disclosed to the borrower on the initial CD. Please see the supporting documentation uploaded. - Seller-02/22/2022

Resolved-Resolved - Due Diligence Vendor-02/22/2022

[redacted] - Signed Initial CD (COC).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-157

[redacted]

Closed

finding-3632

2022-02-22 09:03

2022-02-22 12:27

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Resolved-Resolved - Due Diligence Vendor-02/22/2022
Ready for Review-Document Uploaded. The loan amount increased from [redacted] causing the Broker Origination to increase from $8500 to $8700 & was disclosed to the borrower on the initial CD. Please see the supporting documentation uploaded. - Seller-02/22/2022
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/25/2022

Resolved-Resolved - Due Diligence Vendor-02/22/2022

[redacted] - Signed Initial CD (COC).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-157

[redacted]

Closed

finding-3634

2022-02-22 09:05

2022-02-22 12:27

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/25/2022

Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). COC received - Due Diligence Vendor-02/22/2022

Ready for Review-Document Uploaded. The loan amount increased from [redacted] causing the Broker Origination to increase from [redacted] & was disclosed to the borrower on the initial CD.  Please see the supporting documentation uploaded. - Seller-02/22/2022

Ready for Review-Document Uploaded. The loan amount increased from [redacted] causing the Broker Origination to increase from [redacted] & was disclosed to the borrower on the initial CD. Please see the supporting documentation uploaded. - Seller-02/22/2022

[redacted] - Signed Initial CD (COC).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-157

[redacted]

Closed

FCRE7756

2022-02-07 13:02

2022-02-08 07:46

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/08/2022

Resolved-received report. - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded Credit Report - Seller-02/07/2022

Open-Credit Report is Missing Correct, Credit Report is Missing - Due Diligence Vendor-01/22/2022

Ready for Review-Document Uploaded. Uploaded Credit Report - Seller-02/07/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/08/2022

Resolved-received report. - Due Diligence Vendor-02/08/2022

[redacted] - LENDER CREDIT REPORT.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-158

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-159

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-160

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-161

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-162

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-163

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-164

[redacted]

Closed

FCRE1157

2022-02-04 14:48

2022-02-08 14:31

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/08/2022

Resolved- - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded hazard insurance - Seller-02/04/2022

Open-Missing Hazard Insurance Policy - Due Diligence Vendor-01/24/2022

Ready for Review-Document Uploaded. Uploaded hazard insurance - Seller-02/04/2022

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/08/2022

[redacted] - HAZARD INSURANCE.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-165

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-166

[redacted]

Closed

finding-3838

2022-02-08 09:06

2022-02-08 09:11

Resolved

1 - Information

Compliance

ComplianceEase

Written List of Service Providers Disclosure Date Test

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-166

[redacted]

Closed

FCOM1252

2022-02-07 12:24

2022-02-08 08:15

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-document received. - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded Initial Loan Estimate - Seller-02/07/2022

Open-Compliance not run due to Loan estimate missing - Due Diligence Vendor-01/27/2022

Ready for Review-Document Uploaded. Uploaded Initial Loan Estimate - Seller-02/07/2022

Resolved-document received. - Due Diligence Vendor-02/08/2022

[redacted] - Initial Loan Estimate.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-166

[redacted]

Closed

FCOM1080

2022-02-07 12:26

2022-02-08 08:15

Resolved

1 - Information

Compliance

TRID

Service provider list not provided within 3 days of application

Resolved- - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded SSPL - Seller-02/07/2022

Open- - Due Diligence Vendor-01/27/2022

Ready for Review-Document Uploaded. Uploaded SSPL - Seller-02/07/2022

[redacted] - SSPL.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-167

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-168

[redacted]

Closed

FVAL1039

2022-01-27 11:18

2022-01-28 11:21

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Condition AVM supports OA - Due Diligence Vendor-01/28/2022
Open-AVM estimated value is $[redacted] - under the 10% variance - Due Diligence Vendor-01/27/2022

Resolved-Document Uploaded. Condition AVM supports OA - Due Diligence Vendor-01/28/2022

[redacted]_ConditionAVM.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-169

[redacted]

Closed

FVAL1039

2022-01-21 14:20

2022-01-28 16:19

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-01/28/2022

Open-AVM does not support value. Ordered desk review.
- Due Diligence Vendor-01/21/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-01/28/2022

[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-170

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-171

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-172

[redacted]

Closed

FCRE3464

2022-02-07 11:40

2022-02-08 14:27

Resolved

1 - Information

Credit

Missing Doc

Missing Closing/Final Verbal VOE

Resolved-VVOE received - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded Final VVOE - Seller-02/07/2022

Open-Missing VOE with in 10 calendar days of closing - Due Diligence Vendor-01/27/2022

Ready for Review-Document Uploaded. Uploaded Final VVOE - Seller-02/07/2022

Resolved-VVOE received - Due Diligence Vendor-02/08/2022

[redacted] - FINAL VERBAL VOE.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-173

[redacted]

Closed

FCRE1164

2022-02-09 08:59

2022-02-09 10:49

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved-received policy - Due Diligence Vendor-02/09/2022
Ready for Review-Document Uploaded. Uploaded flood insurance - Seller-02/09/2022
Open-Missing Flood Insurance Policy - Flood Cert #[redacted]-0 dtd 01/07/2022 page 179 certifies subject property is in a Flood Zone [redacted]: 75 and per Section D Determination, Flood Insurance is required by the Flood Disaster Protection Act of 1973 for Zones containing letters "A" or "V" -- Flood policy not found - Due Diligence Vendor-01/23/2022

Ready for Review-Document Uploaded. Uploaded flood insurance - Seller-02/09/2022

Resolved-received policy - Due Diligence Vendor-02/09/2022

[redacted] - Flood Insurance.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-174

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-175

[redacted]

Closed

finding-3519

2022-03-28 11:50

2022-05-06 07:45

Resolved

1 - Information

Compliance

TRID

Initial Closing Disclosure Delivery Date Test

Resolved-Document Uploaded. - Due Diligence Vendor-05/06/2022
Resolved-Doc magic log confirms that the CD package was sent on [redacted] the same day as indicated in the email. Based on the borrowers Consent to receive disclosures via both the email and portal, and the email and Doc magic log both confirm delivery, the requirement was met and the Finding is cleared. - Due Diligence Vendor-05/06/2022
Ready for Review-Document Uploaded. Uploaded Executed CD (COC) and The Proof of Delivery - Seller-03/28/2022
Open-Document is vet signed on [redacted]. Compliance is giving error as while using [redacted]. Hence changed date to [redacted].. need proof for signing Initial CD - Due Diligence Vendor-01/24/2022

Ready for Review-Document Uploaded. Uploaded Executed CD (COC) and The Proof of Delivery - Seller-03/28/2022

[redacted]-EXECUTED COC (1).pdf
[redacted]-[redacted], Proof of Delivery of CD (email).pdf
Initial Closing Disclosure Package Details - DocMagic.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-175

[redacted]

Closed

finding-3532

2022-01-24 12:12

2022-03-30 12:08

Resolved

1 - Information

Compliance

TRID

Initial Closing Disclosure Delivery Date Test

Rescinded-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-01/24/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-176

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

No Cash Out - Borrower Initiated

XXXXXXX_2022-ATH2-177

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-178

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-179

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-180

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-181

[redacted]

Closed

finding-3415

2022-02-08 14:46

2022-02-08 14:50

Resolved

1 - Information

Compliance

Points & Fees

High-Cost Mortgage Date the Rate Was Set Validation Test

Resolved-Resolved - Due Diligence Vendor-02/08/2022

Open-This loan failed the date the rate was set validation test. ( 12 CFR §1026.32(1)(i)(A), (C) )This loan did not provide the date the rate was set, which is required for the High-Cost Mortgage Finding. - Due Diligence Vendor-02/08/2022

Resolved-Resolved - Due Diligence Vendor-02/08/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-181

[redacted]

Closed

finding-3631

2022-02-08 14:46

2022-02-08 14:47

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved-Resolved - Due Diligence Vendor-02/08/2022

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/08/2022

Resolved-Resolved - Due Diligence Vendor-02/08/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-181

[redacted]

Closed

finding-3632

2022-02-08 14:46

2022-02-08 14:47

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Resolved-Resolved - Due Diligence Vendor-02/08/2022

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/08/2022

Resolved-Resolved - Due Diligence Vendor-02/08/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-181

[redacted]

Closed

finding-3634

2022-02-08 14:46

2022-02-08 14:47

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-181

[redacted]

Closed

FCOM1252

2022-02-07 12:29

2022-02-08 14:28

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-LE received - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded Initial Loan Estimate - Seller-02/07/2022

Open-Missing loan estimate hence compliance not run - Due Diligence Vendor-01/24/2022

Ready for Review-Document Uploaded. Uploaded Initial Loan Estimate - Seller-02/07/2022

Resolved-LE received - Due Diligence Vendor-02/08/2022

[redacted] - Initial Loan Estimate.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-181

[redacted]

Closed

FVAL1039

2022-01-25 10:31

2022-01-28 12:23

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-01/28/2022

[redacted]_[redacted]_[redacted]_1.21.2022_[redacted].pdf
[redacted].pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-182

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-183

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-184

[redacted]

Closed

FCRE1325

2022-03-28 18:29

2022-03-30 12:00

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-03/30/2022

Resolved-Document received clears finding - Due Diligence Vendor-03/30/2022

Ready for Review-Document Uploaded. see the entity docs to show ownership
- Seller-03/29/2022

Open-Borrower 1 CPA Letter Missing Need proof of 25% ownership in business - Due Diligence Vendor-01/28/2022

Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-01/21/2022

Ready for Review-Document Uploaded. see the entity docs to show ownership
- Seller-03/29/2022

Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-03/30/2022

Resolved-Document received clears finding - Due Diligence Vendor-03/30/2022

LLC OPERATING AGREREMENT (29).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-184

[redacted]

Closed

FCRE7756

2022-02-07 14:06

2022-02-08 07:42

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/08/2022

Resolved-initial credit report received - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-02/07/2022

Open-Credit Report is Missing - Due Diligence Vendor-01/21/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-02/07/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/08/2022

Resolved-initial credit report received - Due Diligence Vendor-02/08/2022

[redacted] - LENDER CREDIT REPORT.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-185

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-186

[redacted]

Closed

FCOM3571

2022-02-07 10:15

2022-02-08 14:30

Resolved

1 - Information

Compliance

Closing

HUD-1 not executed properly

Resolved-final HUD received. - Due Diligence Vendor-02/08/2022
Ready for Review-Document Uploaded. Uploaded Final Settlement Statement and Passport - Seller-02/07/2022
Open-Final settlement stated was not dated. Use [redacted] as default settlement and funding date. - Due Diligence Vendor-01/28/2022

Ready for Review-Document Uploaded. Uploaded Final Settlement Statement and Passport - Seller-02/07/2022

Resolved-final HUD received. - Due Diligence Vendor-02/08/2022

[redacted] - Signed Master Statement.pdf

[redacted] - PASSPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-186

[redacted]

Closed

FVAL1039

2022-01-25 16:01

2022-01-31 12:29

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-01/31/2022

Open-Document Uploaded. AVM does not support value, BPO on order.

AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-01/25/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-01/31/2022

[redacted]_[redacted]_[redacted]_1.21.2022_[redacted].pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-187

[redacted]

Closed

FCRE7756

2022-02-04 10:54

2022-02-08 15:46

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/08/2022

Resolved-received credit report - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-02/04/2022

Open-Credit Report is Missing - Due Diligence Vendor-01/26/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-02/04/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/08/2022

Resolved-received credit report - Due Diligence Vendor-02/08/2022

[redacted] LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-187

[redacted]

Closed

FCRE6019

2022-02-04 10:54

2022-02-08 15:43

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-02/08/2022

Resolved-passport received - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded Passport - Seller-02/04/2022

Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-01/26/2022

Ready for Review-Document Uploaded. Uploaded Passport - Seller-02/04/2022

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-02/08/2022

Resolved-passport received - Due Diligence Vendor-02/08/2022

[redacted] - PASSPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-188

[redacted]

Closed

finding-3367

2022-02-25 10:27

2022-02-25 10:30

Resolved

1 - Information

Compliance

Disclosure

RESPA Homeownership Counseling Organizations Disclosure Date Test

Resolved-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. fixed date - Due Diligence Vendor-02/25/2022

Resolved-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-02/25/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-189

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-190

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-191

[redacted]

Closed

FPRO1242

2022-02-04 12:45

2022-02-08 15:01

Resolved

1 - Information

Property

Missing Doc

Appraisal is Missing

Resolved-received appraisal - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded Appraisal - Seller-02/04/2022

Open-No appraisal in file with a 1007. RV - Due Diligence Vendor-01/26/2022

Ready for Review-Document Uploaded. Uploaded Appraisal - Seller-02/04/2022

Resolved-received appraisal - Due Diligence Vendor-02/08/2022

[redacted] - APPRAISAL.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-192

[redacted]

Closed

FCRE2109

2022-02-04 13:04

2022-02-08 14:56

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-document provided - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/04/2022

Open-Missing DSCR worksheet which is required on Business Purpose DSCR loans. - Due Diligence Vendor-01/27/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/04/2022

Resolved-document provided - Due Diligence Vendor-02/08/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-193

[redacted]

Closed

FCRE3931

2022-02-04 14:29

2022-02-08 14:34

Resolved

1 - Information

Credit

Eligibility

Other Credit Finding 1

Resolved-Document received. Finding cleared. - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/04/2022

Open-Missing DSCR Score Sheet - Due Diligence Vendor-01/25/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/04/2022

Resolved-Document received. Finding cleared. - Due Diligence Vendor-02/08/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-194

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-195

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-196

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-197

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXX_2022-ATH2-198

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-199

[redacted]

Closed

FCOM4028

2022-01-23 18:27

2022-01-28 13:39

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/28/2022

Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/24/2022

Open-- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/27/2022

Resolved-- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/28/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-200

[redacted]

Closed

FCRE2109

2022-02-04 14:13

2022-02-08 14:52

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-document provided - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/04/2022

Open-DSCR worksheet missing - Due Diligence Vendor-01/25/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/04/2022

Resolved-document provided - Due Diligence Vendor-02/08/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-201

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-202

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-203

[redacted]

Closed

FCRE8611

2022-02-07 10:33

2022-02-08 14:20

Resolved

1 - Information

Credit

Income/Employment

Income/Employment General

Resolved- - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded Business Purpose of Loan Cert - Seller-02/07/2022

Open-Missing Business Purpose Affidavit as this is a Business Purpose loan - Due Diligence Vendor-01/21/2022

Ready for Review-Document Uploaded. Uploaded Business Purpose of Loan Cert - Seller-02/07/2022

Disclosure received. Finding cleared.

[redacted] - Business Purpose of Loan Certification.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-203

[redacted]

Closed

FCOM1220

2022-02-07 10:33

2022-02-08 14:19

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-Signed DOT received. Finding cleared. - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded signed DOT/Mortgage - Seller-02/07/2022

Open-The Deed of Trust is Missing No Deed of Trust for subject loan in file. MIssing Deed of Trust executed and notarized - Due Diligence Vendor-01/21/2022

Ready for Review-Document Uploaded. Uploaded signed DOT/Mortgage - Seller-02/07/2022

Resolved-Signed DOT received. Finding cleared. - Due Diligence Vendor-02/08/2022

[redacted] - Mortgage.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-203

[redacted]

Closed

FCOM1207

2022-02-07 10:32

2022-02-08 14:19

Resolved

1 - Information

Compliance

Closing

The Note is Not Executed

Resolved-Signed Note was provided. Finding cleared. - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded signed Note - Seller-02/07/2022

Open-The Note is Not Executed page 236 of the 268 page PDF is a copy of the Note. It is not executed. No closing docs were found in file. Only older closing docs from the loan we are paying off from Dec 2020 - Due Diligence Vendor-01/21/2022

Ready for Review-Document Uploaded. Uploaded signed Note - Seller-02/07/2022

Resolved-Signed Note was provided. Finding cleared. - Due Diligence Vendor-02/08/2022

[redacted] - Signed Note.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-203

[redacted]

Closed

FCOM1233

2022-02-07 10:31

2022-02-08 13:52

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-The Final 1003 is Present - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded final signed 1003 - Seller-02/07/2022

Open-Not signed - Due Diligence Vendor-01/21/2022

Ready for Review-Document Uploaded. Uploaded final signed 1003 - Seller-02/07/2022

Resolved-The Final 1003 is Present - Due Diligence Vendor-02/08/2022

[redacted] - FINAL SIGNED 1003.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-204

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-205

[redacted]

Closed

FVAL1039

2022-01-25 09:02

2022-01-28 12:03

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-01/28/2022

[redacted]_[redacted]_[redacted]_1.21.2022_[redacted].pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-206

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-207

[redacted]

Closed

FCRE1173

2022-02-11 09:54

2022-02-11 10:16

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-02/11/2022

Resolved-insurance received - Due Diligence Vendor-02/11/2022

Ready for Review-Document Uploaded. Uploaded master insurance policy - Seller-02/11/2022

Open-Missing HO-6 Master Insurance Policy HO6 is in file but the master policy covering building and liability insurance is missing. Please provide master policy for building and liability for project - Due Diligence Vendor-01/26/2022

Ready for Review-Document Uploaded. Uploaded master insurance policy - Seller-02/11/2022

Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-02/11/2022

Resolved-insurance received - Due Diligence Vendor-02/11/2022

[redacted] - Master Policy.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-207

[redacted]

Closed

FVAL1039

2022-01-28 11:16

2022-01-28 11:35

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Condition AVM supports OA. - Due Diligence Vendor-01/28/2022

Open-AMV is 11.71% lower than appraised value. Desk review needed. - Due Diligence Vendor-01/28/2022

Resolved-Document Uploaded. Condition AVM supports OA. - Due Diligence Vendor-01/28/2022

[redacted]_Condition AVM.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-208

[redacted]

Closed

finding-3415

2022-02-24 14:59

2022-02-24 15:02

Resolved

1 - Information

Compliance

Points & Fees

High-Cost Mortgage Date the Rate Was Set Validation Test

Resolved-Resolved - Due Diligence Vendor-02/24/2022

Open-This loan failed the date the rate was set validation test. ( 12 CFR §1026.32(1)(i)(A), (C) )This loan did not provide the date the rate was set, which is required for the High-Cost Mortgage Finding. - Due Diligence Vendor-02/24/2022

Resolved-Resolved - Due Diligence Vendor-02/24/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-208

[redacted]

Closed

FCOM1797

2022-02-18 10:57

2022-02-24 14:23

Resolved

1 - Information

Compliance

Missing Doc

Missing Service Provider List

Resolved-received - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded Service Provide List - Seller-02/18/2022

Open- - Due Diligence Vendor-02/10/2022

Ready for Review-Document Uploaded. Uploaded Service Provide List - Seller-02/18/2022

Resolved-received - Due Diligence Vendor-02/24/2022

[redacted]-Service Provide List.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-208

[redacted]

Closed

FCOM1252

2022-02-18 10:56

2022-02-24 14:23

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-received - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded LE - Seller-02/18/2022

Open-Missing Loan Estimate hence compliance not run - Due Diligence Vendor-02/10/2022

Ready for Review-Document Uploaded. Uploaded LE - Seller-02/18/2022

Resolved-received - Due Diligence Vendor-02/24/2022

[redacted]-EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-209

[redacted]

Closed

FCOM4028

2022-02-08 06:46

2022-02-24 10:05

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/24/2022

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved - Due Diligence Vendor-02/11/2022

Rescinded-Missing evidence of Mortgage recording - Due Diligence Vendor-02/08/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-210

[redacted]

Closed

FCRE2109

2022-02-18 18:30

2022-02-23 13:18

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document provided. Finding resolved. - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/19/2022

Open-Missing DSCR Residential Calculator. - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/19/2022

Resolved-Document provided. Finding resolved. - Due Diligence Vendor-02/23/2022

[redacted]-DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-210

[redacted]

Closed

FVAL1039

2022-02-15 09:52

2022-02-15 09:53

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. - Due Diligence Vendor-02/15/2022

Resolved-BPO supports original appraisal
- Due Diligence Vendor-02/15/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-211

[redacted]

Closed

FCRE7347

2022-03-01 19:55

2022-03-04 07:46

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-received - Due Diligence Vendor-03/04/2022

Ready for Review-Document Uploaded. Uploaded Lease - Seller-03/02/2022

Open- - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded Lease - Seller-03/02/2022

Resolved-received - Due Diligence Vendor-03/04/2022

[redacted]-RENTAL_LEASE AGREEMENTS.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-211

[redacted]

Closed

FCRE7756

2022-02-18 15:03

2022-02-24 13:31

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded credit report for both borrowers - Seller-02/18/2022

Open-Credit Report is Missing Credit Report are missing for each borrower. Both are US citizens - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded credit report for both borrowers - Seller-02/18/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022

[redacted] - LENDER CREDIT REPORT - [redacted].pdf

[redacted] - LENDER CREDIT REPORT - [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-212

[redacted]

Closed

FCOM4028

2022-02-08 08:06

2022-02-24 10:05

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/24/2022

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/10/2022

Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/10/2022

Open-Missing evidence of Mortgage recording Mortgage is not Recorded/ Not sent for Recording. - Due Diligence Vendor-02/08/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-213

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-214

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-215

[redacted]

Closed

FCRE7756

2022-02-18 13:51

2022-04-21 20:19

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded credit report for both borrowers - Seller-02/18/2022

Open-Credit Report is Missing Credit Report is not provided/ is missing - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded credit report for both borrowers - Seller-02/18/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022

[redacted] - LENDER CREDIT REPORT - [redacted].pdf

[redacted] - LENDER CREDIT REPORT - [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-215

[redacted]

Closed

FCRE7347

2022-04-19 10:08

2022-04-21 20:17

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Received lease - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-04/19/2022

Open-Lease Agreement document is missing - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-04/19/2022

Resolved-Received lease - Due Diligence Vendor-04/22/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-216

[redacted]

Closed

FCOM4028

2022-02-08 02:30

2022-02-24 10:05

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/24/2022

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/10/2022

Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/08/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-217

[redacted]

Closed

FCRE7756

2022-02-18 13:40

2022-02-24 11:20

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-provided - Due Diligence Vendor-02/24/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded credit report for both borrowers - Seller-02/18/2022

Open-Credit Report is Missing BOTH THE BORROWERS CREDIT REPORT DOCUMENT IS MISSING. - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded credit report for both borrowers - Seller-02/18/2022

Resolved-provided - Due Diligence Vendor-02/24/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022

[redacted] - LENDER CREDIT REPORT - [redacted].pdf

[redacted] - LENDER CREDIT REPORT - [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-217

[redacted]

Closed

FCRE7347

2022-02-18 13:41

2022-02-24 11:20

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-lease in file - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-02/18/2022

Open-LEASE AGREEMENT DOCUMENT IS MISSING FOR THE SUJECT PROPERTY. - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-02/18/2022

Resolved-lease in file - Due Diligence Vendor-02/24/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-218

[redacted]

Closed

FVAL1039

2022-02-14 13:25

2022-02-15 15:46

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-02/15/2022

Open-Document Uploaded. - Due Diligence Vendor-02/14/2022

Open-AVM/BPO does not support value. Ordered desk review.

- Due Diligence Vendor-02/14/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-02/15/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-219

[redacted]

Closed

FCRE2109

2022-02-18 09:26

2022-02-24 09:09

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Open-DSCR CALCULATION WORKSHEET DOCUMENT IS MISSING. - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-219

[redacted]

Closed

FVAL1039

2022-02-21 12:39

2022-02-21 12:42

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. - Due Diligence Vendor-02/21/2022

Resolved-BPO supports original appraisal
- Due Diligence Vendor-02/21/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-220

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-221

[redacted]

Closed

FCOM3910

2022-03-10 16:29

2022-03-14 14:44

Resolved

1 - Information

Compliance

Disclosure

Other Compliance Finding

Resolved-Documents received clears finding - Due Diligence Vendor-03/14/2022
Ready for Review-Document Uploaded. Please see the Post-closing CD uploaded. - Seller-03/10/2022
Open-On this loan there are two final Closing discourse. However, both the CDs are issued on [redacted] (page#205 & second on page#210) & signed on [redacted] but there is Change in the fees in both the CDs. Different charges on both -and no coc. Need to know which one is the final before we can run compliance - Due Diligence Vendor-02/15/2022

Ready for Review-Document Uploaded. Please see the Post-closing CD uploaded. - Seller-03/10/2022

Resolved-Documents received clears finding - Due Diligence Vendor-03/14/2022

[redacted]-PCCD.pdf

[redacted]-Proof of Delivery (PC CD).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-222

[redacted]

Closed

FCRE7756

2022-02-18 11:54

2022-02-24 14:34

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022

Resolved-received - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded Credit Report - Seller-02/18/2022

Open-CREDIT REPORT IS MISSING - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded Credit Report - Seller-02/18/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022

Resolved-received - Due Diligence Vendor-02/24/2022

[redacted]-LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-223

[redacted]

Closed

FCRE7756

2022-02-18 09:41

2022-05-02 09:17

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022

Resolved-received
- Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded credit report for both borrowers - Seller-02/18/2022

Open-CREDIT REPORT IS MISSING - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded credit report for both borrowers - Seller-02/18/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022

Resolved-received
- Due Diligence Vendor-02/24/2022

[redacted] - LENDER CREDIT REPORT - [redacted].pdf
[redacted] - LENDER CREDIT REPORT - [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-224

[redacted]

Closed

FCRE7347

2022-04-11 16:28

2022-04-12 09:57

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-received - Due Diligence Vendor-04/12/2022

Ready for Review-Document Uploaded. Uploaded Lease - Seller-04/11/2022

Open-LEASE AGREEMENT IS MISSING - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded Lease - Seller-04/11/2022

Resolved-received - Due Diligence Vendor-04/12/2022

[redacted]-[redacted] Residential Lease Agreement.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-224

[redacted]

Closed

FCRE2109

2022-02-18 10:06

2022-02-24 09:10

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. - Seller-02/18/2022

Open-DSCR CALCULATION WORKSHEET IS MISSING - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. - Seller-02/18/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

Uploaded DSCR

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-225

[redacted]

Closed

FVAL1039

2022-02-08 04:16

2022-02-15 10:05

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/15/2022

Open-AVM Does not support Value, Variation is more than 10%.

Ordered BPO.

- Due Diligence Vendor-02/08/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/15/2022

[redacted]_[redacted]_[redacted]_2.9.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-226

[redacted]

Closed

FCRE2109

2022-03-23 09:36

2022-03-24 11:46

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received. - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Open-DSCR Calculation Sheet is missing - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Resolved-received. - Due Diligence Vendor-03/24/2022

[redacted]-DSCR 1.8490x.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-226

[redacted]

Closed

FCRE1145

2022-02-10 03:03

2022-02-15 12:29

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/15/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-226

[redacted]

Closed

FVAL1039

2022-02-11 11:30

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. - Due Diligence Vendor-02/11/2022

Resolved-BPO supports original appraisal
- Due Diligence Vendor-02/11/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-227

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXX_2022-ATH2-228

[redacted]

Closed

FCRE1148

2022-02-09 02:48

2022-02-15 12:29

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/15/2022
Open-Title Coverage Amount of $[redacted] is Less than Total Amount of Subject Lien(s) of $[redacted]+0+0 - Due Diligence Vendor-02/09/2022

Resolved-- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/15/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-228

[redacted]

Closed

FVAL1039

2022-02-11 13:33

2022-02-11 13:34

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. - Due Diligence Vendor-02/11/2022

Resolved-BPO supports original appraisal
- Due Diligence Vendor-02/11/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-229

[redacted]

Closed

FCRE2109

2022-03-09 13:33

2022-03-09 14:47

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded DSCR Work Sheet - Seller-03/09/2022

Open-Residential DSCR Calculator is missing - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR Work Sheet - Seller-03/09/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-03/09/2022

DSCR Calculations Worksheet.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-230

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-231

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-232

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-233

[redacted]

Closed

FCRE7756

2022-03-28 18:40

2022-05-02 08:51

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-05/02/2022
Resolved-Credit reports received - Due Diligence Vendor-03/30/2022
Ready for Review-Document Uploaded. Uploaded Credit Reports - Seller-03/29/2022
Open-Credit Report is Missing - Due Diligence Vendor-02/28/2022
Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022
Resolved-received - Due Diligence Vendor-02/24/2022
Ready for Review-Document Uploaded. Uploaded Credit report for both borrowers - Seller-02/18/2022
Open-Credit Report is Missing - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded Credit Reports - Seller-03/29/2022

Ready for Review-Document Uploaded. Uploaded Credit report for both borrowers - Seller-02/18/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-05/02/2022
Resolved-Credit reports received - Due Diligence Vendor-03/30/2022
Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022
Resolved-received - Due Diligence Vendor-02/24/2022

[redacted] - LENDER CREDIT REPORT - [redacted].pdf
[redacted] - LENDER CREDIT REPORT - [redacted].pdf
[redacted] - LENDER CREDIT REPORT - [redacted].pdf
[redacted] - LENDER CREDIT REPORT - [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-233

[redacted]

Closed

FCRE7347

2022-03-28 18:33

2022-03-30 12:21

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Received lease - Due Diligence Vendor-03/30/2022

Ready for Review-Document Uploaded. Uploaded the lease in the file - and updated DSCR
- Seller-03/29/2022

Open-Lease agreement is missing - Due Diligence Vendor-02/14/2022

Ready for Review-Document Uploaded. Uploaded the lease in the file - and updated DSCR
- Seller-03/29/2022

Resolved-Received lease - Due Diligence Vendor-03/30/2022

[redacted] - LEASE AGREEMENT.pdf
[redacted]-DSCR form - [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-233

[redacted]

Closed

FCOM4028

2022-02-14 02:49

2022-02-24 10:05

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/24/2022

Rescinded-Missing evidence of Mortgage recording File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/14/2022

Rescinded-Missing evidence of Mortgage recording - Due Diligence Vendor-02/14/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-234

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-235

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-236

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-237

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-238

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-239

[redacted]

Closed

FCRE2109

2022-02-18 15:49

2022-02-23 14:32

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Open-DSCR Calculation work sheet is missing - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/23/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-240

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-241

[redacted]

Closed

FCRE2109

2022-02-18 09:57

2022-02-24 09:03

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Open-Lender Income Calculation Worksheet is missing in the file. - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-242

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-243

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-244

[redacted]

Closed

finding-3440

2022-02-10 08:56

2022-02-25 10:19

Resolved

1 - Information

Compliance

Points & Fees

GSE (Freddie Mac public guidelines) Loan Term Test

Resolved-Resolved - Due Diligence Vendor-02/25/2022

Rescinded-This loan failed the loan term test. ( Freddie Mac Bulletin 2013-16 )The loan term exceeds 30 years. Mortgages must not have terms exceeding 30 years to be eligible for sale to Freddie Mac. - Due Diligence Vendor-02/10/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-244

[redacted]

Closed

finding-3441

2022-02-10 08:56

2022-02-25 10:19

Resolved

1 - Information

Compliance

Points & Fees

GSE (Freddie Mac public guidelines) QM Points and Fees Test

Resolved-Resolved - Due Diligence Vendor-02/25/2022

Rescinded-This loan failed the QM points and fees test due to one of the following findings: ( Freddie Mac Bulletin 2013-16 )The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.The loan is not subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 5% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to Freddie Mac.Mortgages exempt from the ability to repay requirements under Regulation Z with points and fees exceeding 5% of the total loan amount will not be eligible for sale to Freddie Mac. - Due Diligence Vendor-02/10/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-244

[redacted]

Closed

finding-3791

2022-02-10 08:56

2022-02-25 10:19

Resolved

1 - Information

Compliance

ComplianceEase

Qualified Mortgage Interest Only Test

Resolved-Resolved - Due Diligence Vendor-02/25/2022

Rescinded-This loan failed the qualified mortgage interest only test. (12 CFR 1026.43(e)(2)(i)(B))A qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not allow the consumer to defer repayment of principal.This loan is an interest only loan or a graduated payment mortgage. - Due Diligence Vendor-02/10/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-244

[redacted]

Closed

finding-3800

2022-02-10 08:56

2022-02-25 10:19

Resolved

1 - Information

Compliance

ComplianceEase

Qualified Mortgage Lending Policy Points and Fees Test

Resolved-Resolved - Due Diligence Vendor-02/25/2022

Rescinded-This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is [redacted] or more, and the transaction's total points and fees is [redacted], which exceeds 3 percent of the total loan amount of [redacted]; orThe loan amount is less than [redacted]00 but at least [redacted], and the transaction's total points and fees is [redacted], which exceeds [redacted]; orThe loan amount is less than [redacted] but at least [redacted], and the transaction's total points and fees is [redacted], which exceeds 5 percent of the total loan amount of [redacted]; orThe loan amount is less than [redacted] but at least [redacted], and the transaction's total points and fees is [redacted], which exceeds [redacted]; orThe loan amount is less than [redacted] and the transaction's total points and fees is [redacted], which exceeds 8 percent of the total loan amount of [redacted]. - Due Diligence Vendor-02/10/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-244

[redacted]

Closed

finding-3617

2022-02-10 08:56

2022-02-25 10:19

Resolved

1 - Information

Compliance

TRID

TRID Initial Closing Disclosure Date and Funding Date Validation Test

Resolved-Resolved - Due Diligence Vendor-02/25/2022

Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. In this file we have 2 CD's one CD disbursement date is of [redacted] which is signed on [redacted], which is matching with our Notary date. Other one has a Disbursement date of [redacted] but unsigned.

Both the above CD's were issued on the same date: [redacted].

We have now considered the Final CD update from the signed [redacted] CD. But getting compliance errors - TRID Closing Disclosure Date and Funding Date Validation Test- Fail. - Due Diligence Vendor-02/10/2022

Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-02/10/2022

Resolved-Resolved - Due Diligence Vendor-02/25/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-244

[redacted]

Closed

finding-2962

2022-02-10 08:56

2022-02-25 10:19

Resolved

1 - Information

Compliance

Points & Fees

CA AB 260 Higher-Priced Mortgage Loan Test

Resolved-Resolved - Due Diligence Vendor-02/25/2022
Rescinded-This loan failed the CA AB 260 higher-priced mortgage loan test. ([redacted], [redacted](a))
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the [redacted] Financial Code.
While the [redacted] Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-02/10/2022

Resolved-Resolved - Due Diligence Vendor-02/25/2022
Rescinded-This loan failed the [redacted] AB 260 higher-priced mortgage loan test. ([redacted](a))
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the [redacted] Financial Code.
While the [redacted] Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-02/10/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-244

[redacted]

Closed

finding-2997

2022-02-10 08:56

2022-02-25 10:19

Resolved

1 - Information

Compliance

Points & Fees

GSE (Fannie Mae Public Guidelines) Amortization Test

Resolved-Resolved - Due Diligence Vendor-02/25/2022
Rescinded-This loan failed the amortization test for one of the following reasons: (Fannie Mae Announcement 2010-06, Fannie Mae Announcement 2013-06 )The loan has a date creditor received application before January 10, 2014, the loan contains an interest-only feature, and one or more of the following applies:The loan is a cash-out refinance.The loan is secured by an investment property, a unit in a co-op project, or a manufactured home.The loan is secured by a 2-4 unit property.The loan has a date creditor received application on or after January 10, 2014 and the loan is not fully amortizing.For loans with a date creditor received application before January 10, 2014, certain transactions are not eligible for delivery to Fannie Mae with an interest-only feature.For loans with a date creditor received application on or after January 10, 2014, loans eligible for sale to Fannie Mae must be fully amortizing, as defined in Regulation Z. - Due Diligence Vendor-02/10/2022

Resolved-Resolved - Due Diligence Vendor-02/25/2022

Rescinded-This loan failed the amortization test for one of the following reasons: (Fannie Mae Announcement 2010-06, Fannie Mae Announcement 2013-06 )The loan has a date creditor received application before January 10, 2014, the loan contains an interest-only feature, and one or more of the following applies:The loan is a cash-out refinance.The loan is secured by an investment property, a unit in a co-op project, or a manufactured home.The loan is secured by a 2-4 unit property.The loan has a date creditor received application on or after January 10, 2014 and the loan is not fully amortizing.For loans with a date creditor received application before January 10, 2014, certain transactions are not eligible for delivery to Fannie Mae with an interest-only feature.For loans with a date creditor received application on or after January 10, 2014, loans eligible for sale to Fannie Mae must be fully amortizing, as defined in Regulation Z. - Due Diligence Vendor-02/10/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-244

[redacted]

Closed

finding-3631

2022-02-10 08:56

2022-02-25 10:19

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved-Resolved - Due Diligence Vendor-02/25/2022

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/10/2022

Resolved-Resolved - Due Diligence Vendor-02/25/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-244

[redacted]

Closed

finding-2998

2022-02-10 08:56

2022-02-25 10:19

Resolved

1 - Information

Compliance

Points & Fees

GSE (Freddie Mac public guidelines) Amortization Test

Resolved-Resolved - Due Diligence Vendor-02/25/2022

Rescinded-This loan failed the amortization test for one of the following reasons: ( Freddie Mac Bulletin 2010-7 , Freddie Mac Bulletin 2013-16 )The loan has a date creditor received application before January 10, 2014 and the loan is an initial interest mortgage provides an interest only option.The loan has a date creditor received application on or after January 10, 2014 and the loan is not fully amortizing.For loans with a date creditor received application before January 10, 2014, Freddie Mac will not purchase initial interest mortgages or any mortgage with an interest only option.For loans with a date creditor received application on or after January 10, 2014, loans eligible for sale to Freddie Mac must be fully amortizing (e.g., the mortgages must not be interest-only or have potential for negative amortization.) - Due Diligence Vendor-02/10/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-244

[redacted]

Closed

finding-3632

2022-02-10 08:56

2022-02-25 10:19

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Resolved-Resolved - Due Diligence Vendor-02/25/2022

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/10/2022

Resolved-Resolved - Due Diligence Vendor-02/25/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-244

[redacted]

Closed

finding-3634

2022-02-10 08:56

2022-02-25 10:19

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Resolved - Due Diligence Vendor-02/25/2022

Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $995.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). COC is missing for Final CD dated 01/13/2022 For section A. Broker Processing Fee $995. - Due Diligence Vendor-02/10/2022

Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $995.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/10/2022

Resolved-Resolved - Due Diligence Vendor-02/25/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-244

[redacted]

Closed

finding-3436

2022-02-10 08:56

2022-02-25 10:19

Resolved

1 - Information

Compliance

Points & Fees

GSE (Fannie Mae public guidelines) QM Points and Fees Test

Resolved-Resolved - Due Diligence Vendor-02/25/2022

Rescinded-This loan failed the QM points and fees test due to one of the following findings: ( Fannie Mae Announcement 2013-06 )The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.The loan is not subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 5% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to Fannie Mae.Mortgages exempt from the ability to repay requirements under Regulation Z with points and fees exceeding 5% of the total loan amount will not be eligible for sale to Fannie Mae. - Due Diligence Vendor-02/10/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-244

[redacted]

Closed

finding-3437

2022-02-10 08:56

2022-02-25 10:19

Resolved

1 - Information

Compliance

Points & Fees

GSE (Fannie Mae public guidelines) Loan Term Test

Resolved-Resolved - Due Diligence Vendor-02/25/2022

Rescinded-This loan failed the loan term test. ( Fannie Mae Announcement 2013-06 )The loan term exceeds 30 years. Mortgages must not have terms exceeding 30 years to be eligible for sale to Fannie Mae. - Due Diligence Vendor-02/10/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-244

[redacted]

Closed

finding-3797

2022-02-10 08:56

2022-02-25 10:19

Resolved

1 - Information

Compliance

ComplianceEase

Qualified Mortgage Loan Term Test

Resolved-Resolved - Due Diligence Vendor-02/25/2022

Rescinded-This loan failed the qualified mortgage loan term test. (12 CFR 1026.43(e)(2)(iii))A qualified mortgage is a covered transaction for which the loan term does not exceed 30 years.This loan has a loan term of 480 months which exceeds the 360-month loan term limit for qualified mortgages. - Due Diligence Vendor-02/10/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-245

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXX_2022-ATH2-246

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-247

[redacted]

Closed

FVAL1039

2022-02-12 11:26

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. - Due Diligence Vendor-02/12/2022

Resolved-BPO supports original appraisal
- Due Diligence Vendor-02/12/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-248

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-249

[redacted]

Closed

FCRE2109

2022-02-18 13:32

2022-02-24 10:43

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR Worksheet - Seller-02/18/2022

Open-DSCR Calculation sheet is Missing - Due Diligence Vendor-02/10/2022

Ready for Review-Document Uploaded. Uploaded DSCR Worksheet - Seller-02/18/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

[redacted]-DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-250

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-251

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-252

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-253

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-254

[redacted]

Closed

FCRE7756

2022-03-09 13:40

2022-03-09 14:51

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded Co-Borrower Credit Report - Seller-03/09/2022

Counter-Please provide co-borrower credit report. - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-02/18/2022

Open-Credit Report is Missing - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded Co-Borrower Credit Report - Seller-03/09/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-02/18/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-03/09/2022

[redacted] - LENDER CREDIT REPORT - [redacted].pdf
[redacted]-LENDER CREDIT REPORT-[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-254

[redacted]

Closed

FCRE1345

2022-02-18 14:11

2022-02-24 13:48

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Lease Agreements Missing

Resolved-Lease received. Finding resolved. - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-02/18/2022

Open-Borrower subject property rent agreement is missing. - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-02/18/2022

Resolved-Lease received. Finding resolved. - Due Diligence Vendor-02/24/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-255

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-256

[redacted]

Closed

FCRE7756

2022-02-18 15:23

2022-05-02 08:55

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-02/18/2022

Open-Credit Report is Missing - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-02/18/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/23/2022

[redacted] - LENDER CREDIT REPORT - [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-256

[redacted]

Closed

FCRE7347

2022-02-18 15:23

2022-02-23 14:54

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease agreement provided. Finding resolved. - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-02/18/2022

Open-missing lease agreement in the file - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-02/18/2022

Resolved-Lease agreement provided. Finding resolved. - Due Diligence Vendor-02/23/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-257

[redacted]

Closed

FVAL1039

2022-02-10 10:07

2022-02-22 16:09

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-02/22/2022

Open- - Due Diligence Vendor-02/10/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-02/22/2022

AVM/BPO does not support value. Ordered desk review.
confidence Score Below 70

[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-258

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-259

[redacted]

Closed

FVAL1039

2022-02-10 13:09

2022-03-04 09:39

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/04/2022

Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-03/02/2022

Open-Document Uploaded. AVM/BPO does not support value. - Due Diligence Vendor-02/10/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/04/2022

[redacted]_[redacted]_[redacted]_2.16.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-260

[redacted]

Closed

FVAL1039

2022-02-12 11:38

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. - Due Diligence Vendor-02/12/2022

Resolved-BPO supports original appraisal
- Due Diligence Vendor-02/12/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-261

[redacted]

Closed

FCRE1176

2022-02-09 07:00

2022-02-22 08:13

Resolved

1 - Information

Credit

Insurance

HO6 Insurance Policy Effective Date is after the Note Date

Resolved-HO6 insurance is in effect on the funding date - Due Diligence Vendor-02/22/2022
Open-HO-6 Insurance Policy Effective Date of [redacted] is after the Note Date of [redacted] HUD is dated [redacted] - same as the Insurance. RV - Due Diligence Vendor-02/14/2022
Open-HO-6 Insurance Policy Effective Date of [redacted] is after the Note Date of [redacted] - Due Diligence Vendor-02/09/2022

Resolved-HO6 insurance is in effect on the funding date - Due Diligence Vendor-02/22/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-262

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-263

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-264

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-265

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-266

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-267

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-268

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-269

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-270

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-271

[redacted]

Closed

FCRE2109

2022-02-18 15:26

2022-02-24 09:16

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Open-DSCR Calculation Sheet is Missing - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-272

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-273

[redacted]

Closed

FCRE2109

2022-02-18 12:07

2022-02-24 14:37

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Open-DSCR CALCULATION WORKSHEET IS MISSING - Due Diligence Vendor-02/10/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Resolved-received - Due Diligence Vendor-02/24/2022

[redacted]-DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-274

[redacted]

Closed

FCRE2109

2022-02-18 10:39

2022-02-24 09:14

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Open-Residential DSCR Calculation sheet is missing - Due Diligence Vendor-02/11/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-275

[redacted]

Closed

FVAL1039

2022-02-14 09:43

2022-02-14 12:57

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/14/2022

Open-AVM does not support value.
- Due Diligence Vendor-02/14/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/14/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-276

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-277

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-278

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-279

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-280

[redacted]

Closed

FVAL1039

2022-02-12 10:58

2022-02-12 12:52

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-BPO value of $[redacted] supports appraised value. Finding is resolved. - Due Diligence Vendor-02/12/2022
Open-AVM/BPO does not support value. Ordered desk review?
- Due Diligence Vendor-02/12/2022

Resolved-BPO value of $[redacted] supports appraised value. Finding is resolved. - Due Diligence Vendor-02/12/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-281

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-282

[redacted]

Closed

FVAL1039

2022-02-15 11:35

2022-02-15 11:36

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. - Due Diligence Vendor-02/15/2022

Resolved-BPO supports original appraisal
- Due Diligence Vendor-02/15/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-283

[redacted]

Closed

FCRE1254

2022-02-08 11:55

2022-02-15 13:24

Resolved

1 - Information

Credit

Title

Property Title Issue

Resolved-- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/15/2022

Open-Property Title Issue - Final Title Policy to reflect the removal of the Commitment Schedule B II, Item 2e:
2e. Any lien, or right to a lien, for services, labor or material furnished, imposed by law and not recorded in
the Public Records. - Due Diligence Vendor-02/08/2022

Resolved-- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/15/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-284

[redacted]

Closed

FVAL1039

2022-02-15 11:31

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. - Due Diligence Vendor-02/15/2022

Resolved-BPO supports original appraisal
- Due Diligence Vendor-02/15/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-285

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-286

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-287

[redacted]

Closed

FCRE1241

2022-02-18 13:41

2022-02-24 13:55

Resolved

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded Purchase Contract - Seller-02/18/2022

Open- - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded Purchase Contract - Seller-02/18/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

PURCHASE CONTRACT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-287

[redacted]

Closed

FCRE2109

2022-02-18 13:42

2022-02-24 13:50

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Open-The DSCR calculation is not present. - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

[redacted]-DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-287

[redacted]

Closed

FCOM4028

2022-02-08 17:03

2022-02-24 10:05

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/24/2022

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved - Due Diligence Vendor-02/11/2022

Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/09/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-288

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-289

[redacted]

Closed

FCRE1491

2022-02-10 19:20

2022-03-09 10:28

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-02/25/2022
Rescinded-Asset Qualification Does Not Meet Guideline Requirements -- Business Checking [redacted] Statement ending 11/30/2022 (page 572) Less than 2 months Bank Statements. Reviewer found no assets used in qualification on 1003 -- Rescinded. - Due Diligence Vendor-02/11/2022
Rescinded-Asset Qualification Does Not Meet Guideline Requirements - Due Diligence Vendor-02/11/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-289

[redacted]

Closed

FCRE2109

2022-02-18 14:16

2022-02-24 09:15

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Open-Missing DSCR worksheet - Due Diligence Vendor-02/15/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-290

[redacted]

Closed

FCRE7756

2022-03-09 14:00

2022-03-09 14:55

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-03/09/2022
Ready for Review-Document Uploaded. Uploaded Co-Borrower Credit Report  - Seller-03/09/2022
Counter- - Due Diligence Vendor-02/25/2022
Counter-Missing [redacted] report.  - Due Diligence Vendor-02/24/2022
Counter-[redacted] credit is missing. - Due Diligence Vendor-02/24/2022
Ready for Review-Document Uploaded. Uploaded credit report - Seller-02/18/2022
Open-Credit Report is Missing  -- Credit Report not found in file. Reviewer inputted FICO provided by Loan Approval page 1 - Due Diligence Vendor-02/10/2022

Ready for Review-Document Uploaded. Uploaded Co-Borrower Credit Report - Seller-03/09/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-02/18/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-03/09/2022

[redacted] - LENDER CREDIT REPORT - [redacted].pdf
[redacted]-LENDER CREDIT REPORT-[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-290

[redacted]

Closed

FCRE1440

2022-02-10 08:47

2022-03-09 14:55

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/24/2022

Rescinded-Housing History Does Not Meet Guideline Requirements Housing history not provided on 1003 for either Borrowers at their present addresses. Reviewer was not able to find any info from personal identifications, Credit/OFAC report or Web search. - unable to determine until credit report is received. Per guidelines, only mortgage reported on the credit report must be current. - Due Diligence Vendor-02/10/2022

Rescinded-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-02/10/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-290

[redacted]

Closed

FCRE7347

2022-02-18 13:12

2022-02-24 14:43

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-received - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-02/18/2022

Open- - Due Diligence Vendor-02/14/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-02/18/2022

Resolved-received - Due Diligence Vendor-02/24/2022

[redacted] - LEASE AGREEMENT.pdf

[redacted] - LEASE AGREEMENT Extension.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-291

[redacted]

Closed

FCRE7756

2022-02-18 15:30

2022-05-02 09:00

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Ready for Review-Document Uploaded. Uploaded credit report - Seller-02/18/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/23/2022

[redacted] LENDER CREDIT REPORT - [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-291

[redacted]

Closed

FCRE7347

2022-02-18 15:30

2022-02-23 15:00

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease agreement provided. Finding resolved. - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-02/18/2022

Open- - Due Diligence Vendor-02/12/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-02/18/2022

Resolved-Lease agreement provided. Finding resolved. - Due Diligence Vendor-02/23/2022

[redacted] - LEASE AGREEMENT Extension.pdf

[redacted] LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-292

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-293

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-294

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-295

[redacted]

Closed

FCRE1159

2022-03-10 16:05

2022-03-14 15:04

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Document clears findings - Due Diligence Vendor-03/14/2022
Ready for Review-Document Uploaded. Uploaded Hazard Insurance - Seller-03/10/2022
Counter-The policy dates are still after ([redacted]) we need an updated Dec page reflecting new policy dates. We cannot use the date prepared as our policy date. - Due Diligence Vendor-02/24/2022
Ready for Review-Document Uploaded. Uploaded Insurance - Seller-02/19/2022
Open-Hazard Insurance Effective Date of [redacted] is after the Note Date of [redacted] - Due Diligence Vendor-02/10/2022

Ready for Review-Document Uploaded. Uploaded Hazard Insurance - Seller-03/10/2022

Ready for Review-Document Uploaded. Uploaded Insurance - Seller-02/19/2022

Resolved-Document clears findings - Due Diligence Vendor-03/14/2022

[redacted]-HAZARD INSURANCE.pdf

[redacted] - Hazard Insurance.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-295

[redacted]

Closed

finding-3631

2022-03-10 15:59

2022-03-14 15:04

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Ready for Review-Document Uploaded. A Revised CD & Changed Circumstance Detail Form were issued on [redacted] due to the borrower requesting a loan amount increase after docs were drawn which increased the Broker Origination Fee from $9000 to $9300 & added in a redraw fee aka [redacted] Doc Prep & Review Fee of $250. Please see the executed CD from the borrower. - Seller-03/10/2022
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/10/2022

[redacted]-Executed CD (COC).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-295

[redacted]

Closed

finding-3632

2022-03-10 15:59

2022-03-14 15:04

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Ready for Review-Document Uploaded. A Revised CD & Changed Circumstance Detail Form were issued on [redacted] due to the borrower requesting a loan amount increase after docs were drawn which increased the Broker Origination Fee from $9000 to $9300 & added in a redraw fee aka [redacted] Doc Prep & Review Fee of $250. Please see the executed CD from the borrower. - Seller-03/10/2022

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/10/2022

[redacted]-Executed CD (COC).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-295

[redacted]

Closed

finding-3634

2022-03-10 15:58

2022-03-14 15:04

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Ready for Review-Document Uploaded. A Revised CD & Changed Circumstance Detail Form were issued on 1/19/22 due to the borrower requesting a loan amount increase after docs were drawn which increased the Broker Origination Fee from $9000 to $9300 & added in a redraw fee aka [redacted] Doc Prep & Review Fee of $250.  Please see the executed CD from the borrower. - Seller-03/10/2022

Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $550.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). COC missing for Broker Origination Fee & Doc Prep and Review Fee which was added to the Final Closing Disclosure dated 01/21/2022 - Due Diligence Vendor-02/10/2022

Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $550.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/10/2022

[redacted]-Executed CD (COC).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-295

[redacted]

Closed

finding-47

2022-02-10 08:48

2022-02-22 08:18

Resolved

1 - Information

Compliance

Right to Rescind

TILA Right of Rescission Test

Resolved-This loan failed the TILA right of rescission test.

Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. pg 472 has funding date of [redacted].  Updated and cleared. - Due Diligence Vendor-02/22/2022

Resolved-This loan failed the TILA right of rescission test.

Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-02/10/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-296

[redacted]

Closed

finding-3631

2022-03-16 14:49

2022-03-17 10:06

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Ready for Review-Document Uploaded. The 3 $100 charges (PA100, PA300 & PA900) are endorsements that were simply missing the prefix of ""Title"". Please see the PC CD including ""Title"". The borrower was allowed to shop for closing & settlement services therefore these belong to the charges that cannot increase 10% & not 0% tolerance. - Seller-03/16/2022

Resolved- Title endorsement fees fixed. PCCD in file - Due Diligence Vendor-03/17/2022

[redacted] - Proof of Delivery (PC CD).pdf

[redacted] - PC CD.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-296

[redacted]

Closed

finding-3632

2022-03-16 14:49

2022-03-17 10:06

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Resolved- Title endorsement fees fixed. PCCD in file - Due Diligence Vendor-03/17/2022

[redacted] - Proof of Delivery (PC CD).pdf

[redacted] - PC CD.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-296

[redacted]

Closed

finding-3634

2022-03-16 14:48

2022-03-17 10:06

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved- Title endorsement fees fixed.  PCCD in file - Due Diligence Vendor-03/17/2022

Ready for Review-Document Uploaded. The 3 $100 charges (PA100, PA300 & PA900) are endorsements that were simply missing the prefix of ""Title"".  Please see the PC CD including ""Title"".  The borrower was allowed to shop for closing & settlement services therefore these belong to the charges that cannot increase 10% & not 0% tolerance. - Seller-03/16/2022

Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $300.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). there is no COC for Final Closing Disclosure on [redacted]  - Due Diligence Vendor-02/10/2022

Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $300.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/10/2022

Resolved- Title endorsement fees fixed. PCCD in file - Due Diligence Vendor-03/17/2022

[redacted] - Proof of Delivery (PC CD).pdf

[redacted] - PC CD.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-297

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-298

[redacted]

Closed

FCRE2109

2022-02-18 09:19

2022-02-23 14:27

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Open-Missing DSCR doc - Due Diligence Vendor-02/15/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/23/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-299

[redacted]

Closed

FCRE2109

2022-02-18 08:58

2022-02-24 08:23

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-300

[redacted]

Closed

FCRE2109

2022-02-18 18:42

2022-02-23 13:17

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/19/2022

Resolved-Document provided. Finding resolved. - Due Diligence Vendor-02/23/2022

[redacted]-DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-300

[redacted]

Closed

FCRE1182

2022-02-09 12:46

2022-02-15 12:27

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/15/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-301

[redacted]

Closed

FCRE7532

2022-02-10 13:09

2022-04-29 12:18

Acknowledged

2 - Non-Material

Credit

Eligibility

Qualifying Credit Score does not meet eligibility requirement(s)

Acknowledged- - Due Diligence Vendor-04/29/2022
Acknowledged-Credit score exception Minimum score required for pricing was [redacted]. New Credit was pulled 1/25/2022 and the existing credit was outdated. new score is [redacted] - Due Diligence Vendor-02/10/2022

Acknowledged-Credit score exception Minimum score required for pricing was [redacted]. New Credit was pulled 1/25/2022 and the existing credit was outdated. new score is [redacted] - Due Diligence Vendor-02/10/2022

[redacted]% LTV
pg 7

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-301

[redacted]

Closed

FCRE7756

2022-02-18 08:53

2022-02-24 09:21

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022
Ready for Review-Document Uploaded. Uploaded credit reports for both borrowers - Seller-02/18/2022
Open-Credit Report is Missing Executive summary shows both borrowers with credit scores ([redacted]). Please provide missing reports - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded credit reports for both borrowers - Seller-02/18/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022

[redacted] - LENDER CREDIT REPORT - [redacted].pdf
[redacted] - LENDER CREDIT REPORT - [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-302

[redacted]

Closed

FCRE2109

2022-02-18 15:33

2022-02-24 09:11

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-303

[redacted]

Closed

FCRE3931

2022-02-18 10:30

2022-02-24 13:33

Resolved

1 - Information

Credit

Eligibility

Other Credit Finding 1

Resolved-provided - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Open-Missing DSCR worksheet - Due Diligence Vendor-02/10/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Resolved-provided - Due Diligence Vendor-02/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-303

[redacted]

Closed

FVAL1039

2022-02-10 10:12

2022-02-15 16:08

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-02/15/2022

Open-AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-02/10/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-02/15/2022

[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-304

[redacted]

Closed

FVAL1039

2022-02-12 12:04

2022-02-12 12:05

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. - Due Diligence Vendor-02/12/2022

Resolved-BPO supports original appraisal
- Due Diligence Vendor-02/12/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-305

[redacted]

Closed

FCRE7347

2022-02-18 15:46

2022-02-23 13:25

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease agreement with holdover clause provided. Finding resolved. - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement. See page 2 of 2 for Holdover clause. - Seller-02/18/2022

Open-The lease agreement in the loan file expired in 2016 and does not have a holdover clause. - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement. See page 2 of 2 for Holdover clause. - Seller-02/18/2022

Resolved-Lease agreement with holdover clause provided. Finding resolved. - Due Diligence Vendor-02/23/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-306

[redacted]

Closed

FVAL5472

2022-02-08 12:15

2022-04-05 09:26

Waived

2 - Non-Material

Property

Property or house size is outside of guidelines

Waived- - Due Diligence Vendor-04/05/2022
Acknowledged-Exemption found on page 6, condo was [redacted] instead of 500 sq ft.

Compensating Factors
[redacted] fico
1.24x DSCR
[redacted]% LTV
Mortgage History.

Was Approved on [redacted] - Due Diligence Vendor-02/08/2022

Acknowledged-Exemption found on page 6, condo was [redacted] instead of [redacted] sq ft.

Compensating Factors
[redacted] fico
1.24x DSCR
[redacted]% LTV
Mortgage History.

Was Approved on [redacted] - Due Diligence Vendor-02/08/2022

Compensating Factors [redacted] fico 1.24x DSCR [redacted]% LTV Mortgage History.

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-307

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-308

[redacted]

Closed

FCOM4028

2022-02-08 05:12

2022-02-24 10:05

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/24/2022

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved - Due Diligence Vendor-02/11/2022

Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/08/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-309

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-310

[redacted]

Closed

FCRE2109

2022-02-18 14:50

2022-02-23 15:29

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document provided. Finding resolved. - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Open-Calculation not located in the loan file. - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Resolved-Document provided. Finding resolved. - Due Diligence Vendor-02/23/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-311

[redacted]

Closed

FCRE7756

2022-02-18 15:55

2022-02-25 07:17

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded Credit report - Seller-02/18/2022

Open-Credit Report is Missing Credit report not provided in PDF - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded Credit report - Seller-02/18/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/23/2022

[redacted] - LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-312

[redacted]

Closed

FVAL1039

2022-02-09 14:30

2022-02-16 11:25

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-02/16/2022

Open-Document Uploaded. - Due Diligence Vendor-02/15/2022

Open-AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-02/15/2022

Open-Document Uploaded. AVM/BPO does not support value. - Due Diligence Vendor-02/09/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-02/16/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-313

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-314

[redacted]

Closed

FCRE2109

2022-02-18 15:39

2022-02-23 14:33

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/23/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-315

[redacted]

Closed

FVAL1039

2022-02-09 10:05

2022-02-15 15:40

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-02/15/2022

Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-02/11/2022

Open- AVM does not support value. - 13% Variance - - Due Diligence Vendor-02/09/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-02/15/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-316

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-317

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-318

[redacted]

Closed

FCOM4028

2022-02-08 07:57

2022-02-24 10:05

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/24/2022

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved - Due Diligence Vendor-02/11/2022

Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/08/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-319

[redacted]

Closed

FCOM1207

2022-02-18 10:15

2022-02-23 15:16

Resolved

1 - Information

Compliance

Closing

The Note is Not Executed

Resolved-Signed Note provided. Finding resolved. - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded Executed Note - Seller-02/18/2022

Open-Page 349 - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded Executed Note - Seller-02/18/2022

Resolved-Signed Note provided. Finding resolved. - Due Diligence Vendor-02/23/2022

[redacted] - NOTE.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-319

[redacted]

Closed

FCRE2109

2022-02-18 10:14

2022-02-23 15:15

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document provided. Finding resolved. - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Open-The DSCR calculation is not present. - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Resolved-Document provided. Finding resolved. - Due Diligence Vendor-02/23/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-319

[redacted]

Closed

FCOM9932

2022-02-18 10:14

2022-02-23 15:14

Resolved

1 - Information

Compliance

Missing Doc

Missing Mortgage

Resolved-Mortgage provided. Finding resolved. - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded recorded DOT - Seller-02/18/2022

Open- - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded recorded DOT - Seller-02/18/2022

Resolved-Mortgage provided. Finding resolved. - Due Diligence Vendor-02/23/2022

[redacted] - RECORDED DOT_MORTGAGE.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-319

[redacted]

Closed

FCOM1227

2022-02-18 10:14

2022-02-23 15:14

Resolved

1 - Information

Compliance

Missing Doc

PUD Rider is Missing

Resolved-Rider provided. Finding resolved. - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded recorded DOT. PUD rider included - see page 35-36 of 36. - Seller-02/18/2022

Open-PUD Rider is Missing - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded recorded DOT. PUD rider included - see page 35-36 of 36. - Seller-02/18/2022

Resolved-Rider provided. Finding resolved. - Due Diligence Vendor-02/23/2022

[redacted] - RECORDED DOT_MORTGAGE.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-320

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-321

[redacted]

Closed

FCRE6019

2022-03-28 18:45

2022-03-30 12:16

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/30/2022

Resolved-Received passport - Due Diligence Vendor-03/30/2022

Ready for Review-Document Uploaded. See passport in the file - she is a foreign national
- Seller-03/29/2022

Open-Borrower 1 Citizenship Documentation Is Missing 1003 indicates non citizen - SSN appears to be ITIN as stated on Credit Report warning. - Due Diligence Vendor-02/11/2022

Ready for Review-Document Uploaded. See passport in the file - she is a foreign national
- Seller-03/29/2022

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/30/2022

Resolved-Received passport - Due Diligence Vendor-03/30/2022

[redacted]-PASSPORT (14).pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-321

[redacted]

Closed

FCRE2109

2022-02-18 12:12

2022-02-22 08:11

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-doc provided - Due Diligence Vendor-02/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR Worksheet - Seller-02/18/2022

Open-DSCR Calculation sheet not present - Due Diligence Vendor-02/11/2022

Ready for Review-Document Uploaded. Uploaded DSCR Worksheet - Seller-02/18/2022

Resolved-doc provided - Due Diligence Vendor-02/22/2022

[redacted]-DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-321

[redacted]

Closed

FVAL1039

2022-02-10 10:06

2022-02-15 16:02

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-02/15/2022

Open-AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-02/10/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-02/15/2022

[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-322

[redacted]

Closed

FCOM4028

2022-02-08 04:33

2022-02-24 10:05

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/24/2022

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved - Due Diligence Vendor-02/11/2022

Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/08/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-323

[redacted]

Closed

FCOM1211

2022-04-11 19:24

2022-04-12 09:49

Resolved

1 - Information

Compliance

Closing

Note does Not Indicate Interest Only Terms but Loan Approved as an Interest Only Program

Resolved-corrected Note provided - Due Diligence Vendor-04/12/2022
Ready for Review-Document Uploaded. Uploaded Resigned Doc - Seller-04/12/2022
Open-Note reflects an Interest Only payment but states Interest and Principle are due beginning [redacted]. Does not show IO terms - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded Resigned Doc - Seller-04/12/2022

Resolved-corrected Note provided - Due Diligence Vendor-04/12/2022

[redacted]-[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-323

[redacted]

Closed

FCRE2109

2022-02-18 15:16

2022-02-24 10:42

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Open-DSCR calc missing - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

[redacted]-DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-324

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-325

[redacted]

Closed

FCRE1342

2022-02-11 11:23

2022-05-02 07:29

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Business Bank Statements Missing

Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/14/2022

Rescinded-Borrower 1 Business Bank Statements Missing - Due Diligence Vendor-02/11/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-325

[redacted]

Closed

FCRE7805

2022-03-09 14:05

2022-03-14 15:01

Resolved

1 - Information

Credit

Missing Doc

Missing Income - Bank Statements

Resolved-Documents received clear findings - Due Diligence Vendor-03/14/2022

Ready for Review-Document Uploaded. Uploaded Bank Statement, P & l and DSCR - Seller-03/09/2022

Open-Income documents are missing / Not found in file. - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded Bank Statement, P & l and DSCR - Seller-03/09/2022

Resolved-Documents received clear findings - Due Diligence Vendor-03/14/2022

[redacted]-BUSINESS PROFIT AND LOSS (2).pdf

[redacted]-BUSINESS PROFIT AND LOSS.pdf

[redacted]-BANK STATEMENTS.pdf

[redacted]DTI WORKSHEET.pdf

[redacted]-BANK STATEMENTS (1).pdf

[redacted]-BUSINESS PROFIT AND LOSS (1).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-326

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXX_2022-ATH2-327

[redacted]

Closed

FCRE7756

2022-02-18 10:58

2022-05-04 13:46

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022

Resolved-received - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded credit report for both borrowers. - Seller-02/18/2022

Open-Credit Report is Missing - Due Diligence Vendor-02/10/2022

Ready for Review-Document Uploaded. Uploaded credit report for both borrowers. - Seller-02/18/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022

Resolved-received - Due Diligence Vendor-02/24/2022

[redacted] - LENDER CREDIT REPORT - [redacted].pdf

[redacted] - LENDER CREDIT REPORT - [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-327

[redacted]

Closed

FCRE7347

2022-04-11 16:52

2022-04-12 09:50

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-received - Due Diligence Vendor-04/12/2022

Ready for Review-Document Uploaded. Uploaded Lease and dscr - Seller-04/11/2022

Open-Per DSCR Calc wksht rental amt used is $1600 - 1007 at $1850
- Due Diligence Vendor-02/10/2022

Ready for Review-Document Uploaded. Uploaded Lease and dscr - Seller-04/11/2022

Resolved-received - Due Diligence Vendor-04/12/2022

[redacted]-LEASE AGREEMENT.pdf

[redacted]- DSCR Calc updated.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-327

[redacted]

Closed

FCRE1964

2022-02-18 10:58

2022-02-24 14:25

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-received - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded EIN and LLC formation documents - Seller-02/18/2022

Open-Missing EIN and LLC formation docs
- Due Diligence Vendor-02/10/2022

Ready for Review-Document Uploaded. Uploaded EIN and LLC formation documents - Seller-02/18/2022

Resolved-received - Due Diligence Vendor-02/24/2022

[redacted] - LLC OPERATING AGREREMENT.pdf

[redacted] - CERTIFICATE OF GOOD STANDING.pdf

[redacted] - W9_ EIN.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-328

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-329

[redacted]

Closed

FCRE2109

2022-02-18 14:56

2022-02-24 10:45

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Open- - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

[redacted]-DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-330

[redacted]

Closed

FCRE1241

2022-02-18 13:26

2022-02-24 14:34

Resolved

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved-Purchase contract received. Finding resolved. - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded Purchase Contract - Seller-02/18/2022

Open-Loan is a purchase loan, purchase contract is not provided in the PDF - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded Purchase Contract - Seller-02/18/2022

Resolved-Purchase contract received. Finding resolved. - Due Diligence Vendor-02/24/2022

[redacted]-PURCHASE CONTRACT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-331

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-332

[redacted]

Closed

FVAL1039

2022-02-14 09:09

2022-02-14 14:37

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/14/2022

Open-No AVM in the file - Due Diligence Vendor-02/14/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/14/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-333

[redacted]

Closed

FCRE1158

2022-02-18 11:47

2022-02-24 14:30

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/24/2022

Resolved-received - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded Insurance - Seller-02/18/2022

Open-Hazard Insurance Policy Partially Provided Only invoice provided - Due Diligence Vendor-02/10/2022

Ready for Review-Document Uploaded. Uploaded Insurance - Seller-02/18/2022

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/24/2022

Resolved-received - Due Diligence Vendor-02/24/2022

[redacted]-INSURANCE.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-334

[redacted]

Closed

FCRE7756

2022-02-18 10:22

2022-02-24 13:32

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022

Resolved-Received - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded credit report for both borrowers - Seller-02/18/2022

Open-Credit Report is Missing Credit reports are missing from file for both borrowers - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded credit report for both borrowers - Seller-02/18/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022

Resolved-Received - Due Diligence Vendor-02/24/2022

[redacted] - LENDER CREDIT REPORT - [redacted].pdf
[redacted] - LENDER CREDIT REPORT - [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-335

[redacted]

Closed

FCRE7756

2022-02-18 14:48

2022-02-25 07:17

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded Credit Report - Seller-02/18/2022

Open-Credit Report is Missing - Due Diligence Vendor-02/10/2022

Ready for Review-Document Uploaded. Uploaded Credit Report - Seller-02/18/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/24/2022

[redacted]-LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-336

[redacted]

Closed

FCOM4028

2022-02-08 16:14

2022-02-24 10:05

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/24/2022

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved - Due Diligence Vendor-02/11/2022

Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/08/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-337

[redacted]

Closed

FCRE1444

2022-03-09 14:10

2022-03-09 14:58

Resolved

1 - Information

Credit

Borrower

Credit report incomplete

Resolved-Full Credit Report is Provided - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Upload Credit Report for Co-Borrower - Seller-03/09/2022

Open-Credit Report is Partially Provided Missing initial credit for Lior Mizrahi - Due Diligence Vendor-02/11/2022

Ready for Review-Document Uploaded. Upload Credit Report for Co-Borrower - Seller-03/09/2022

Resolved-Full Credit Report is Provided - Due Diligence Vendor-03/09/2022

[redacted]--LENDER CREDIT REPORT-[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-337

[redacted]

Closed

FCRE7347

2022-02-18 11:56

2022-02-24 09:44

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Copy of lease received. Finding resolved. - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-02/18/2022

Open-tenant occupied and no lease in file - Due Diligence Vendor-02/11/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-02/18/2022

Resolved-Copy of lease received. Finding resolved. - Due Diligence Vendor-02/24/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-338

[redacted]

Closed

FCRE1201

2022-02-10 22:17

2022-05-03 07:19

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/03/2022

Rescinded- - Due Diligence Vendor-02/15/2022

Open-Missing Third Party Fraud Report -- OFAC Report not provided due to missing Credit Report - Due Diligence Vendor-02/11/2022

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/03/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-338

[redacted]

Closed

FCRE7756

2022-02-18 12:45

2022-04-21 16:19

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/22/2022

Resolved-reports received. - Due Diligence Vendor-02/22/2022

Ready for Review-Document Uploaded. Uploaded credit report for both borrowers - Seller-02/18/2022

Open-Credit Report is Missing -- Credit Report not found in loan file for Borrower's - Due Diligence Vendor-02/11/2022

Ready for Review-Document Uploaded. Uploaded credit report for both borrowers - Seller-02/18/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/22/2022

Resolved-reports received. - Due Diligence Vendor-02/22/2022

[redacted] - LENDER CREDIT REPORT - [redacted].pdf
[redacted] - LENDER CREDIT REPORT - [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-338

[redacted]

Closed

FCRE1440

2022-02-10 21:48

2022-04-21 16:19

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/22/2022

Open-Housing History Does Not Meet Guideline Requirements -- 1003 (page 134) did not provide time of residency for both Borrowers. Reviewer unable to locate any other references to lengths at primary residences. - Due Diligence Vendor-02/11/2022

Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-02/11/2022

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/22/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-338

[redacted]

Closed

FCRE7347

2022-04-20 12:51

2022-04-21 16:18

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease received - Due Diligence Vendor-04/21/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/20/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-04/19/2022

Open--- Appraiser (page 47) indicates subject property has Tenant but No Lease or Rental information was provided or included with Loan File. - Due Diligence Vendor-02/11/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/20/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-04/19/2022

Resolved-Lease received - Due Diligence Vendor-04/21/2022

[redacted] - LEASE AGREEMENT.pdf

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-338

[redacted]

Closed

FCRE1167

2022-02-18 14:59

2022-02-24 11:23

Resolved

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided

Resolved-Cost estimator provided and supports coverage amount - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Upladed Replacement Cost Estimator - Seller-02/18/2022

Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of $[redacted] is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided Homeowner's Policy (page 98) with [redacted] Insurance is only evidence of coverage -- full policy not provided with adequate coverage and Cost Replacement estimator. - Due Diligence Vendor-02/11/2022

Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of $[redacted] is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided - Due Diligence Vendor-02/11/2022

Ready for Review-Document Uploaded. Upladed Replacement Cost Estimator - Seller-02/18/2022

Resolved-Cost estimator provided and supports coverage amount - Due Diligence Vendor-02/24/2022

[redacted] - Replacement Cost Estimator.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-339

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-340

[redacted]

Closed

FVAL1039

2022-02-11 07:11

2022-02-16 11:32

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-02/16/2022
Open-Document Uploaded. The AVM value of $[redacted] is more than 10% less than the appraised value of $[redacted].

AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-02/11/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-02/16/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-341

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-342

[redacted]

Closed

finding-3367

2022-02-10 06:11

2022-02-22 09:35

Resolved

1 - Information

Compliance

Disclosure

RESPA Homeownership Counseling Organizations Disclosure Date Test

Resolved-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. app date corrected and resolved issue. - Due Diligence Vendor-02/22/2022

Resolved-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-02/10/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-342

[redacted]

Closed

finding-3631

2022-02-10 06:11

2022-02-22 09:35

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved-Resolved - Due Diligence Vendor-02/22/2022

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/10/2022

Resolved-Resolved - Due Diligence Vendor-02/22/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-342

[redacted]

Closed

finding-3632

2022-02-10 06:11

2022-02-22 09:35

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Resolved-Resolved - Due Diligence Vendor-02/22/2022

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/10/2022

Resolved-Resolved - Due Diligence Vendor-02/22/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-342

[redacted]

Closed

finding-3838

2022-02-10 06:11

2022-02-22 09:35

Resolved

1 - Information

Compliance

ComplianceEase

Written List of Service Providers Disclosure Date Test

Resolved-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( 12 CFR §1026.19(e)(1)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). app date corrected and resolved issue. - Due Diligence Vendor-02/22/2022

Resolved-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( 12 CFR §1026.19(e)(1)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). - Due Diligence Vendor-02/10/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-342

[redacted]

Closed

finding-3634

2022-02-10 06:11

2022-02-22 09:35

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-342

[redacted]

Closed

finding-3635

2022-02-10 06:11

2022-02-22 09:35

Resolved

1 - Information

Compliance

TRID

Charges That In Total Cannot Increase More Than 10% Test

Resolved-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,404.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). app date corrected and resolved issue. - Due Diligence Vendor-02/22/2022

Resolved-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,404.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-02/10/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-342

[redacted]

Closed

finding-3515

2022-02-10 06:11

2022-02-22 09:35

Resolved

1 - Information

Compliance

TRID

Initial Loan Estimate Delivery Date Test (from application)

Resolved-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. app date corrected and resolved issue. - Due Diligence Vendor-02/22/2022

Resolved-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-02/10/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-343

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-344

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-345

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-346

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-347

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-348

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-349

[redacted]

Closed

FCRE1159

2022-02-18 16:03

2022-02-24 11:39

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of [redacted] is prior to or equal to the Note Date of [redacted] Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/24/2022
Resolved-insurance expires after note - Due Diligence Vendor-02/24/2022
Ready for Review-Document Uploaded. Uploaded Hazard insurance policy - effective dates are[redacted] - Seller-02/18/2022
Open-Hazard Insurance Effective Date of [redacted] is after the Note Date of [redacted] - Due Diligence Vendor-02/08/2022

Ready for Review-Document Uploaded. Uploaded Hazard insurance policy - effective dates are[redacted]- Seller-02/18/2022

[redacted] - HAZARD INSURANCE.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-350

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-351

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-352

[redacted]

Closed

FVAL1039

2022-02-09 20:14

2022-02-15 17:09

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Condition AVM clears Finding. - Due Diligence Vendor-02/16/2022

Open-AVM does not support value - Due Diligence Vendor-02/10/2022

Resolved-Condition AVM clears Finding. - Due Diligence Vendor-02/16/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-353

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-354

[redacted]

Closed

FCRE2109

2022-02-18 14:53

2022-02-24 11:35

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Open-DSCR worksheet missing - Due Diligence Vendor-02/10/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

[redacted]-DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-355

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-356

[redacted]

Closed

FCRE2109

2022-03-28 18:51

2022-03-30 12:13

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Received DSCR worksheet - Due Diligence Vendor-03/30/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/29/2022

Open-Missing DSCR Worksheet - Due Diligence Vendor-02/15/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/29/2022

Resolved-Received DSCR worksheet - Due Diligence Vendor-03/30/2022

[redacted]-DSCR form UPDATED.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-356

[redacted]

Closed

FCRE7347

2022-03-28 18:52

2022-03-30 12:12

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease received - Due Diligence Vendor-03/30/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-03/29/2022

Open- - Due Diligence Vendor-02/15/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-03/29/2022

Resolved-Lease received - Due Diligence Vendor-03/30/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-357

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-358

[redacted]

Closed

FCRE1173

2022-02-18 15:07

2022-02-24 13:20

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded Insurance - Seller-02/18/2022

Open-Missing HO-6 Master Insurance Policy Missing Master Policy - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded Insurance - Seller-02/18/2022

Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-02/24/2022

[redacted]-Ind. INSURANCE.pdf

[redacted]-Master Insurance.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-358

[redacted]

Closed

FVAL1039

2022-02-09 07:53

2022-02-14 13:09

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/14/2022

Open-AVM needed - Due Diligence Vendor-02/09/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/14/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-359

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-360

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-361

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-362

[redacted]

Closed

FCRE2109

2022-02-18 13:22

2022-02-24 14:36

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/18/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/24/2022

[redacted]-DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-363

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-364

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-365

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-366

[redacted]

Closed

FVAL1039

2022-02-11 08:12

2022-02-11 11:20

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/11/2022

Open-AVM is lower than the 10% variance - Due Diligence Vendor-02/11/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/11/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-367

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-368

[redacted]

Closed

FCRE1241

2022-02-18 13:18

2022-02-23 15:27

Resolved

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved-Document provided. Finding resolved. - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded Purchase Contract - Seller-02/18/2022

Open-Purchase contract not in file. - Due Diligence Vendor-02/10/2022

Ready for Review-Document Uploaded. Uploaded Purchase Contract - Seller-02/18/2022

Resolved-Document provided. Finding resolved. - Due Diligence Vendor-02/23/2022

[redacted]-PURCHASE CONTRACT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-368

[redacted]

Closed

FCRE7756

2022-02-18 13:17

2022-02-23 15:27

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded Credit Report - Seller-02/18/2022

Open-Credit Report is Missing Qualifying credit report not provided - Due Diligence Vendor-02/10/2022

Ready for Review-Document Uploaded. Uploaded Credit Report - Seller-02/18/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/23/2022

[redacted]-LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-368

[redacted]

Closed

FCRE1157

2022-02-18 13:17

2022-02-23 15:26

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded Insurance - Seller-02/18/2022

Open-Missing Hazard Insurance Policy Insurance binder not provided. Invoice on page 131 - Due Diligence Vendor-02/10/2022

Ready for Review-Document Uploaded. Uploaded Insurance - Seller-02/18/2022

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/23/2022

[redacted]-HAZARD INSURANCE.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-368

[redacted]

Closed

FVAL1039

2022-02-09 22:03

2022-02-15 12:27

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/15/2022

Open-AVM does not support value - confidence score or 50 - Due Diligence Vendor-02/10/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/15/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-369

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-370

[redacted]

Closed

FCRE1173

2022-03-09 16:17

2022-03-14 11:16

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-Document received and clears finding - Due Diligence Vendor-03/14/2022
Ready for Review-Document Uploaded. Uploaded Master Insurance Policy - Seller-03/09/2022
Counter-Comments indicate the Master policy is missing, not the HO6.  Please provide master insurance policy for building and project.  - Due Diligence Vendor-03/04/2022
Ready for Review-Document Uploaded. Uploaded HO insurance  - Seller-03/02/2022
Open-Missing HO-6 Master Insurance Policy -- Condo Master Policy for subject property was not found.  Need Master policy and proof of coverage for subject property showing certificate holders [redacted] and Mortgagee [redacted] [redacted] - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded Master Insurance Policy - Seller-03/09/2022

Ready for Review-Document Uploaded. Uploaded HO insurance - Seller-03/02/2022

Resolved-Document received and clears finding - Due Diligence Vendor-03/14/2022

[redacted]-Declaration Pages [redacted] Unit [redacted].pdf
[redacted] - Master Policy.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-370

[redacted]

Closed

FCRE1174

2022-02-08 18:02

2022-03-04 07:51

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Partial

Resolved-policy provided - Due Diligence Vendor-03/04/2022
Open--- HO6 Condo Unit - Owners Coverage (page 86) is a submission of premium estimate only -- no coverage is bound or provided by the document. Need to obtain policy with proof of coverage in name of [redacted] - Due Diligence Vendor-02/09/2022

Resolved-policy provided - Due Diligence Vendor-03/04/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-370

[redacted]

Closed

FCRE1161

2022-02-18 09:07

2022-02-24 09:25

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood cert provided. Finding resolved. - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded Flood Cert - Seller-02/18/2022

Open-Missing Flood Certificate -- Flood Cert was not found, pulled minimal Flood Zone info from the Appraisal, page 58 - Due Diligence Vendor-02/09/2022

Open-Missing Flood Certificate - Due Diligence Vendor-02/09/2022

Ready for Review-Document Uploaded. Uploaded Flood Cert - Seller-02/18/2022

Resolved-Flood cert provided. Finding resolved. - Due Diligence Vendor-02/24/2022

[redacted] - FLOOD CERTIFICATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-370

[redacted]

Closed

FVAL1039

2022-02-08 18:39

2022-02-12 10:50

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/12/2022

Open-- AVM Value is 50% more than the Appraised Value, but the confidence score is only 50 and, therefore, below the Guideline minimum. - Due Diligence Vendor-02/09/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/12/2022

[redacted]_[redacted]_[redacted]_2.7.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-371

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-372

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXX_2022-ATH2-373

[redacted]

Closed

FCRE2109

2022-02-25 16:35

2022-02-28 08:27

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Received DSCR - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/25/2022

Open-missing DSCR worksheet - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/25/2022

Resolved-Received DSCR - Due Diligence Vendor-02/28/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-374

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-375

[redacted]

Closed

FCOM3910

2022-02-23 14:58

2022-02-24 13:59

Resolved

1 - Information

Compliance

Disclosure

Other Compliance Finding

Resolved- - Due Diligence Vendor-02/24/2022
Open-Closing disclosure provide electronic delivery for CD dated [redacted] - to show delivered [redacted]. - Due Diligence Vendor-02/23/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-375

[redacted]

Closed

finding-3536

2022-02-23 07:38

2022-02-23 15:09

Resolved

1 - Information

Compliance

TRID

Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test

Resolved-This loan failed the initial closing disclosure delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i) )The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). - Due Diligence Vendor-02/23/2022

Resolved-This loan failed the initial closing disclosure delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i) )The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). COC in file and fees align with the 10/29 CD - Due Diligence Vendor-02/23/2022

Open-This loan failed the initial closing disclosure delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i) )The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). CD dated [redacted], pg. 59 shows disclosed on [redacted] but signature/ consummation was [redacted]. - Due Diligence Vendor-02/23/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-375

[redacted]

Closed

finding-3634

2022-02-23 07:38

2022-02-23 15:09

Resolved

2 - Non-Material

Compliance

TRID

Charges That Cannot Increase Test

Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,620.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/23/2022

Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,620.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). COC in file and fees align with the [redacted] CD - Due Diligence Vendor-02/23/2022

Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,620.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Rate was bought down .75pts and LA increased - COC in file pg. 2 - Due Diligence Vendor-02/23/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-375

[redacted]

Closed

finding-3888

2022-02-23 07:38

2022-02-23 15:07

Resolved

2 - Non-Material

Compliance

ComplianceEase

Qualified Mortgage APR Threshold Test

Resolved-This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to [redacted]), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) does not exceed the APOR on the date the rate was set plus 2.25%; orThe note amount for a first lien on a manufactured home is less than [redacted]), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) does not exceed the APOR on the date the rate was set plus [redacted] orThe note amount for a first lien a non-manufactured home is less than ($[redacted]) but greater than or equal to [redacted]), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) does not exceed the APOR on the date the rate was set plus [redacted] orThe note amount for a second lien is greater than or equal to [redacted]), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) does not exceed the APOR on the date the rate was set plus [redacted] orThe note amount on a first lien a non-manufactured home or a second lien is less than [redacted]), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) does not exceed the APOR on the date the rate was set plus [redacted] - Due Diligence Vendor-02/23/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-375

[redacted]

Closed

finding-3891

2022-02-23 07:38

2022-02-23 15:07

Resolved

2 - Non-Material

Compliance

ComplianceEase

GSE (Freddie Mac public guidelines) QM APR Test

Resolved-This loan failed the QM APR test. ( Freddie Mac Bulletin 2021-13 )The loan exceeds the APR threshold as set forth under the revised qualified mortgage (QM) rule. All loans subject to the revised QM rule are ineligible for sale to Freddie Mac unless the loan meets the general QM definition under the revised QM rule. - Due Diligence Vendor-02/23/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-375

[redacted]

Closed

finding-3890

2022-02-23 07:38

2022-02-23 15:07

Resolved

2 - Non-Material

Compliance

ComplianceEase

GSE (Fannie Mae public guidelines) QM APR Test

Resolved-This loan failed the QM APR test. ( Fannie Mae Lender Letter 2021-11 )The loan exceeds the APR threshold as set forth under the revised qualified mortgage (QM) rule. All loans subject to the revised QM rule are ineligible for sale to Fannie Mae unless the loan meets the general QM definition under the revised QM rule. - Due Diligence Vendor-02/23/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-375

[redacted]

Closed

finding-3612

2022-02-23 14:57

2022-02-23 15:03

Resolved

1 - Information

Compliance

TRID

TRID Initial Closing Disclosure Date and Date Creditor Received Application Validation Test

Resolved-Resolved - Due Diligence Vendor-02/23/2022

Open-This loan failed the TRID initial closing disclosure date and date creditor received application validation test.This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is before the date creditor received the application. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-02/23/2022

Resolved-Resolved - Due Diligence Vendor-02/23/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-375

[redacted]

Closed

finding-3631

2022-02-23 07:38

2022-02-23 14:57

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved-Resolved - Due Diligence Vendor-02/23/2022

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/23/2022

Resolved-Resolved - Due Diligence Vendor-02/23/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-375

[redacted]

Closed

finding-3632

2022-02-23 07:38

2022-02-23 14:57

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Resolved-Resolved - Due Diligence Vendor-02/23/2022

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/23/2022

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/23/2022

Resolved-Resolved - Due Diligence Vendor-02/23/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-376

[redacted]

Closed

FVAL1039

2022-02-21 10:11

2022-02-24 16:14

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/24/2022

Open-Missing an AVM - Due Diligence Vendor-02/21/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/24/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-377

[redacted]

Closed

FVAL1039

2022-02-24 14:26

2022-02-25 16:29

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/25/2022

Open-AVM not hit, bpo ordered - Due Diligence Vendor-02/24/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/25/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-378

[redacted]

Closed

FVAL1039

2022-02-21 16:36

2022-02-24 16:11

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/24/2022

Open-AVM is 52% lower than the appraised value. - Due Diligence Vendor-02/21/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/24/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-378

[redacted]

Closed

FPRO1245

2022-02-21 16:48

2022-02-23 13:05

Waived

2 - Non-Material

Property

Appraisal

Appraisal is Expired

Open-Appraisal is 90 days old on [redacted]. Closed [redacted]. - Due Diligence Vendor-02/21/2022

[redacted] FICO / [redacted]% LTV
Refinancing to a 30-year fixed with a lower interest rate
Exception on page 6

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-379

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-380

[redacted]

Closed

FCRE2109

2022-02-28 09:06

2022-02-28 11:17

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/28/2022

Open- - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/28/2022

Resolved-received - Due Diligence Vendor-02/28/2022

Missing DSCR worksheet

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-381

[redacted]

Closed

FCRE2109

2022-02-28 08:46

2022-02-28 11:24

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/28/2022

Open-No DSCR Calculation sheet in file - Due Diligence Vendor-02/21/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/28/2022

Resolved-received - Due Diligence Vendor-02/28/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-382

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-383

[redacted]

Closed

FCRE2109

2022-02-28 10:19

2022-03-01 07:33

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-03/01/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/28/2022

Open-Lender Income Calculation Worksheet is missing in the file. - Due Diligence Vendor-02/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/28/2022

Resolved-received - Due Diligence Vendor-03/01/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-383

[redacted]

Closed

FVAL1039

2022-02-23 06:52

2022-02-25 13:16

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/25/2022

Open- - Due Diligence Vendor-02/23/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/25/2022

AVM does not support value - 19.19% below appraised value

[redacted]_[redacted]_[redacted]_2.18.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-384

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-385

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-386

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-387

[redacted]

Closed

FVAL1039

2022-02-23 05:57

2022-02-25 10:54

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/25/2022

Open-Confidence score is below 70% - Due Diligence Vendor-02/23/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/25/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-388

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-389

[redacted]

Closed

FCRE7756

2022-02-25 16:33

2022-02-28 12:23

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/28/2022

Resolved-received - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-02/25/2022

Open-Credit Report is Missing - Due Diligence Vendor-02/21/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-02/25/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/28/2022

Resolved-received - Due Diligence Vendor-02/28/2022

[redacted] - LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-389

[redacted]

Closed

FCRE1241

2022-02-25 16:33

2022-02-28 12:20

Resolved

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved- - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded Purchase Contract - Seller-02/25/2022

Open- - Due Diligence Vendor-02/21/2022

Ready for Review-Document Uploaded. Uploaded Purchase Contract - Seller-02/25/2022

[redacted] - PURCHASE CONTRACT 2.pdf

[redacted] - PURCHASE CONTRACT 1.pdf

[redacted] - ADDENDUM TO CONTRACT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-390

[redacted]

Closed

FCRE2109

2022-02-25 16:57

2022-02-28 11:47

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/25/2022

Open-Missing DSCR calculation sheet. - Due Diligence Vendor-02/21/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/25/2022

Resolved-received - Due Diligence Vendor-02/28/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-390

[redacted]

Closed

FVAL1039

2022-02-24 13:57

2022-02-25 13:12

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/25/2022

Open-Appraisal value not supported. The value between the appraisal and the avm is greater than 10%. - Due Diligence Vendor-02/24/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/25/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-391

[redacted]

Closed

FCRE1492

2022-02-20 08:42

2022-02-23 15:12

Waived

2 - Non-Material

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Acknowledged-Cash Out Does Not Meet Guideline Requirements Page six has Lender Management Exception to permit cash out over $[redacted]. Total $[redacted].

Comp Factors provided - "FN with credit score of [redacted] (blended), [redacted]%LTV,owned property in [redacted] since 2009." - Due Diligence Vendor-02/20/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-392

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-393

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-394

[redacted]

Closed

FCRE7347

2022-02-28 10:11

2022-03-01 07:35

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-received - Due Diligence Vendor-03/01/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-02/28/2022

Open-Lease agreement is missing in the file - Due Diligence Vendor-02/22/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-02/28/2022

Resolved-received - Due Diligence Vendor-03/01/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-395

[redacted]

Closed

FVAL1039

2022-02-23 13:44

2022-03-08 12:48

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-03/08/2022

Open-AVM does not support value, Ordered BPO.
- Due Diligence Vendor-02/23/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-03/08/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-396

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-397

[redacted]

Closed

FCRE2109

2022-02-25 16:25

2022-03-01 07:37

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-03/01/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/25/2022

Open-missing DSCR calculation sheet - Due Diligence Vendor-02/21/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/25/2022

Resolved-received - Due Diligence Vendor-03/01/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-397

[redacted]

Closed

FVAL1039

2022-02-21 12:05

2022-02-28 13:14

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/28/2022

Open-AVM in file reflects a Confidence Score of 50 - Due Diligence Vendor-02/21/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/28/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-397

[redacted]

Closed

FPRO1245

2022-02-21 12:07

Waived

2 - Non-Material

Property

Appraisal

Appraisal is Expired

Waived-Lender Granted Exception for Appraisal that expired 2/02/2022

See page 4 - Due Diligence Vendor-02/21/2022

6 Months LCR

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-398

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-399

[redacted]

Closed

FVAL1039

2022-02-23 13:53

2022-02-28 15:44

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-02/28/2022

Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-02/25/2022

Open-AVM does not support value, Ordered BPO.

- Due Diligence Vendor-02/23/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-02/28/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-400

[redacted]

Closed

FVAL1039

2022-02-20 16:36

2022-03-01 13:07

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/01/2022
Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-02/25/2022
Open-Appraised value of $[redacted] dtd [redacted]1 and subsequent Completion of Construction Form 1007D (pages 427, 418) has a 34% variance to AVM dtd [redacted] for $[redacted] (page 1). - Due Diligence Vendor-02/20/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/01/2022

535[redacted]_[redacted]_[redacted]_2.18.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-401

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-402

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-403

[redacted]

Closed

FVAL1039

2022-02-23 06:16

2022-02-24 16:06

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/24/2022

Open-Confidence Score is below 70 i.e 66 - Due Diligence Vendor-02/23/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/24/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-404

[redacted]

Closed

finding-3631

2022-03-16 14:08

2022-03-17 13:45

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Ready for Review-Document Uploaded. The loan amount increased from [redacted] and the rate increased to [redacted]% as a result of the LTV change which was disclosed on the initial CD issued on [redacted]. On [redacted] a revised CD was issued to increase the loan amount to [redacted] & the rate decreased to [redacted] due to the borrowers fico score increasing & buying the rate @ a 1 point cost. The Broker Origination increased accordingly with the loan amount increases. Please see the initial LE, CD & revised CD. - Seller-03/16/2022

Resolved- Proof app date [redacted] received - Due Diligence Vendor-03/17/2022

[redacted] - Executed Revised CD.pdf

[redacted] - Executed Initial Disclosures including LE.pdf

[redacted] - Executed Initial CD.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-404

[redacted]

Closed

finding-3632

2022-03-16 14:10

2022-03-17 13:45

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Resolved- Proof app date [redacted] received - Due Diligence Vendor-03/17/2022

Ready for Review-Document Uploaded. The loan amount increased from [redacted] and the rate increased to [redacted]% as a result of the LTV change which was disclosed on the initial CD issued on [redacted]. On [redacted] a revised CD was issued to increase the loan amount to [redacted] & the rate decreased to [redacted] due to the borrowers fico score increasing & buying the rate @ a 1 point cost. The Broker Origination increased accordingly with the loan amount increases. Please see the initial LE, CD & revised CD. - Seller-03/16/2022

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. The loan amount increased from [redacted] and the rate increased to [redacted]% as a result of the LTV change which was disclosed on the initial CD issued on [redacted]. On [redacted] a revised CD was issued to increase the loan amount to [redacted] & the rate decreased to [redacted]% due to the borrowers fico score increasing & buying the rate @ a 1 point cost. The Broker Origination increased accordingly with the loan amount increases. Please see the initial LE, CD & revised CD. - Seller-03/16/2022

Resolved- Proof app date [redacted] received - Due Diligence Vendor-03/17/2022

[redacted] - Executed Initial Disclosures including LE.pdf

[redacted] - Executed Initial CD.pdf

[redacted] - Executed Revised CD.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-404

[redacted]

Closed

finding-3634

2022-03-16 14:12

2022-03-17 13:45

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved- Proof app date [redacted] received - Due Diligence Vendor-03/17/2022

Ready for Review-Document Uploaded. The loan amount increased from [redacted] and the rate increased to [redacted] as a result of the LTV change which was disclosed on the initial CD issued on [redacted]. On [redacted] a revised CD was issued to increase the loan amount to [redacted] & the rate decreased to [redacted]% due to the borrowers fico score increasing & buying the rate @ a 1 point cost. The Broker Origination increased accordingly with the loan amount increases. Please see the initial LE, CD & revised CD. - Seller-03/16/2022

Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $24,494.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. The loan amount increased from [redacted] and the rate increased to [redacted]% as a result of the LTV change which was disclosed on the initial CD issued on [redacted]. On [redacted] a revised CD was issued to increase the loan amount to [redacted] & the rate decreased to [redacted]% due to the borrowers fico score increasing & buying the rate @ a 1 point cost. The Broker Origination increased accordingly with the loan amount increases. Please see the initial LE, CD & revised CD. - Seller-03/16/2022

Resolved- Proof app date [redacted] received - Due Diligence Vendor-03/17/2022

[redacted] - Executed Initial Disclosures including LE.pdf

[redacted] - Executed Initial CD.pdf

[redacted] - Executed Revised CD.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-404

[redacted]

Closed

finding-3838

2022-03-16 14:14

2022-03-17 13:45

Resolved

1 - Information

Compliance

ComplianceEase

Written List of Service Providers Disclosure Date Test

Resolved- received - Due Diligence Vendor-03/17/2022

Ready for Review-Document Uploaded. This application (see 1003 uploaded) was received by [redacted] on 12/7/21 and the initial disclosures including the Written List of Providers were provided timely on 12/10/21 as evidenced of the proof of delivery (see pages 28-29), see the WLP on pages 23-24 of the Executed Initial Disclosures. - Seller-03/16/2022

Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( 12 CFR §1026.19(e)(1)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. This application (see 1003 uploaded) was received by [redacted] on [redacted] and the initial disclosures including the Written List of Providers were provided timely on [redacted] as evidenced of the proof of delivery (see pages 28-29), see the WLP on pages 23-24 of the Executed Initial Disclosures. - Seller-03/16/2022

Resolved- received - Due Diligence Vendor-03/17/2022

[redacted] - 1003.pdf

[redacted] - Executed Initial Disclosures including LE.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-404

[redacted]

Closed

finding-3635

2022-03-16 14:16

2022-03-17 13:45

Resolved

1 - Information

Compliance

TRID

Charges That In Total Cannot Increase More Than 10% Test

Resolved- Proof app date 12/10 received - Due Diligence Vendor-03/17/2022

Ready for Review-Document Uploaded. This application (see 1003 uploaded) was received by [redacted] on [redacted] and the initial disclosures including the Loan Estimate were provided timely on [redacted] as evidenced of the proof of delivery (see pages 28-29). Please utilize this for the good faith analysis. - Seller-03/16/2022

Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,869.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. This application (see 1003 uploaded) was received by [redacted] on [redacted] and the initial disclosures including the Loan Estimate were provided timely on [redacted] as evidenced of the proof of delivery (see pages 28-29). Please utilize this for the good faith analysis. - Seller-03/16/2022

Resolved- Proof app date [redacted] received - Due Diligence Vendor-03/17/2022

[redacted] - Executed Initial Disclosures including LE.pdf

[redacted] - 1003.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-404

[redacted]

Closed

finding-3515

2022-03-16 14:17

2022-03-17 13:45

Resolved

1 - Information

Compliance

TRID

Initial Loan Estimate Delivery Date Test (from application)

Resolved- Proof app date 12/10 received - Due Diligence Vendor-03/17/2022

Ready for Review-Document Uploaded. This application (see 1003 uploaded) was received by [redacted] on 12/7/21 and the initial disclosures including the Written List of Providers were provided timely on 12/10/21 as evidenced of the proof of delivery (see pages 28-29), see the WLP on pages 23-24 of the Executed Initial Disclosures. - Seller-03/16/2022

Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-02/28/2022

Resolved- Proof app date [redacted] received - Due Diligence Vendor-03/17/2022

[redacted] - Executed Initial Disclosures including LE.pdf

[redacted] - 1003.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-404

[redacted]

Closed

FCOM1252

2022-03-16 14:06

2022-03-17 13:39

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-received - Due Diligence Vendor-03/17/2022
Ready for Review-Document Uploaded. Please see the URLA/1003 & initial disclosures pkg which includes the Loan Estimate (pages 14-16) & proof of delivery (pages 28-29). - Seller-03/16/2022
Counter-LE provided appears to be a revised LE. Initial 1003 was not provided so borrower authorization form dated [redacted] was used for the initial app date. LE provided is dated [redacted] and is causing multiple compliance issues. - Due Diligence Vendor-02/28/2022
Ready for Review-Document Uploaded. Uploaded Initial LE - Seller-02/28/2022
Open-Initial Loan Estimate is missing - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Please see the URLA/1003 & initial disclosures pkg which includes the Loan Estimate (pages 14-16) & proof of delivery (pages 28-29). - Seller-03/16/2022

Ready for Review-Document Uploaded. Uploaded Initial LE - Seller-02/28/2022

Resolved-received - Due Diligence Vendor-03/17/2022

[redacted] - Loan Estimate.pdf

[redacted] - 1003.pdf

[redacted] - Executed Initial Disclosures including LE.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-404

[redacted]

Closed

FVAL1039

2022-02-22 08:03

2022-03-02 09:20

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/02/2022

Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-02/25/2022

Open-AVM VALUE IS 29.70% less than the appraised value - Due Diligence Vendor-02/22/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/02/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf
[redacted].pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-404

[redacted]

Closed

FCOM1797

2022-02-28 10:52

2022-03-01 07:54

Resolved

1 - Information

Compliance

Missing Doc

Missing Service Provider List

Resolved-SPL provided. Finding resolved. - Due Diligence Vendor-03/01/2022

Ready for Review-Document Uploaded. Uploaded SSPL - Seller-02/28/2022

Open- - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded SSPL - Seller-02/28/2022

Resolved-SPL provided. Finding resolved. - Due Diligence Vendor-03/01/2022

[redacted] - Settlement Services Provider List.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-405

[redacted]

Closed

finding-3624

2022-02-28 14:45

2022-02-28 14:48

Resolved

1 - Information

Compliance

TRID

TRID "Section A. Origination Charges" Validation Test

Resolved-Resolved - Due Diligence Vendor-02/28/2022

Open-This loan failed the TRID "Section A. Origination Charges" validation test.This loan contains a fee or fees where "compensation to" is set to a party other than lender or broker, but this fee or fees should not be retained by any party other than the lender or broker."Section A. Origination Charges" should contain an itemization of each amount, and a subtotal of all such amounts, that the consumer will pay to each creditor and loan originator for originating and extending the credit. - Due Diligence Vendor-02/28/2022

Resolved-Resolved - Due Diligence Vendor-02/28/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-405

[redacted]

Closed

FCOM1080

2022-02-28 11:25

2022-02-28 12:54

Resolved

1 - Information

Compliance

TRID

Service provider list not provided within 3 days of application

Resolved-received - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded SSPL - Seller-02/28/2022

Open- - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded SSPL - Seller-02/28/2022

Resolved-received - Due Diligence Vendor-02/28/2022

[redacted] - SSPL.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-405

[redacted]

Closed

FCOM8227

2022-02-28 11:25

2022-02-28 12:53

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved- - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded initial LE - Seller-02/28/2022

Open-There is no Loan estimate in the file - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded initial LE - Seller-02/28/2022

[redacted] - Initial Loan Estimate.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-406

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-407

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-408

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-409

[redacted]

Closed

FVAL1039

2022-02-23 12:10

2022-03-02 09:25

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/02/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-409

[redacted]

Closed

FCRE1161

2022-02-28 10:40

2022-02-28 12:32

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded flood cert. - Seller-02/28/2022

Open-Missing Flood Certificate - Due Diligence Vendor-02/22/2022

Ready for Review-Document Uploaded. Uploaded flood cert. - Seller-02/28/2022

Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/28/2022

[redacted] - FLOOD CERTIFICATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-410

[redacted]

Closed

FVAL1039

2022-02-21 15:11

2022-03-07 09:41

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/07/2022

Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-03/01/2022

Open-no AVM in file - Due Diligence Vendor-02/21/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/07/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-410

[redacted]

Closed

FCRE3931

2022-02-23 09:16

2022-02-23 09:25

Waived

2 - Non-Material

Credit

Eligibility

Other Credit Finding 1

Waived-"4 Months out o 5 MTG with forbearance. We need 75% for 4 new complete construction purchases.
EXCEPTION granted subject to the Mtgs that were in forbearance he must prove that the 3 payments before forbearance were paid on time and the 3 or more payments after forbearance were also paid on time. Down must be sourced and seasoned for 60 days. 50 bps add to [redacted]% ltv rate and all other add on that his particular loan request have for expectation."
Found on Page 5 of loan summary - Due Diligence Vendor-02/23/2022

Waived-"4 Months out o 5 MTG with forbearance. We need [redacted]% for 4 new complete construction purchases.
EXCEPTION granted subject to the Mtgs that were in forbearance he must prove that the 3 payments before forbearance were paid on time and the 3 or more payments after forbearance were also paid on time. Down must be sourced and seasoned for 60 days. 50 bps add to [redacted]% ltv rate and all other add on that his particular loan request have for expectation."
Found on Page 5 of loan summary - Due Diligence Vendor-02/23/2022

"370K in 1031, 85K in cash, Trad IRA $54K, Roth IRA $241K, 401K $315K, [redacted]: $30K, [redacted] $5K These are new builds and will be section 8, the fair market rent is 3K/mth ans section 8 around 3.5k/mth. He will obtain the vouchers once he owns the properties."

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-411

[redacted]

Closed

FVAL1039

2022-02-21 13:50

2022-03-02 09:28

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/02/2022

Open-BPO did not support value. ordered Desk Review - Due Diligence Vendor-02/28/2022

Open-Document Uploaded. AVM does not support value, Ordered BPO.
- Due Diligence Vendor-02/25/2022

Open-AVM needed - Due Diligence Vendor-02/21/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/02/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-411

[redacted]

Closed

FCRE1194

2022-02-21 13:50

2022-02-23 14:26

Waived

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Lender Granted Exception for the mortgages that were in forbearance

See page 6 of loan file.

- Due Diligence Vendor-02/21/2022

No compensating factors listed

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-412

[redacted]

Closed

FVAL1039

2022-02-23 13:50

2022-02-25 10:49

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/25/2022

Open-BPO on order
- Due Diligence Vendor-02/23/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/25/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-413

[redacted]

Closed

FVAL1039

2022-02-21 10:06

2022-02-25 10:39

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/25/2022

Open-AVM missing - Due Diligence Vendor-02/21/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/25/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-413

[redacted]

Closed

FCRE3931

2022-02-23 09:20

2022-02-23 09:21

Waived

2 - Non-Material

Credit

Eligibility

Other Credit Finding 1

Waived-"4 Months out o 5 MTG with forbearance. We need [redacted]% for 4 new complete construction purchases.
EXCEPTION granted subject to the Mtgs that were in forbearance he must prove that the 3 payments before forbearance were paid on time and the 3 or more payments after forbearance were also paid on time. Down must be sourced and seasoned for 60 days. 50 bps add to [redacted]% ltv rate and all other add on that his particular loan request have for expectation."
Found on Loan summary page 5 - Due Diligence Vendor-02/23/2022

370K in 1031, 85K in cash, Trad IRA $54K, Roth IRA $241K, 401K $315K, [redacted]: $30K, [redacted] $5K These are new builds and will be section 8, the fair market rent is 3K/mth and section 8 around 3.5k/mth. He will obtain the vouchers once he owns the properties

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-414

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-415

[redacted]

Closed

FCOM3571

2022-02-28 09:30

2022-02-28 10:43

Resolved

1 - Information

Compliance

Closing

HUD-1 not executed properly

Resolved-received hud and is executed - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded final HUD - Seller-02/28/2022

Open-HUD missing seller signature - Due Diligence Vendor-02/21/2022

Ready for Review-Document Uploaded. Uploaded final HUD - Seller-02/28/2022

Resolved-received hud and is executed - Due Diligence Vendor-02/28/2022

[redacted] - FINAL CLOSING STATEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-415

[redacted]

Closed

FCRE6843

2022-02-28 09:31

2022-02-28 10:40

Resolved

1 - Information

Credit

Assets

Asset General

Resolved- - Due Diligence Vendor-02/28/2022
Ready for Review-updated account from [redacted] received and updated balance supports sufficient assets - Due Diligence Vendor-02/28/2022
Ready for Review-Document Uploaded. Uploaded Assets. - Seller-02/28/2022
Open-Short assets- needs $70093 only has $63457 verified - Due Diligence Vendor-02/21/2022

Ready for Review-updated account from [redacted] received and updated balance supports sufficient assets - Due Diligence Vendor-02/28/2022
Ready for Review-Document Uploaded. Uploaded Assets. - Seller-02/28/2022

[redacted] - BANK STATEMENTS [redacted] #[redacted] 2.04.2022.pdf
[redacted] - BANK STATEMENTS [redacted] #[redacted] 1.31.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-416

[redacted]

Closed

FCRE7756

2022-02-28 08:39

2022-02-28 11:45

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/28/2022

Resolved- - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded Credit Report - Seller-02/28/2022

Open-Credit Report is Missing borrower credit report not in file. borrower is US Citizen - Due Diligence Vendor-02/21/2022

Ready for Review-Document Uploaded. Uploaded Credit Report - Seller-02/28/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/28/2022

[redacted] - Credit Report.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-416

[redacted]

Closed

FCOM8804

2022-02-28 08:35

2022-02-28 11:38

Resolved

1 - Information

Compliance

Missing Doc

Missing Loan program disclosure

Resolved-received - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded Business purpose of Loan Cert - Seller-02/28/2022

Open-Borrower signed Business Purpose affidavit is missing. Note: No signed disclosures from closing were received in file. - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded Business purpose of Loan Cert - Seller-02/28/2022

Resolved-received - Due Diligence Vendor-02/28/2022

[redacted] - Business Purpose of Loan Certification.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-416

[redacted]

Closed

FCRE7347

2022-02-28 08:35

2022-02-28 11:37

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-received - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded lease agreement - Seller-02/28/2022

Open-appr states tenant and no lease in file - Due Diligence Vendor-02/21/2022

Ready for Review-Document Uploaded. Uploaded lease agreement - Seller-02/28/2022

Resolved-received - Due Diligence Vendor-02/28/2022

[redacted] - Lease Agreement.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-417

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-418

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-419

[redacted]

Closed

FCRE2109

2022-02-28 09:10

2022-02-28 11:01

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/28/2022

Open-Missing DSCR calculation worksheet. - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/28/2022

Resolved-received - Due Diligence Vendor-02/28/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-419

[redacted]

Closed

FVAL1039

2022-02-23 16:52

2022-02-25 12:56

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/25/2022

Open-Appraisal value not supported. The avm confidence score is below 70%. - Due Diligence Vendor-02/23/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/25/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-420

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Second Home

Purchase

XXXXXXX_2022-ATH2-421

[redacted]

Closed

FVAL1039

2022-02-23 09:08

2022-03-01 13:11

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/01/2022

Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-02/25/2022

Open- AVM does not support value - 11.79% below appraised value - Due Diligence Vendor-02/23/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/01/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-422

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-423

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-424

[redacted]

Closed

FVAL1039

2022-02-22 07:26

2022-02-25 12:53

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/25/2022

Open-AVM DOCUMENT IS MISSING. - Due Diligence Vendor-02/22/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/25/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-425

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-426

[redacted]

Closed

FCRE2109

2022-02-28 10:02

2022-02-28 12:34

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/28/2022

Open- - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/28/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/28/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-427

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-428

[redacted]

Closed

FCRE2109

2022-02-28 09:36

2022-02-28 10:35

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/28/2022

Open-Missing DSCR calculation sheet - Due Diligence Vendor-02/21/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/28/2022

Resolved-received - Due Diligence Vendor-02/28/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-429

[redacted]

Closed

FVAL1039

2022-02-23 13:51

2022-03-01 09:57

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-03/01/2022

Open-BPO on order
- Due Diligence Vendor-02/23/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-03/01/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-430

[redacted]

Closed

FVAL1039

2022-02-23 12:59

2022-02-28 10:17

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. - Due Diligence Vendor-02/28/2022

Resolved-BPO supports original appraisal
- Due Diligence Vendor-02/28/2022

Open-AVM Appraised value is unsupported , BPO on order

Confidence score 50. RV
- Due Diligence Vendor-02/23/2022

Resolved-Document Uploaded. - Due Diligence Vendor-02/28/2022

Resolved-BPO supports original appraisal
- Due Diligence Vendor-02/28/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-431

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-432

[redacted]

Closed

FCRE2109

2022-02-28 09:59

2022-02-28 12:37

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/28/2022

Open-missing DSCR calculation sheet - Due Diligence Vendor-02/20/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/28/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-02/28/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-432

[redacted]

Closed

FVAL1039

2022-02-20 14:32

2022-02-25 10:44

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/25/2022
Open-The AVM reflects a value of $[redacted] and a confidence score of 50. Appraised value is $[redacted]. - Due Diligence Vendor-02/20/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/25/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-433

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-434

[redacted]

Closed

FCRE1241

2022-02-28 09:56

2022-02-28 10:08

Resolved

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved-contract received - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded Purchase contract - Seller-02/28/2022

Open- - Due Diligence Vendor-02/22/2022

Ready for Review-Document Uploaded. Uploaded Purchase contract - Seller-02/28/2022

Resolved-contract received - Due Diligence Vendor-02/28/2022

[redacted] PURCHASE CONTRACT.pdf

[redacted] - ADDENDUM TO CONTRACT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-435

[redacted]

Closed

FCRE2109

2022-03-01 15:32

2022-03-04 12:34

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-03/04/2022

Ready for Review-Document Uploaded. Uploaded the DSCR worksheet, The property is vacant per appraisal. We used $23,350.00 from the Rent Schedule - Seller-03/01/2022

Counter-Originator worksheet is required on all DSCR loans. Per loan number this is a Business Purpose DSCR loan. - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. No DSCR per rate sheet. Rate sheet uploaded. - Seller-02/28/2022

Open-DSCR Calculation Work sheet is missing - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded. Uploaded the DSCR worksheet, The property is vacant per appraisal. We used $23,350.00 from the Rent Schedule - Seller-03/01/2022

Ready for Review-Document Uploaded. No DSCR per rate sheet. Rate sheet uploaded. - Seller-02/28/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-03/04/2022

[redacted] - Rate Sheet.pdf
[redacted] - Rate Sheet-Date[redacted].pdf
[redacted]-APPRAISAL.pdf
[redacted]-DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-436

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-437

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-438

[redacted]

Closed

FCRE2109

2022-02-25 16:27

2022-02-28 12:27

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/25/2022

Open-Missing DSCR calculation sheet. - Due Diligence Vendor-02/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/25/2022

Resolved-received - Due Diligence Vendor-02/28/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-438

[redacted]

Closed

FVAL1039

2022-02-23 13:02

2022-02-26 10:41

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/26/2022

Open-BPO on order
- Due Diligence Vendor-02/23/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-02/26/2022

[redacted]_[redacted]_[redacted]_2.18.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-438

[redacted]

Closed

FPRO1245

2022-02-22 11:51

2022-02-24 10:49

Waived

1 - Information

Property

Appraisal

Appraisal is Expired

Open-The appraisal expired on 1/26/2022. - Due Diligence Vendor-02/22/2022

Compensating factors: Over 6 months liquid cash reserves.
Exception is on page 5.

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-439

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-440

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-441

[redacted]

Closed

FCRE7756

2022-02-28 09:08

2022-02-28 11:17

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/28/2022

Resolved-received - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded Credit report - Seller-02/28/2022

Open-Credit report is missing. - Due Diligence Vendor-02/20/2022

Ready for Review-Document Uploaded. Uploaded Credit report - Seller-02/28/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/28/2022

Resolved-received - Due Diligence Vendor-02/28/2022

[redacted] - LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-442

[redacted]

Closed

FCRE2109

2022-02-28 09:51

2022-02-28 10:12

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-wkst received - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/28/2022

Open- - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/28/2022

Resolved-wkst received - Due Diligence Vendor-02/28/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-443

[redacted]

Closed

FCRE2109

2022-02-28 08:51

2022-02-28 11:23

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/28/2022

Open-missing DSCR worksheet - Due Diligence Vendor-02/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-02/28/2022

Resolved-received - Due Diligence Vendor-02/28/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-444

[redacted]

Closed

FCOM1220

2022-02-23 02:50

2022-03-08 13:27

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-
- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/08/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-444

[redacted]

Closed

FCOM1231

2022-02-24 10:59

2022-02-25 12:56

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-02/25/2022

Resolved-Used Credit report date as initial application date - Due Diligence Vendor-02/24/2022

Open-Initial 1003 not signed pg 157 - Due Diligence Vendor-02/24/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-445

[redacted]

Closed

FCRE7347

2022-04-26 08:51

2022-04-26 11:07

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease Received - Due Diligence Vendor-04/26/2022

Ready for Review-Document Uploaded. Upload Lease and DSCR - Seller-04/26/2022

Open-Provide lease agreement. - Due Diligence Vendor-02/25/2022

Ready for Review-Document Uploaded. Upload Lease and DSCR - Seller-04/26/2022

Resolved-Lease Received - Due Diligence Vendor-04/26/2022

LEASES-Board Care Tenants.pdf

DSCR form 7-14-20.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-446

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-447

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXX_2022-ATH2-448

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-449

[redacted]

Closed

FPRO1245

2022-02-22 07:47

2022-03-31 16:12

Waived

2 - Non-Material

Property

Appraisal

Appraisal is Expired

Waived- - Due Diligence Vendor-03/31/2022

Acknowledged-Exception for expired appraisal. - Due Diligence Vendor-02/24/2022

Acknowledged-Appraised value > 90 days at close. Signed Exception page 4 to accept.

Management Approved Comp Factors provided - Low LTV -%; Over 100K in cash reserves. - Due Diligence Vendor-02/22/2022

Acknowledged-Exception for expired appraisal. - Due Diligence Vendor-02/24/2022

Acknowledged-Appraised value > 90 days at close. Signed Exception page 4 to accept.

Management Approved Comp Factors provided - Low LTV -%; Over 100K in cash reserves. - Due Diligence Vendor-02/22/2022

- Low LTV -%; Over 100K in cash reserves.

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-450

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXXXXX_2022-ATH2-451

[redacted]

Closed

FCRE1167

2022-03-05 07:59

2022-03-16 08:33

Resolved

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided

Resolved-Per guidelines calc correctly - Due Diligence Vendor-03/16/2022

Open-cost estimator needed - Due Diligence Vendor-03/05/2022

Resolved-Per guidelines calc correctly - Due Diligence Vendor-03/16/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-452

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-453

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXX_2022-ATH2-454

[redacted]

Closed

FVAL1039

2022-03-07 09:36

2022-03-09 12:50

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-03/09/2022

Open-Missing AVM - Due Diligence Vendor-03/07/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-03/09/2022

[redacted]_[redacted]_[redacted]_3.4.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-455

[redacted]

Closed

FCRE2109

2022-03-22 12:33

2022-03-22 13:27

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-DSCR worksheet received - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Open-missing DSCR worksheet - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-DSCR worksheet received - Due Diligence Vendor-03/22/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-456

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-457

[redacted]

Closed

FCRE1325

2022-03-25 10:07

2022-03-25 13:34

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-03/25/2022
Resolved-proof of existence of business over 2 years provided - Due Diligence Vendor-03/25/2022
Ready for Review-Document Uploaded. Uploaded business license certificate of good standing. It reflects Formation Date as [redacted] and Active Status as of 1/2/2022, which indicates business has been active for over 2 years. - Seller-03/25/2022
Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-03/07/2022
Open-Borrower 1 CPA Letter Missing Per Guidelines page (36) using 12 months personal
bank statements at any LTV Proof of Self Employment for two years.is required. Must provide validation of Self Employment by 2 years of business licenses, or letter from licensed CPA or Tax Preparers on CPA or Tax preparer letter head, with license number addressed. All that was in file Entity information and Operating Agreement showing 2+ years. (pg 559-574) - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Uploaded business license certificate of good standing. It reflects Formation Date as [redacted] and Active Status as of 1/2/2022, which indicates business has been active for over 2 years. - Seller-03/25/2022

Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-03/25/2022

Resolved-proof of existence of business over 2 years provided - Due Diligence Vendor-03/25/2022

[redacted] - CERTIFICATE OF GOOD STANDING.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-458

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXX_2022-ATH2-459

[redacted]

Closed

FCRE2109

2022-03-22 10:57

2022-03-22 13:55

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Received DSCR worksheet - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Open-missing DSCR worksheet - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-Received DSCR worksheet - Due Diligence Vendor-03/22/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-460

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-461

[redacted]

Closed

FVAL1039

2022-03-08 08:54

2022-04-08 09:41

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal.
- Due Diligence Vendor-04/08/2022

Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-03/12/2022

Open-AVM is 13.69% below appraised value. No condition stated on AVM, so used estimated value. - Due Diligence Vendor-03/08/2022

Resolved-Document Uploaded. Desk Review supports original appraisal.
- Due Diligence Vendor-04/08/2022

[redacted]_[redacted]_[redacted]_3.4.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-461

[redacted]

Closed

FCRE7347

2022-03-22 15:21

2022-03-24 15:15

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Received lease - Due Diligence Vendor-03/24/2022

Resolved-lease received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-03/22/2022

Open-tenant occupied and no lease in file. refi. - Due Diligence Vendor-03/10/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-03/22/2022

Resolved-Received lease - Due Diligence Vendor-03/24/2022

Resolved-lease received - Due Diligence Vendor-03/24/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-462

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-463

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-464

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-465

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-466

[redacted]

Closed

FCRE2109

2022-03-22 16:22

2022-03-24 14:57

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Open-missing DSCR calculation sheet - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-received - Due Diligence Vendor-03/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-467

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-468

[redacted]

Closed

finding-3631

2022-03-25 10:23

2022-03-25 10:25

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/25/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-468

[redacted]

Closed

finding-3632

2022-03-25 10:23

2022-03-25 10:25

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/25/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-468

[redacted]

Closed

finding-3634

2022-03-25 10:23

2022-03-25 10:25

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.25.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/25/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-468

[redacted]

Closed

FCOM1266

2022-03-24 16:56

2022-03-25 10:14

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/25/2022

Resolved-received - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. Initial disclosures attached. Please see page 5 for Home Counseling Disclosure. - Seller-03/24/2022

Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Initial disclosures attached. Please see page 5 for Home Counseling Disclosure. - Seller-03/24/2022

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/25/2022

Resolved-received - Due Diligence Vendor-03/25/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-468

[redacted]

Closed

finding-3612

2022-03-24 16:57

2022-03-25 10:00

Resolved

1 - Information

Compliance

TRID

TRID Initial Closing Disclosure Date and Date Creditor Received Application Validation Test

Resolved-initial LE received - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. Initial Disclosures attached. Please see page 14 for initial LE. - Seller-03/24/2022

Open-This loan failed the TRID initial closing disclosure date and date creditor received application validation test.This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is before the date creditor received the application. Please review the loan data to ensure the dates are in the correct fields. Considered initial CD issued date as initial 1003 date as the date was missing on initial 1003 document - Due Diligence Vendor-03/07/2022

Open-This loan failed the TRID initial closing disclosure date and date creditor received application validation test.This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is before the date creditor received the application. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Initial Disclosures attached. Please see page 14 for initial LE. - Seller-03/24/2022

Resolved-initial LE received - Due Diligence Vendor-03/25/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-468

[redacted]

Closed

FCOM1797

2022-03-24 16:58

2022-03-25 09:59

Resolved

1 - Information

Compliance

Missing Doc

Missing Service Provider List

Resolved-received - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. Initial disclosures attached. Please see page 23 for SSPL. - Seller-03/24/2022

Open- - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Initial disclosures attached. Please see page 23 for SSPL. - Seller-03/24/2022

Resolved-received - Due Diligence Vendor-03/25/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-468

[redacted]

Closed

FCOM1252

2022-03-24 16:58

2022-03-25 09:58

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-received - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. Initial disclosures attached. Please see page 14 for initial LE. - Seller-03/24/2022

Open-No loan estimate in file - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Initial disclosures attached. Please see page 14 for initial LE. - Seller-03/24/2022

Resolved-received - Due Diligence Vendor-03/25/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-469

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-470

[redacted]

Closed

FCOM1544

2022-03-07 12:41

2022-05-04 14:26

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/04/2022

Open-Missing initial closing disclosure. - Due Diligence Vendor-03/07/2022

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/04/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-471

[redacted]

Closed

FCRE2109

2022-03-22 10:45

2022-03-24 15:24

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Open-Missing DSCR Calculation Worksheet - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-received - Due Diligence Vendor-03/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-472

[redacted]

Closed

FCRE7347

2022-03-22 09:49

2022-03-22 14:30

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Received lease - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-03/22/2022

Open-The 1007 shows market rent as $2,800. DSCR score was based on lease agreement showing monthly rent at $2,450. The loan is a refinance with appraisal showing property as tenant occupied. Missing Lease agreement showing $2,450 rent. - Due Diligence Vendor-03/10/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-03/22/2022

Resolved-Received lease - Due Diligence Vendor-03/22/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-472

[redacted]

Closed

FPRO1245

2022-03-10 12:16

2022-03-11 06:46

Waived

2 - Non-Material

Property

Appraisal

Appraisal is Expired

Waived-U/W Exception for expiration of Appraisal date is located on page 6. - Due Diligence Vendor-03/10/2022

The compensator factors were noted as Less than [redacted]% LTV and 56 month mortgage history review showing 0X30.

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-473

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-474

[redacted]

Closed

FCRE2109

2022-03-22 11:57

2022-03-22 13:53

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Received DSCR calc - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Open- - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-Received DSCR calc - Due Diligence Vendor-03/22/2022

Missing DSCR Calculation Worksheet

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-475

[redacted]

Closed

FCRE2109

2022-03-22 16:16

2022-03-24 15:03

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Open-Missing DSCR Calculation Worksheet - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-received - Due Diligence Vendor-03/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-476

[redacted]

Closed

FCRE2109

2022-03-22 16:10

2022-03-24 15:07

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Open-Missing DSCR Calculation Worksheet - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-received - Due Diligence Vendor-03/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-477

[redacted]

Closed

finding-3532

2022-03-31 14:50

2022-04-05 12:03

Resolved

1 - Information

Compliance

TRID

Initial Closing Disclosure Delivery Date Test

Resolved-Received - Due Diligence Vendor-04/05/2022
Ready for Review-Document Uploaded. Uploaded Initial CD - Seller-03/31/2022
Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-03/11/2022
Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Initial CD delivery based on borrower electronic signature was Thursday [redacted]. With the weekend, borrower didnt have 3 days for review before closing. Loan closing was Monday [redacted] - Due Diligence Vendor-03/11/2022

Ready for Review-Document Uploaded. Uploaded Initial CD - Seller-03/31/2022

Resolved-Received - Due Diligence Vendor-04/05/2022

[redacted] - Initial CD (Signed).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-478

[redacted]

Closed

FCRE3931

2022-04-19 10:28

2022-04-21 20:40

Resolved

1 - Information

Credit

Eligibility

Other Credit Finding 1

Resolved-Agree with lender, loan priced as in default - Due Diligence Vendor-04/22/2022

Ready for Review-Not needed - they were in default and treated as currently down. A VOM is not necessary
- Seller-04/19/2022

Open-Missing mortgage payment history.

Guidelines require all mortgage on the subject property to be current at time of submission through funding. - missing Oct, Nov, Dec and Jan payment history. 7/21 - 9/21 in file on page 111. Subject property is not on the credit report.

Guidelines require that all other mortgage showing on schedule of real estate owned reporting on credit must be current as well - Need Dec and Jan payment history. Credit report last reported 11/21. Additionally, document on page 316 states the next payment due 12/26/2021.
- Due Diligence Vendor-03/06/2022

Ready for Review-Not needed - they were in default and treated as currently down. A VOM is not necessary
- Seller-04/19/2022

Resolved-Agree with lender, loan priced as in default - Due Diligence Vendor-04/22/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-478

[redacted]

Closed

FCRE1326

2022-04-19 10:31

2022-04-21 20:39

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 YTD Profit & Loss Missing

Resolved- - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded P & L - Seller-04/19/2022

Open-Borrower 1 YTD Profit & Loss Missing - Full Doc Self Employed Borrower. Two years tax returns are in the file. Missing the YTD P&L dated with in 60 days. - Due Diligence Vendor-03/06/2022

Ready for Review-Document Uploaded. Uploaded P & L - Seller-04/19/2022

[redacted]-P & L_ BALANCE SHEET.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-478

[redacted]

Closed

FCRE1159

2022-03-06 09:40

2022-03-16 08:43

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Refinance, insurance in place - Due Diligence Vendor-03/16/2022
Open-Hazard Insurance Effective Date of [redacted] is after the Note Date of [redacted] - loan disbursed on [redacted] - Due Diligence Vendor-03/06/2022

Resolved-Refinance, insurance in place - Due Diligence Vendor-03/16/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-478

[redacted]

Closed

FCRE9806

2022-03-06 10:01

Waived

Credit

Eligibility

Other Credit Finding

Waived-Lender Granted Exception for "Payoff IRS tax lien on D credit"

See page 622 - Due Diligence Vendor-03/06/2022

[redacted]% LTV

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-479

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-480

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-481

[redacted]

Closed

FCRE2109

2022-03-22 16:19

2022-03-24 15:00

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Open-DSCR sheet missing - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-received - Due Diligence Vendor-03/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-482

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-483

[redacted]

Closed

FCRE1159

2022-03-07 09:09

2022-03-16 08:42

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Acceptable in force as of disbursement date - Due Diligence Vendor-03/16/2022
Open-Hazard Insurance Effective Date of [redacted] is after the Note Date of [redacted] Loan disbursed [redacted] - cannot locate an amended effective date. - Due Diligence Vendor-03/07/2022

Resolved-Acceptable in force as of disbursement date - Due Diligence Vendor-03/16/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-484

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-485

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-486

[redacted]

Closed

FCOM4247

2022-03-30 08:27

2022-03-30 12:24

Resolved

1 - Information

Compliance

Missing Doc

Missing HUD-1 Closing Statement

Resolved-Document received clears finding - Due Diligence Vendor-03/30/2022
Ready for Review-Document Uploaded. Uploaded signed & stamped certified HUD - Seller-03/30/2022
Open-Provide final HUD or settlement statement. Buyer CD page 239 does not show the payoff amount for the current loan. Payoff is on page 409. Subtracted the payoff from cash to borrower amount for a cash out total of [redacted] - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded signed & stamped certified HUD - Seller-03/30/2022

Resolved-Document received clears finding - Due Diligence Vendor-03/30/2022

[redacted] Certified ALTA.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-486

[redacted]

Closed

FVAL1039

2022-03-09 10:07

2022-03-17 09:19

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/17/2022

Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-03/09/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/17/2022

[redacted]_[redacted]_[redacted]_3.4.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-487

[redacted]

Closed

FCRE1161

2022-03-24 11:49

2022-03-24 12:05

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/24/2022

Resolved-provided - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. uploaded flood cert - Seller-03/24/2022

Open-Missing Flood Certificate Correct, Missing Flood Certificate - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. uploaded flood cert - Seller-03/24/2022

Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/24/2022

Resolved-provided - Due Diligence Vendor-03/24/2022

FLOOD CERTIFICATION (1).pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-488

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-489

[redacted]

Closed

FVAL1039

2022-03-07 18:23

2022-03-12 17:39

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. - Due Diligence Vendor-03/13/2022

Resolved-Desk Review supports original appraisal
- Due Diligence Vendor-03/13/2022

Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-03/10/2022

Open-The AVM on subject property has a confidence score of 50 which is below the required confidence score of 70 or higher. - Due Diligence Vendor-03/08/2022

Resolved-Document Uploaded. - Due Diligence Vendor-03/13/2022

Resolved-Desk Review supports original appraisal
- Due Diligence Vendor-03/13/2022

536[redacted]_[redacted]_[redacted]_3.4.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-490

[redacted]

Closed

FCRE1241

2022-03-22 13:02

2022-03-22 13:20

Resolved

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved-Purchase agreement received - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded purchase contract - Seller-03/22/2022

Open-missing - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded purchase contract - Seller-03/22/2022

Resolved-Purchase agreement received - Due Diligence Vendor-03/22/2022

[redacted] - ADDENDUM TO CONTRACT 2.pdf

[redacted] - PURCHASE CONTRACT.pdf

[redacted] - ADDENDUM TO CONTRACT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-491

[redacted]

Closed

FCRE2109

2022-03-22 10:07

2022-03-22 14:26

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Received DSCR Calc - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Open-missing DSCR worksheet - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-Received DSCR Calc - Due Diligence Vendor-03/22/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-491

[redacted]

Closed

FVAL1039

2022-03-08 10:30

2022-03-14 14:14

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Corrected Desk Review supports original appraisal
- Due Diligence Vendor-03/14/2022

Open-DR received, however I have sent back today for correction. - Due Diligence Vendor-03/13/2022

Open-Document Uploaded. AVM has a confidence score of 50.

AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-03/08/2022

Resolved-Document Uploaded. Corrected Desk Review supports original appraisal
- Due Diligence Vendor-03/14/2022

536[redacted]_[redacted]_[redacted]_3.4.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-491

[redacted]

Closed

FPRO1245

2022-03-08 10:31

Waived

1 - Information

Property

Appraisal

Appraisal is Expired

Waived-Lender granted Exception for an Expired Appraisal

page 2 - Due Diligence Vendor-03/08/2022

6 months LCR's, [redacted]% ltv

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-492

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-493

[redacted]

Closed

FCOM1544

2022-03-07 14:03

2022-03-28 07:17

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-03/11/2022

Rescinded- - Due Diligence Vendor-03/11/2022

Open-Final Closing Disclosure is missing in the file - Due Diligence Vendor-03/07/2022

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-03/11/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-493

[redacted]

Closed

FCOM1797

2022-03-24 16:46

2022-03-25 10:17

Resolved

1 - Information

Compliance

Missing Doc

Missing Service Provider List

Resolved-received - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. Uploaded initial disclosures. See pages 33-34 for SSPL. - Seller-03/24/2022

Open-Missing Service Provider list - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Uploaded initial disclosures. See pages 33-34 for SSPL. - Seller-03/24/2022

Resolved-received - Due Diligence Vendor-03/25/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-493

[redacted]

Closed

FCOM1252

2022-03-24 16:46

2022-03-25 10:17

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-received - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. Uploaded initial disclosures. See page 27-29 for initial LE. - Seller-03/24/2022

Open-Initial Loan Estimated is missing in the file - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Uploaded initial disclosures. See page 27-29 for initial LE. - Seller-03/24/2022

Resolved-received - Due Diligence Vendor-03/25/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-493

[redacted]

Closed

FCOM1287

2022-03-05 08:05

2022-03-25 10:16

Resolved

1 - Information

Compliance

Missing Doc

Consumer Caution and Home Owner Counseling Notice is Missing

Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-03/25/2022

Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-03/05/2022

Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-03/25/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-493

[redacted]

Closed

FCOM1266

2022-03-24 16:47

2022-03-25 10:16

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/25/2022

Resolved-received - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. Uploaded initial disclosures. See pages 18-23 for Home Counseling disclosures. - Seller-03/24/2022

Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/05/2022

Ready for Review-Document Uploaded. Uploaded initial disclosures. See pages 18-23 for Home Counseling disclosures. - Seller-03/24/2022

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/25/2022

Resolved-received - Due Diligence Vendor-03/25/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-493

[redacted]

Closed

FCOM1271

2022-03-09 09:27

2022-03-25 10:16

Resolved

1 - Information

Compliance

Missing Doc

CHARM Booklet is Missing

Resolved-CHARM Booklet is Present or Not Applicable - Due Diligence Vendor-03/25/2022

Rescinded-n/a - Due Diligence Vendor-03/09/2022

Open- - Due Diligence Vendor-03/09/2022

Resolved-CHARM Booklet is Present or Not Applicable - Due Diligence Vendor-03/25/2022

Rescinded-n/a - Due Diligence Vendor-03/09/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-494

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-495

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-496

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-497

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXX_2022-ATH2-498

[redacted]

Closed

FCRE2109

2022-03-23 10:20

2022-03-24 13:04

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Open-Missing DSCR worksheet - Due Diligence Vendor-03/10/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Resolved-received - Due Diligence Vendor-03/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-498

[redacted]

Closed

FVAL1039

2022-03-10 09:18

2022-03-15 16:18

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-03/15/2022

Open-BPO on order
- Due Diligence Vendor-03/15/2022

Open-Missing AVM - Due Diligence Vendor-03/10/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-03/15/2022

[redacted]_[redacted]_[redacted]_3.4.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-499

[redacted]

Closed

FCRE7756

2022-03-08 02:34

2022-03-14 11:15

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Foreign National - Due Diligence Vendor-03/10/2022

Open-Credit Report is Missing - Due Diligence Vendor-03/08/2022

Resolved-Foreign National - Due Diligence Vendor-03/10/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-500

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-501

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-502

[redacted]

Closed

FCOM1266

2022-03-25 09:08

2022-03-25 13:43

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-resolved - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. Initial disclosures uploaded. Please see page 22 for Home counseling disclosure. - Seller-03/25/2022

Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Initial disclosures uploaded. Please see page 22 for Home counseling disclosure. - Seller-03/25/2022

Resolved-resolved - Due Diligence Vendor-03/25/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-502

[redacted]

Closed

FCOM1252

2022-03-25 09:09

2022-03-25 13:43

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-received - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. Uploaded initial disclosures. Please see page 31 for initial LE - Seller-03/25/2022

Open-Missing initial Loan Estimate on the file. - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded initial disclosures. Please see page 31 for initial LE - Seller-03/25/2022

Resolved-received - Due Diligence Vendor-03/25/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-502

[redacted]

Closed

FCOM1797

2022-03-25 09:09

2022-03-25 13:43

Resolved

1 - Information

Compliance

Missing Doc

Missing Service Provider List

Resolved-received - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. Initial dislcosures uploaded. Please see page 37 for SSPL - Seller-03/25/2022

Open- - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Initial dislcosures uploaded. Please see page 37 for SSPL - Seller-03/25/2022

Resolved-received - Due Diligence Vendor-03/25/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-503

[redacted]

Closed

FCRE1161

2022-03-25 08:56

2022-03-25 10:23

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/25/2022

Resolved-provided - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. - Seller-03/25/2022

Open-Missing Flood Certificate - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. - Seller-03/25/2022

Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/25/2022

Resolved-provided - Due Diligence Vendor-03/25/2022

[redacted] - FLOOD CERTIFICATION.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-503

[redacted]

Closed

FPRO1242

2022-03-25 08:59

2022-03-25 10:22

Resolved

1 - Information

Property

Missing Doc

Appraisal is Missing

Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-03/25/2022

Resolved-received - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. - Seller-03/25/2022

Open-Appraisal is Missing - Due Diligence Vendor-03/10/2022

Ready for Review-Document Uploaded. - Seller-03/25/2022

Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-03/25/2022

Resolved-received - Due Diligence Vendor-03/25/2022

[redacted] - APPRAISAL.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-504

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-505

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-506

[redacted]

Closed

FCOM1207

2022-03-22 15:25

2022-03-24 15:13

Resolved

1 - Information

Compliance

Closing

The Note is Not Executed

Resolved-Received executed note - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded Executed Note - Seller-03/22/2022

Open-Borrower signature is not present or light to see in imaging. - Due Diligence Vendor-03/11/2022

Ready for Review-Document Uploaded. Uploaded Executed Note - Seller-03/22/2022

Resolved-Received executed note - Due Diligence Vendor-03/24/2022

[redacted] - Note.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-507

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-508

[redacted]

Closed

FCRE2109

2022-03-22 15:07

2022-03-24 15:17

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Received DSCR worksheet - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Open-Residential DSCR Calculation sheet is missing - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-Received DSCR worksheet - Due Diligence Vendor-03/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-509

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-510

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-511

[redacted]

Closed

FCRE1161

2022-03-24 15:39

2022-03-25 08:58

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/25/2022

Resolved-received - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. Uploaded Flood Cert. - Seller-03/24/2022

Open-Missing Flood Certificate none found - partial info from appraisal. - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Uploaded Flood Cert. - Seller-03/24/2022

Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/25/2022

Resolved-received - Due Diligence Vendor-03/25/2022

[redacted] - FLOOD CERTIFICATION.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-511

[redacted]

Closed

FCRE3464

2022-03-24 15:47

2022-03-25 08:56

Resolved

1 - Information

Credit

Missing Doc

Missing Closing/Final Verbal VOE

Resolved-received - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. Uploaded verification. - Seller-03/24/2022

Open-VVOE missing for 1099 employment. This is required per Guidelines page 37. - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded verification. - Seller-03/24/2022

Resolved-received - Due Diligence Vendor-03/25/2022

[redacted] - MISC VERIFICATIONS.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-511

[redacted]

Closed

FVAL1039

2022-03-08 12:41

2022-03-09 12:31

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-03/09/2022

Open-avm missing - Due Diligence Vendor-03/08/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-03/09/2022

[redacted]_[redacted]_[redacted]_3.4.2022.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-512

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-513

[redacted]

Closed

FCRE1241

2022-03-28 19:19

2022-03-29 14:00

Resolved

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved-Received purchase contract - Due Diligence Vendor-03/29/2022

Ready for Review-Document Uploaded. Uploaded purchase contract - Seller-03/29/2022

Open-Purchase contract is not in the file. - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Uploaded purchase contract - Seller-03/29/2022

Resolved-Received purchase contract - Due Diligence Vendor-03/29/2022

[redacted]-PURCHASE CONTRACT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-514

[redacted]

Closed

FCRE2109

2022-03-23 10:41

2022-03-23 13:49

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Dscr received - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Open-MISSING DSCR INCOME CALCULATION WORKSHEET - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Resolved-Dscr received - Due Diligence Vendor-03/23/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-515

[redacted]

Closed

FCRE2109

2022-03-22 10:26

2022-03-22 14:19

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-DSCR received - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Open-DSCR INCOME CALCULATION WORKSHEET IS MISSING - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-DSCR received - Due Diligence Vendor-03/22/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-516

[redacted]

Closed

FCRE7347

2022-03-22 10:32

2022-03-22 14:17

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease Received - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-03/22/2022

Open-Property is a Refinance and Lease Agreement is not provided. Property occupancy on appraisal is listed as Tenant, not Vacant. - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-03/22/2022

Resolved-Lease Received - Due Diligence Vendor-03/22/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-517

[redacted]

Closed

FCOM1207

2022-03-22 11:46

2022-03-22 13:54

Resolved

1 - Information

Compliance

Closing

The Note is Not Executed

Resolved-Received executed note - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded executed Note - Seller-03/22/2022

Open-FOUND UNEXECUTED NOTE DOCUMENT IN FILE - Due Diligence Vendor-03/14/2022

Open-Note is not executed. Please provide copy of fully executed Note. - Due Diligence Vendor-03/09/2022

Open-The Note is Not Executed - Due Diligence Vendor-03/10/2022

Ready for Review-Document Uploaded. Uploaded executed Note - Seller-03/22/2022

Resolved-Received executed note - Due Diligence Vendor-03/22/2022

[redacted] - NOTE.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-518

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-519

[redacted]

Closed

FCRE2109

2022-03-22 10:12

2022-03-24 15:20

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Open-DSCR INCOME CALCULATION SHEET IS MISSING - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-received - Due Diligence Vendor-03/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-519

[redacted]

Closed

FVAL1039

2022-03-09 10:02

2022-03-11 16:35

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/11/2022

Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-03/09/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/11/2022

[redacted]_[redacted]_[redacted]_3.4.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-520

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-521

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-522

[redacted]

Closed

FCRE2109

2022-03-22 12:18

2022-03-22 13:42

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-DSCR worksheet received - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Open-DSCR CALCULATION SHEET IS MISSING - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-DSCR worksheet received - Due Diligence Vendor-03/22/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-522

[redacted]

Closed

FVAL1039

2022-03-09 09:56

2022-03-12 17:12

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/13/2022

Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-03/09/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/13/2022

[redacted]_[redacted]_[redacted]_3.4.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-523

[redacted]

Closed

FCRE2109

2022-03-22 10:40

2022-03-24 15:24

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Open-DSCR calculation Sheet is missing - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-received - Due Diligence Vendor-03/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-524

[redacted]

Closed

FCRE1241

2022-03-22 12:24

2022-03-22 13:40

Resolved

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved-Received contract - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded purchase agreement - Seller-03/22/2022

Open-Purchase agreement was Missing - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded purchase agreement - Seller-03/22/2022

Resolved-Received contract - Due Diligence Vendor-03/22/2022

[redacted] - PURCHASE CONTRACT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-525

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-526

[redacted]

Closed

FCRE2109

2022-04-20 14:39

2022-04-21 20:31

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-DSCR calc received - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/20/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/19/2022

Counter-Disagree- Still require a DSCR worksheet as the program is BPD. - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Rate sheet reflects NO DSCR. Rate sheet uploaded. - Seller-03/23/2022

Open-Residential DSCR income Calculation Sheet is missing. - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/20/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/19/2022

Ready for Review-Document Uploaded. Rate sheet reflects NO DSCR. Rate sheet uploaded. - Seller-03/23/2022

Resolved-DSCR calc received - Due Diligence Vendor-04/22/2022

[redacted] - UPFRONT UW PRICING RATE SHEET.pdf

[redacted] - UPFRONT UW PRICING RATE SHEET.pdf

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-527

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-528

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-529

[redacted]

Closed

FCRE2109

2022-03-22 16:04

2022-03-24 15:07

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Open-DSCR RESIDENTIAL INCOME CALCULATION SHEET IS MISSING. - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-received - Due Diligence Vendor-03/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-530

[redacted]

Closed

FCRE1180

2022-03-24 12:44

2022-03-24 14:24

Resolved

1 - Information

Credit

Missing Doc

HO-6 Insurance Policy is Missing

Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-03/24/2022

Resolved-HO6 received. - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded H-06 Insurance Policy - Seller-03/24/2022

Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded H-06 Insurance Policy - Seller-03/24/2022

Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-03/24/2022

Resolved-HO6 received. - Due Diligence Vendor-03/24/2022

H-06 INSURANCE.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-531

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-532

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-533

[redacted]

Closed

FCRE2109

2022-03-22 15:59

2022-03-24 15:10

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Doc received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Open-DSCR CALCULATION WORKSHEET IS MISSING - Due Diligence Vendor-03/10/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-Doc received - Due Diligence Vendor-03/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-533

[redacted]

Closed

FCOM1207

2022-03-22 16:00

2022-03-24 15:09

Resolved

1 - Information

Compliance

Closing

The Note is Not Executed

Resolved-Received Note executed - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded executed Note - Seller-03/22/2022

Open-The Note is Not Executed - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded executed Note - Seller-03/22/2022

Resolved-Received Note executed - Due Diligence Vendor-03/24/2022

[redacted] - NOTE.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-533

[redacted]

Closed

FCOM3571

2022-03-14 08:02

2022-03-16 08:35

Resolved

1 - Information

Compliance

Closing

HUD-1 not executed properly

Resolved- - Due Diligence Vendor-03/16/2022

Open-missing executed copy - Due Diligence Vendor-03/14/2022

Resolved- - Due Diligence Vendor-03/16/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-534

[redacted]

Closed

FCRE2109

2022-03-22 10:49

2022-03-22 14:02

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-DSCR calc received - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Open-MISSING DSCR CALCULATION SHEET IS MISSING - Due Diligence Vendor-03/10/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-DSCR calc received - Due Diligence Vendor-03/22/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-535

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-536

[redacted]

Closed

FCOM1257

2022-03-31 14:52

2022-04-06 14:18

Resolved

1 - Information

Compliance

Missing Doc

Missing Change of Circumstance

Resolved-Received COC - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded COC and Revised - Seller-03/31/2022

Open-Missing COC for increase fees of broker compensation - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Uploaded COC and Revised - Seller-03/31/2022

Resolved-Received COC - Due Diligence Vendor-04/06/2022

[redacted] - COC Detail Form + revised CD (Signed).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-536

[redacted]

Closed

finding-3631

2022-03-31 14:52

2022-04-06 14:17

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Ready for Review-Document Uploaded. Uploaded COC and Revised - Seller-03/31/2022

Open-These findings are valid. - Due Diligence Vendor-03/10/2022

Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Uploaded COC and Revised - Seller-03/31/2022

Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/07/2022

[redacted] - COC Detail Form + revised CD (Signed).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-536

[redacted]

Closed

finding-3632

2022-03-31 14:52

2022-04-06 14:17

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Ready for Review-Document Uploaded. Uploaded COC and Revised - Seller-03/31/2022

Open-These findings are valid. - Due Diligence Vendor-03/10/2022

Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Uploaded COC and Revised - Seller-03/31/2022

Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/07/2022

[redacted] - COC Detail Form + revised CD (Signed).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-536

[redacted]

Closed

finding-3634

2022-03-31 14:52

2022-04-06 14:17

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Ready for Review-Document Uploaded. Uploaded COC and Revised - Seller-03/31/2022

Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $521.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/17/2022

Ready for Review-Document Uploaded. Uploaded COC and Revised - Seller-03/31/2022

[redacted] - COC Detail Form + revised CD (Signed).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-536

[redacted]

Closed

123ABJ

2022-03-24 15:52

2022-03-25 08:58

Resolved

1 - Information

Credit

Missing Doc

Missing VVOE dated within 10 days consummation

Resolved-received - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. Uploaded VVOE - Seller-03/24/2022

Open-Required for salaried full doc. - Due Diligence Vendor-03/06/2022

Ready for Review-Document Uploaded. Uploaded VVOE - Seller-03/24/2022

Resolved-received - Due Diligence Vendor-03/25/2022

[redacted] - FINAL VERBAL VOE.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-537

[redacted]

Closed

FCRE7347

2022-03-23 10:43

2022-03-23 13:46

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease Received - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-03/23/2022

Open-Lease Agreement missing in the file. - Due Diligence Vendor-03/10/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-03/23/2022

Resolved-Lease Received - Due Diligence Vendor-03/23/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-538

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-539

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-540

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-541

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-542

[redacted]

Closed

finding-3631

2022-03-31 15:00

2022-04-06 14:23

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Ready for Review-Document Uploaded. uploaded Initial Disclosure, Proof Delivery and CD - Seller-03/31/2022

Ready for Review-Document Uploaded. uploaded Initial Disclosure, Proof Delivery and CD - Seller-03/31/2022

Ready for Review-Document Uploaded. Uploaded CD and Initial Disclosure  - Seller-03/31/2022

Ready for Review-Document Uploaded. Uploaded CD and Initial Disclosure  - Seller-03/31/2022

Ready for Review-Document Uploaded. Uploaded COC,  initial CD and Proof of Delivery - Seller-03/31/2022

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/07/2022

[redacted] - Initial CD (COC).pdf
[redacted] - PROOF OF DELIVERY (Initial CD).pdf
[redacted] - EXECUTED INITIAL CLOSING DISCLOSURE (w Proof of Delivery on last page).pdf
[redacted]CD.pdf
[redacted] - EXECUTED INITIAL CLOSING DISCLOSURE (w Proof of Delivery on last page).pdf
[redacted] CD.pdf
[redacted]_ EXECUTED INITIAL CLOSING DISCLOSURE (w Proof of Delivery on last page).pdf
[redacted]_CD.pdf
[redacted]_CD.pdf
[redacted]_ EXECUTED INITIAL CLOSING DISCLOSURE (w Proof of Delivery on last page).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-542

[redacted]

Closed

finding-3632

2022-03-31 14:55

2022-04-06 14:23

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Ready for Review-Document Uploaded. Uploaded COC, initial CD and Proof of Delivery - Seller-03/31/2022

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Uploaded COC, initial CD and Proof of Delivery - Seller-03/31/2022

[redacted] - PROOF OF DELIVERY (Initial CD).pdf

[redacted] - Initial CD (COC).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-542

[redacted]

Closed

finding-3634

2022-03-31 14:55

2022-04-06 14:23

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Ready for Review-Document Uploaded. Uploaded COC,  initial CD and Proof of Delivery - Seller-03/31/2022
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $320.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). No COC was provided for appraisal fee & broker origination fee being increased in final cd dated [redacted]. - Due Diligence Vendor-03/07/2022
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $320.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Uploaded COC, initial CD and Proof of Delivery - Seller-03/31/2022

[redacted] - PROOF OF DELIVERY (Initial CD).pdf

[redacted] - Initial CD (COC).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-542

[redacted]

Closed

finding-3536

2022-04-05 12:26

2022-04-06 14:21

Resolved

1 - Information

Compliance

TRID

Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test

Resolved-Received proof of receipt - Due Diligence Vendor-04/06/2022
Open-This loan failed the initial closing disclosure delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i) )The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). - Due Diligence Vendor-04/05/2022

Resolved-Received proof of receipt - Due Diligence Vendor-04/06/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-543

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-544

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-545

[redacted]

Closed

FCRE1241

2022-03-24 12:30

2022-03-24 14:42

Resolved

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved-contract received. - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded the purchase agreement/ contract - Seller-03/24/2022

Ready for Review-Document Uploaded. Uploaded purchase contract/agreement - Seller-03/24/2022

Open-purchase contract is missing - Due Diligence Vendor-03/15/2022

Ready for Review-Document Uploaded. Uploaded the purchase agreement/ contract - Seller-03/24/2022

Ready for Review-Document Uploaded. Uploaded purchase contract/agreement - Seller-03/24/2022

Resolved-contract received. - Due Diligence Vendor-03/24/2022

PURCHASE CONTRACT (1).pdf

PURCHASE CONTRACT (2).pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-546

[redacted]

Closed

FCRE2109

2022-03-23 09:29

2022-03-24 14:56

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Open-Lender income calculation worksheet missing in the file. - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Resolved-received - Due Diligence Vendor-03/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-547

[redacted]

Closed

finding-3540

2022-03-31 15:05

2022-04-06 14:14

Resolved

1 - Information

Compliance

TRID

Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test

Ready for Review-Document Uploaded. Upload Initial Disclosure, and CD - Seller-03/31/2022

Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as "In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. - Due Diligence Vendor-03/14/2022

Ready for Review-Document Uploaded. Upload Initial Disclosure, and CD - Seller-03/31/2022

[redacted]_ EXECUTED INITIAL CLOSING DISCLOSURE (w Proof of Delivery on last page).pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-547

[redacted]

Closed

FCOM1544

2022-03-24 16:31

2022-03-28 07:19

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-03/28/2022
Counter-Note and Deed of Trust are dated and notarized on [redacted].  Missing CD signed at closing.  One provided is dated [redacted] - Due Diligence Vendor-03/25/2022
Resolved-received - Due Diligence Vendor-03/25/2022
Ready for Review-Document Uploaded. Uploaded CD dated [redacted]. - Seller-03/24/2022
Open-Missing CD signed at closing on [redacted].  Please provide so we can complete the compliance review. - Due Diligence Vendor-03/14/2022
Open-Missing Final Closing Disclosure  Dated [redacted]2  - Due Diligence Vendor-03/14/2022
Open-Final Closing Disclosure is missing in the final - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Uploaded CD dated [redacted]2. - Seller-03/24/2022

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-[redacted]
Resolved-received - Due Diligence Vendor-03/25/2022

[redacted] CD.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-547

[redacted]

Closed

finding-3625

2022-03-14 14:00

2022-03-14 14:19

Resolved

1 - Information

Compliance

TRID

TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test

Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-03/14/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-548

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-549

[redacted]

Closed

FCRE2109

2022-03-24 11:36

2022-03-24 12:05

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-provided - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/24/2022

Open-Lender income calculation worksheet missing in the file. - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/24/2022

Resolved-provided - Due Diligence Vendor-03/24/2022

DSCR CALCULATION (1).pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-550

[redacted]

Closed

FCRE6019

2022-03-23 10:36

2022-03-24 12:32

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/24/2022

Resolved-passport received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded Passport - Seller-03/23/2022

Open-Borrower 1 Citizenship Documentation Is Missing in the file. - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded Passport - Seller-03/23/2022

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/24/2022

Resolved-passport received - Due Diligence Vendor-03/24/2022

[redacted] - PASSPORT - [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-550

[redacted]

Closed

FCRE6914

2022-03-23 10:37

2022-03-24 12:32

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Citizenship Documentation Not Provided

Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/24/2022

Resolved-passport received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded passport - Seller-03/23/2022

Open-Borrower 2 Citizenship Documentation Is Missing in the file. - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded passport - Seller-03/23/2022

Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/24/2022

Resolved-passport received - Due Diligence Vendor-03/24/2022

[redacted] - PASSPORT - [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-551

[redacted]

Closed

finding-3367

2022-03-25 14:31

2022-03-25 14:37

Resolved

1 - Information

Compliance

Disclosure

RESPA Homeownership Counseling Organizations Disclosure Date Test

Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-03/25/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-551

[redacted]

Closed

finding-3838

2022-03-25 14:31

2022-03-25 14:37

Resolved

1 - Information

Compliance

ComplianceEase

Written List of Service Providers Disclosure Date Test

Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( 12 CFR §1026.19(e)(1)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). - Due Diligence Vendor-03/25/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-551

[redacted]

Closed

FCOM1266

2022-03-25 09:16

2022-03-25 14:37

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. Uploaded initial disclsoures. Please see page 22 for Home Counseling disclosure - Seller-03/25/2022

Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded initial disclsoures. Please see page 22 for Home Counseling disclosure - Seller-03/25/2022

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/25/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-551

[redacted]

Closed

FCOM1271

2022-03-09 09:41

2022-03-25 14:37

Resolved

1 - Information

Compliance

Missing Doc

CHARM Booklet is Missing

Resolved-CHARM Booklet is Present or Not Applicable - Due Diligence Vendor-03/25/2022

Rescinded-n/a - Due Diligence Vendor-03/09/2022

Open- - Due Diligence Vendor-03/09/2022

Resolved-CHARM Booklet is Present or Not Applicable - Due Diligence Vendor-03/25/2022

Rescinded-n/a - Due Diligence Vendor-03/09/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-551

[redacted]

Closed

FCOM1797

2022-03-25 09:17

2022-03-25 13:39

Resolved

1 - Information

Compliance

Missing Doc

Missing Service Provider List

Resolved-resolved - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. Uploaded initial disclosures. Please see page 38 for SSPL - Seller-03/25/2022

Open-Service provider list is missing - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded initial disclosures. Please see page 38 for SSPL - Seller-03/25/2022

Resolved-resolved - Due Diligence Vendor-03/25/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-551

[redacted]

Closed

FCOM1252

2022-03-25 09:17

2022-03-25 13:38

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-received - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. Uploaded initial disclosure. Please see page 31 for initial LE - Seller-03/25/2022

Open-Initial Loan Estimate is missing in file - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded initial disclosure. Please see page 31 for initial LE - Seller-03/25/2022

Resolved-received - Due Diligence Vendor-03/25/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-551

[redacted]

Closed

FVAL1039

2022-03-10 08:43

2022-03-14 14:53

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/14/2022

Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-03/10/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/14/2022

[redacted]_[redacted]_[redacted]_3.4.2022.pdf
[redacted].pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-552

[redacted]

Closed

FCRE2109

2022-03-22 14:19

2022-03-24 15:30

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-received - Due Diligence Vendor-03/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-553

[redacted]

Closed

FPRO1245

2022-03-08 02:01

2022-03-17 05:24

Waived

2 - Non-Material

Property

Appraisal

Appraisal is Expired

Waived-Appraisal Expired 1/14/2022 - Due Diligence Vendor-03/17/2022

Rescinded-Primary Value Appraisal is Expired - Due Diligence Vendor-03/08/2022

All funds required for closing an down payment has already been made, new build. Must close by [redacted]
page 4

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-554

[redacted]

Closed

FCRE2109

2022-03-23 10:23

2022-03-24 13:03

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received. - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Resolved-received. - Due Diligence Vendor-03/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-555

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-556

[redacted]

Closed

FVAL1039

2022-03-14 09:47

2022-03-15 15:33

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/15/2022

Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-03/14/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/15/2022

[redacted]_[redacted]_[redacted]_3.4.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-557

[redacted]

Closed

FCRE7347

2022-03-22 10:37

2022-03-22 14:06

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease is received - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded lease agreement - Seller-03/22/2022

Open- - Due Diligence Vendor-03/14/2022

Ready for Review-Document Uploaded. Uploaded lease agreement - Seller-03/22/2022

Resolved-Lease is received - Due Diligence Vendor-03/22/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-558

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-559

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-560

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-561

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-562

[redacted]

Closed

FCOM1207

2022-03-22 09:52

2022-03-22 14:28

Resolved

1 - Information

Compliance

Closing

The Note is Not Executed

Resolved-Received executed note - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded executed note. - Seller-03/22/2022

Open-The Note is Not Executed - Due Diligence Vendor-03/14/2022

Open-The Note is Not Executed Note document borrower signature date is missing. - Due Diligence Vendor-03/10/2022

Ready for Review-Document Uploaded. Uploaded executed note. - Seller-03/22/2022

Resolved-Received executed note - Due Diligence Vendor-03/22/2022

[redacted] - NOTE.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-563

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-564

[redacted]

Closed

FPRO1245

2022-03-08 08:29

Waived

2 - Non-Material

Property

Appraisal

Appraisal is Expired

Waived-Appraisal expired [redacted]. Loan closed [redacted]. Mgmt Approved exception page - Due Diligence Vendor-03/08/2022

Waived-Appraisal expired 01/23/2022. Loan closed [redacted]. Mgmt Approved exception page - Due Diligence Vendor-03/08/2022

[redacted] Credit Score, 6 months LCR's, [redacted]% LTV

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-565

[redacted]

Closed

FCRE1145

2022-03-07 05:03

2022-03-17 06:08

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/17/2022

Open-Title Document is missing Missing Preliminary Commitment and Final Title Policy. Preliminary Report on page 222 and Supplemental Report on page 249 are both provided. - Due Diligence Vendor-03/07/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-566

[redacted]

Closed

FCRE2109

2022-03-23 11:40

2022-03-23 13:39

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-DSCR received - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Open-Residential DSCR calculation sheet is missing - Due Diligence Vendor-03/14/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Resolved-DSCR received - Due Diligence Vendor-03/23/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-566

[redacted]

Closed

FCRE1164

2022-03-11 22:24

2022-03-17 05:22

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-03/17/2022

Rescinded-on master policy page 151 - Due Diligence Vendor-03/17/2022

Open-Missing Flood Insurance Policy - Due Diligence Vendor-03/12/2022

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-03/17/2022

Rescinded-on master policy page 151 - Due Diligence Vendor-03/17/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-567

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-568

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-569

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-570

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-571

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-572

[redacted]

Closed

finding-3752

2022-03-25 14:31

2022-03-25 14:40

Resolved

1 - Information

Compliance

ComplianceEase

TRID Disclosure Dates and Personal Delivery Validation Test

Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. - Due Diligence Vendor-03/25/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Second Home

Purchase

[redacted]

XXXXXXX_2022-ATH2-572

[redacted]

Closed

FCOM1266

2022-03-25 09:27

2022-03-25 13:40

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/25/2022

Resolved-received - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. Uploaded initial disclosures. Please see page 12 for Home Counseling disclosure - Seller-03/25/2022

Open- - Due Diligence Vendor-03/15/2022

Ready for Review-Document Uploaded. Uploaded initial disclosures. Please see page 12 for Home Counseling disclosure - Seller-03/25/2022

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/25/2022

Resolved-received - Due Diligence Vendor-03/25/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Second Home

Purchase

[redacted]

XXXXXXX_2022-ATH2-572

[redacted]

Closed

FCOM1797

2022-03-25 09:28

2022-03-25 13:37

Resolved

1 - Information

Compliance

Missing Doc

Missing Service Provider List

Resolved-received - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. Uploaded initial disclosures. Please see page 33 for SSPL - Seller-03/25/2022

Open-Missing service provider list - Due Diligence Vendor-03/11/2022

Ready for Review-Document Uploaded. Uploaded initial disclosures. Please see page 33 for SSPL - Seller-03/25/2022

Resolved-received - Due Diligence Vendor-03/25/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Second Home

Purchase

[redacted]

XXXXXXX_2022-ATH2-572

[redacted]

Closed

FCOM1252

2022-03-25 09:27

2022-03-25 13:37

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-received. - Due Diligence Vendor-03/25/2022

Ready for Review-Document Uploaded. Uploaded initial disclosure. Please see page 21 for initial LE - Seller-03/25/2022

Open-Missing Initial Loan estimate on the file, unable to run compliance without LE, Provider list and the Homeowner counseling. - Due Diligence Vendor-03/11/2022

Ready for Review-Document Uploaded. Uploaded initial disclosure. Please see page 21 for initial LE - Seller-03/25/2022

Resolved-received. - Due Diligence Vendor-03/25/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Second Home

Purchase

[redacted]

XXXXXXX_2022-ATH2-573

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-574

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-575

[redacted]

Closed

FCRE2109

2022-03-23 14:29

2022-03-24 12:13

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Open-Lender Income Calculation Worksheet missing in the file. - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Resolved-received - Due Diligence Vendor-03/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-576

[redacted]

Closed

FVAL1039

2022-03-07 13:53

2022-03-12 08:40

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-BPO supports original appraisal. - Due Diligence Vendor-03/12/2022

Resolved-Document Uploaded. - Due Diligence Vendor-03/12/2022

Open-desk review needed. avm doesnt support - Due Diligence Vendor-03/07/2022

Resolved-BPO supports original appraisal. - Due Diligence Vendor-03/12/2022

Resolved-Document Uploaded. - Due Diligence Vendor-03/12/2022

[redacted]_[redacted]_[redacted]_3.4.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-577

[redacted]

Closed

FCRE1492

2022-03-09 09:03

Waived

2 - Non-Material

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Waived-Lender Granted Exception for cash out amount of $[redacted] exceeds $[redacted].

See page 7 - Due Diligence Vendor-03/09/2022

Excellent credit [redacted] credit score, low LTV [redacted]%, pride of ownership

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-578

[redacted]

Closed

FCOM8804

2022-03-22 15:04

2022-03-24 15:29

Resolved

1 - Information

Compliance

Missing Doc

Missing Loan program disclosure

Resolved-Bus disclosure received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded Business Purpose disclosure - Seller-03/22/2022

Open-Business purpose affidavit/disclosure missing - Due Diligence Vendor-03/15/2022

Ready for Review-Document Uploaded. Uploaded Business Purpose disclosure - Seller-03/22/2022

Resolved-Bus disclosure received - Due Diligence Vendor-03/24/2022

[redacted] - Business Purpose of Loan Cert.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-579

[redacted]

Closed

FCRE2109

2022-03-23 14:26

2022-03-24 12:20

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Open-missing DSCR worksheet - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Resolved-received - Due Diligence Vendor-03/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-580

[redacted]

Closed

FCRE6019

2022-03-24 12:48

2022-03-24 14:22

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/24/2022
Resolved-received - Due Diligence Vendor-03/24/2022
Ready for Review-Document Uploaded. Uploaded passport for Borrower 1 - Seller-03/24/2022
Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-03/09/2022
Open-Borrower 1 Citizenship Documentation Is Missing Borrower is a Foreign National from the UK, missing picture of passport #[redacted] as shown on the Notary page of Deed. - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded passport for Borrower 1 - Seller-03/24/2022

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/24/2022

Resolved-received - Due Diligence Vendor-03/24/2022

PASSPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-580

[redacted]

Closed

FCRE6914

2022-03-24 12:49

2022-03-24 14:22

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Citizenship Documentation Not Provided

Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/24/2022
Resolved-received. - Due Diligence Vendor-03/24/2022
Ready for Review-Document Uploaded. Uploaded passport for Borrower 2 - Seller-03/24/2022
Open-Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-03/09/2022
Open-Borrower 2 Citizenship Documentation Is Missing Borrower is a Foreign National from the UK, missing picture of passport #[redacted] as shown on the Notary page of Deed. - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded passport for Borrower 2 - Seller-03/24/2022

Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/24/2022

Resolved-received. - Due Diligence Vendor-03/24/2022

PASSPORT (1).pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-581

[redacted]

Closed

FCOM4247

2022-03-23 10:02

2022-03-24 13:13

Resolved

1 - Information

Compliance

Missing Doc

Missing HUD-1 Closing Statement

Resolved-received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded Final Closing Statement - Seller-03/23/2022

Open-Final HUD not in file - Due Diligence Vendor-03/15/2022

Ready for Review-Document Uploaded. Uploaded Final Closing Statement - Seller-03/23/2022

Resolved-received - Due Diligence Vendor-03/24/2022

[redacted] - FINAL CLOSING STATEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-581

[redacted]

Closed

FCRE1492

2022-03-09 15:17

Waived

2 - Non-Material

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Waived-Exception Request: (page 12)
Cash out proceeds exceeds $[redacted] - Due Diligence Vendor-03/09/2022

[redacted]% LTV, 474,000 liquid cash reserves, [redacted] average credit scores

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-582

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-583

[redacted]

Closed

FVAL1039

2022-03-09 11:31

2022-03-17 09:24

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/17/2022

[redacted]_[redacted]_[redacted]_3.4.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-584

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-585

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-586

[redacted]

Closed

FCOM4247

2022-03-24 12:33

2022-03-24 14:25

Resolved

1 - Information

Compliance

Missing Doc

Missing HUD-1 Closing Statement

Resolved-final HUD provided - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded Final HUD - Seller-03/24/2022

Open- - Due Diligence Vendor-03/15/2022

Ready for Review-Document Uploaded. Uploaded Final HUD - Seller-03/24/2022

Resolved-final HUD provided - Due Diligence Vendor-03/24/2022

FINAL CLOSING STATEMENT - [redacted]T113310.463.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-586

[redacted]

Closed

FCRE1145

2022-03-09 04:30

2022-03-17 05:35

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/17/2022

Open-Title Document is missing Missing Preliminary Commitment and Final Title Policy. Preliminary Report on page 87 and Supplemental Report on page 181 are provided. - Due Diligence Vendor-03/09/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-587

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-588

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXX_2022-ATH2-589

[redacted]

Closed

FCRE2109

2022-03-23 10:46

2022-03-23 13:45

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-DSCR received - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Open-DSCR calculation worksheet not provided - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Resolved-DSCR received - Due Diligence Vendor-03/23/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-590

[redacted]

Closed

FCOM4028

2022-03-08 11:02

2022-03-08 11:32

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-591

[redacted]

Closed

FCRE7347

2022-03-23 11:37

2022-03-23 13:42

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease received - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded lease agreement. - Seller-03/23/2022

Open-Lease missing - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded lease agreement. - Seller-03/23/2022

Resolved-Lease received - Due Diligence Vendor-03/23/2022

[redacted] - RENTAL_LEASE AGREEMENTS.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-591

[redacted]

Closed

FCRE5067

2022-03-23 11:37

2022-03-23 13:41

Resolved

1 - Information

Credit

Missing Doc

Missing 24 month chain of title

Resolved-Received title commitment - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded prelim and property profile. - Seller-03/23/2022

Open-no title chain in file - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded prelim and property profile. - Seller-03/23/2022

Resolved-Received title commitment - Due Diligence Vendor-03/23/2022

[redacted] - SUBJECT PROPERTY PROFILE.pdf

[redacted] - PRELIM TITLE REPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-592

[redacted]

Closed

FCRE7347

2022-03-23 12:55

2022-03-23 13:17

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease Received - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-03/23/2022

Open-Lease agreement not provided in document - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-03/23/2022

Resolved-Lease Received - Due Diligence Vendor-03/23/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-593

[redacted]

Closed

FCRE9806

2022-03-22 12:56

2022-03-22 13:46

Resolved

1 - Information

Credit

Eligibility

Other Credit Finding

Resolved-Received hud 1 - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded legible settlement statement - Seller-03/22/2022

Open-Settlement Statement is illegible. Unable to determine cash out amount and fees charges. - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded legible settlement statement - Seller-03/22/2022

Resolved-Received hud 1 - Due Diligence Vendor-03/22/2022

[redacted] - Final Settlement Statement.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-593

[redacted]

Closed

FCRE7347

2022-03-22 12:06

2022-03-22 13:22

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease Received - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-03/22/2022

Open- - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-03/22/2022

Resolved-Lease Received - Due Diligence Vendor-03/22/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-594

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-595

[redacted]

Closed

FVAL1039

2022-03-07 21:48

2022-03-12 17:22

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. - Due Diligence Vendor-03/13/2022

Resolved-Desk Review supports original appraisal
- Due Diligence Vendor-03/13/2022

[redacted]_[redacted]_[redacted]_3.4.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-596

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXX_2022-ATH2-597

[redacted]

Closed

FCRE2109

2022-03-22 14:04

2022-03-24 15:28

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Open- - Due Diligence Vendor-03/15/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-received - Due Diligence Vendor-03/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-597

[redacted]

Closed

FCOM4028

2022-03-08 14:08

2022-03-16 08:30

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/16/2022

Open-Missing evidence of Mortgage recording Mortgage to be recorded. - Due Diligence Vendor-03/14/2022

Rescinded-Missing evidence of Mortgage recording Mortgage to be recorded. - Due Diligence Vendor-03/08/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-598

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-599

[redacted]

Closed

FCRE1164

2022-03-14 09:35

2022-03-24 12:35

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-03/24/2022
Rescinded-Missing Flood Insurance Policy Correct, Missing Flood Insurance Policy
Appraisal states zone[redacted] only flood cert missing. not in flood zone-[redacted] - Due Diligence Vendor-03/14/2022

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-03/24/2022
Rescinded-Missing Flood Insurance Policy Correct, Missing Flood Insurance Policy
Appraisal states zone [redacted] only flood cert missing. not in flood zone-[redacted] - Due Diligence Vendor-03/14/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-599

[redacted]

Closed

FCRE1161

2022-03-23 10:32

2022-03-24 12:35

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/24/2022

Resolved-flood cert provided - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded Flood Cert - Seller-03/23/2022

Open-Missing Flood Certificate from file - Due Diligence Vendor-03/14/2022

Ready for Review-Document Uploaded. Uploaded Flood Cert - Seller-03/23/2022

Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/24/2022

Resolved-flood cert provided - Due Diligence Vendor-03/24/2022

[redacted] - FLOOD CERTIFICATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-600

[redacted]

Closed

FCRE7347

2022-03-23 13:00

2022-03-23 13:14

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Leases received - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded lease agreements. - Seller-03/23/2022

Open-Lease Agreements are missing. Subject is 3 units. Lease info provided on Appraisal on page 101. Term of lease and rent amount provided for each unit. - Due Diligence Vendor-03/10/2022

Ready for Review-Document Uploaded. Uploaded lease agreements. - Seller-03/23/2022

Resolved-Leases received - Due Diligence Vendor-03/23/2022

[redacted] - LEASE AGREEMENT 1.pdf

[redacted] - LEASE AGREEMENT - 3.pdf

[redacted] - LEASE AGREEMENT - 2.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-601

[redacted]

Closed

FCRE1167

2022-03-09 14:57

2022-03-16 08:33

Resolved

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided

Resolved-Per guidelines calc correctly - Due Diligence Vendor-03/16/2022
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of $[redacted] is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided Evidence of Property Insurance (page 154) is for $[redacted] with 100% Replacement Coverage. Replacement Cost Estimator by Insurer is not required in the State of [redacted] for qualifying or lending purposes. - Due Diligence Vendor-03/09/2022

Resolved-Per guidelines calc correctly - Due Diligence Vendor-03/16/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-602

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-603

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-604

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-605

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-606

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-607

[redacted]

Closed

FCRE2109

2022-03-22 12:21

2022-03-24 15:25

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Open-missing DSCR calculation sheet - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/22/2022

Resolved-received - Due Diligence Vendor-03/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-608

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-609

[redacted]

Closed

FCRE1201

2022-03-08 16:39

2022-05-03 04:13

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/03/2022

Open-Missing Third Party Fraud Report Foreign National -- no Fraud Report or OFAC Report found in file - Due Diligence Vendor-03/08/2022

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/03/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-609

[redacted]

Closed

FCRE2109

2022-03-23 10:26

2022-03-24 12:35

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-provided - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Open-Missing DSCR Calculation Worksheet - Due Diligence Vendor-03/08/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-03/23/2022

Resolved-provided - Due Diligence Vendor-03/24/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-610

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-611

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-612

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-613

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXX_2022-ATH2-614

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-615

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-616

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-617

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-618

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-619

[redacted]

Closed

FCOM4438

2022-04-05 09:01

2022-04-06 13:29

Resolved

1 - Information

Compliance

TRID

Final CD: Closing Date is missing or inaccurate

Resolved-final hud provided funded 3/1 - Due Diligence Vendor-04/06/2022
Ready for Review-Document Uploaded. Uploaded Final HUD; disbursement date is [redacted]. - Seller-04/05/2022
Open-2 HUDs on file, one has a closing date of [redacted] which matches the note and mortgage, and one with a closing date of [redacted].
Hazard insurance is dated [redacted] which is later than the [redacted] closing documents. - Due Diligence Vendor-03/21/2022

Ready for Review-Document Uploaded. Uploaded Final HUD; disbursement date is [redacted]. - Seller-04/05/2022

Resolved-final hud provided funded 3/1 - Due Diligence Vendor-04/06/2022

[redacted] - FINAL CLOSING STATEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-619

[redacted]

Closed

FCRE1159

2022-03-21 16:32

2022-03-31 15:13

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-per Lender funding sheet on page 335- funded on [redacted] after ins. - Due Diligence Vendor-03/31/2022
Open-Hazard Insurance Effective Date of [redacted] is after the Note Date of [redacted] - Due Diligence Vendor-03/21/2022

Resolved-per Lender funding sheet on page 335- funded on 3/1 after ins. - Due Diligence Vendor-03/31/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-619

[redacted]

Closed

FVAL1039

2022-03-22 16:08

2022-03-28 08:49

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-03/28/2022

Open-BPO on order
- Due Diligence Vendor-03/23/2022

Open-AVM does not support. - Due Diligence Vendor-03/22/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-03/28/2022

[redacted]_[redacted]_[redacted]_3.21.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-620

[redacted]

Closed

FCRE1159

2022-04-04 12:49

2022-04-06 13:34

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Updated insurance policy received. Finding resolved. - Due Diligence Vendor-04/06/2022
Ready for Review-Document Uploaded. Uploaded Hazard Insurance. - Seller-04/04/2022
Open-Hazard Insurance Effective Date of [redacted] is after the Note Date of [redacted] Hazard Insurance Policy (page 196) has effective date of [redacted] -- Note (page 254) and Recorded Mortgage (page 326) both dated [redacted] and signed [redacted] on day of closing. Hazard Insurance revision needed to reflect earlier date. - Due Diligence Vendor-03/21/2022

Ready for Review-Document Uploaded. Uploaded Hazard Insurance. - Seller-04/04/2022

Resolved-Updated insurance policy received. Finding resolved. - Due Diligence Vendor-04/06/2022

[redacted] - HAZARD INSURANCE.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-621

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-622

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-623

[redacted]

Closed

FCRE7347

2022-04-04 13:23

2022-04-06 11:56

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-04/04/2022

Open-missing - Due Diligence Vendor-03/21/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-04/04/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-624

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-625

[redacted]

Closed

FCRE1241

2022-04-05 12:57

2022-04-06 09:23

Resolved

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved-contract received. - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded purchase contract - Seller-04/05/2022

Open-As this loan is Purchase loan Purchase Contract is missing. - Due Diligence Vendor-03/28/2022

Ready for Review-Document Uploaded. Uploaded purchase contract - Seller-04/05/2022

Resolved-contract received. - Due Diligence Vendor-04/06/2022

[redacted] - PURCHASE CONTRACT.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-626

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-627

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-628

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-629

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-630

[redacted]

Closed

FCRE2109

2022-04-04 13:21

2022-04-06 13:37

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Open-Provide DSCR calculation worksheet - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-04/06/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-631

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-632

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-633

[redacted]

Closed

FCRE3464

2022-04-05 10:45

2022-04-06 12:55

Resolved

1 - Information

Credit

Missing Doc

Missing Closing/Final Verbal VOE

Resolved-Received FVOE - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded final VVOE - Seller-04/05/2022

Open- - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded final VVOE - Seller-04/05/2022

Resolved-Received FVOE - Due Diligence Vendor-04/06/2022

[redacted] - FINAL VERBAL VOE.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-634

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-635

[redacted]

Closed

FPRO1245

2022-03-21 17:04

2022-04-04 07:52

Waived

2 - Non-Material

Property

Appraisal

Appraisal is Expired

Waived-AVM and BPO both support original Value. - Due Diligence Vendor-04/04/2022

Waived-Broker appraisal is over 90 days old-expired on 2/17/2022 - Due Diligence Vendor-03/21/2022

Comp Factors: [redacted] credit score
Pg. 5

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-636

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-637

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Second Home

Purchase

XXXXXXX_2022-ATH2-638

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-639

[redacted]

Closed

FVAL1039

2022-03-22 05:13

2022-03-29 10:17

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal.
- Due Diligence Vendor-03/29/2022
Open-Document Uploaded. AVM estimated value is $[redacted] - under the 10% variance.
- AVM/BPO does not support value. Ordered desk review.

- Due Diligence Vendor-03/22/2022

Resolved-Document Uploaded. Desk Review supports original appraisal.
- Due Diligence Vendor-03/29/2022

[redacted]_[redacted]_[redacted]_3.21.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-640

[redacted]

Closed

FCOM1266

2022-04-05 11:28

2022-04-06 10:37

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/06/2022

Resolved-received initial docs - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 22 for Housing counseling disclsoure. - Seller-04/05/2022

Open-HOMEOWNERSHIP COUNSELING DISCLOSURE IS MISSING - Due Diligence Vendor-03/21/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 22 for Housing counseling disclsoure. - Seller-04/05/2022

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/06/2022

Resolved-received initial docs - Due Diligence Vendor-04/06/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-640

[redacted]

Closed

finding-3517

2022-04-05 11:22

2022-04-06 10:35

Resolved

1 - Information

Compliance

TRID

Written List of Service Providers Disclosure Date Test

Resolved-received initial docs - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 37 for SSPL. - Seller-04/05/2022

Open-Missing Service Provider List - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 37 for SSPL. - Seller-04/05/2022

Resolved-received initial docs - Due Diligence Vendor-04/06/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-640

[redacted]

Closed

FCOM1252

2022-04-05 11:24

2022-04-06 10:34

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-received initial docs - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded initial disclosures. Please see page 31 for initial LE. - Seller-04/05/2022

Open-Initial Loan Estimate is missing - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded initial disclosures. Please see page 31 for initial LE. - Seller-04/05/2022

Resolved-received initial docs - Due Diligence Vendor-04/06/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-640

[redacted]

Closed

FCRE1347

2022-03-24 12:50

2022-03-29 12:54

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/29/2022

Open-Borrower 1 &2 VVOE Document is missing in the file - Due Diligence Vendor-03/24/2022

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/29/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-641

[redacted]

Closed

FCRE7347

2022-04-04 16:21

2022-04-06 11:09

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-04/04/2022

Open-As this loan is refinance Lease Agreement is missing. - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-04/04/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-641

[redacted]

Closed

FPRO1242

2022-04-04 16:19

2022-04-06 11:09

Resolved

1 - Information

Property

Missing Doc

Appraisal is Missing

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded Appraisal - Seller-04/04/2022

Open-Appraisal is Missing - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded Appraisal - Seller-04/04/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted]_[redacted]_[redacted]_3.21.2022.pdf
[redacted] - APPRAISAL.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-642

[redacted]

Closed

FCOM1232

2022-03-21 17:16

2022-04-29 13:43

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-The Final 1003 is Present - Due Diligence Vendor-04/29/2022

Rescinded-Missing initial 1003 - Due Diligence Vendor-03/21/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-643

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-644

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXXXXX_2022-ATH2-645

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-646

[redacted]

Closed

FCRE1161

2022-04-04 16:48

2022-04-06 13:32

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-provided - Due Diligence Vendor-04/06/2022

Resolved-Flood Certificate is fully present - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded flood cert. - Seller-04/04/2022

Open-Missing Flood Certificate Flood Certificate document is missing in the file - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded flood cert. - Seller-04/04/2022

Resolved-provided - Due Diligence Vendor-04/06/2022

Resolved-Flood Certificate is fully present - Due Diligence Vendor-04/06/2022

[redacted] - FLOOD CERTIFICATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-647

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-648

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-649

[redacted]

Closed

FVAL4188

2022-03-21 13:29

Waived

2 - Non-Material

Property

Property Marketability Issues

Waived-Minimum sq feet for a condo =500. Subject condo is [redacted] - Due Diligence Vendor-03/21/2022

borrower FICO [redacted], [redacted]% LTV, condo has a full kitchen and ocean view, clean complex
PG 8

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-650

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-651

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-652

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-653

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-654

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-655

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-656

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-657

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-658

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-659

[redacted]

Closed

FCRE1241

2022-04-05 09:10

2022-04-06 13:26

Resolved

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded Purchase contract - Seller-04/05/2022

Open-Missing - Due Diligence Vendor-03/21/2022

Ready for Review-Document Uploaded. Uploaded Purchase contract - Seller-04/05/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - ADDENDUM TO CONTRACT.pdf

[redacted] - PURCHASE CONTRACT CLEAR COPY.pdf

[redacted] - PURCHASE CONTRACT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-659

[redacted]

Closed

FCRE6843

2022-04-05 09:10

2022-04-06 13:25

Resolved

1 - Information

Credit

Assets

Asset General

Resolved-EMD received - Due Diligence Vendor-04/06/2022
Ready for Review-Document Uploaded. Uploaded EMD and Source of EMD - Seller-04/05/2022
Open-EMD verification missing ($[redacted]) - Due Diligence Vendor-03/21/2022

Ready for Review-Document Uploaded. Uploaded EMD and Source of EMD - Seller-04/05/2022

Resolved-EMD received - Due Diligence Vendor-04/06/2022

[redacted] - EMD SOURCE.pdf

[redacted] - VERIFICATION EARNEST MONEY DEPOSIT TO TITLE.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-660

[redacted]

Closed

FCRE2109

2022-04-05 07:28

2022-04-06 12:53

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/05/2022

Open-DSCR Calculation sheet is missing in the file - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/05/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-661

[redacted]

Closed

FCRE2109

2022-04-04 13:27

2022-04-06 13:38

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Open-DSCR calculation sheet is missing in the file - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-04/06/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-662

[redacted]

Closed

FCOM8804

2022-04-19 09:41

2022-04-21 20:53

Resolved

1 - Information

Compliance

Missing Doc

Missing Loan program disclosure

Resolved-Business disclosure in pdf page 181 - Due Diligence Vendor-04/22/2022

Ready for Review-This is a business purpose loan there are no isclosure - Seller-04/19/2022

Open-Business Purpose disclosure not present. - Due Diligence Vendor-03/28/2022

Ready for Review-This is a business purpose loan there are no isclosure - Seller-04/19/2022

Resolved-Business disclosure in pdf page 181 - Due Diligence Vendor-04/22/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-662

[redacted]

Closed

FCRE2109

2022-04-13 09:23

2022-04-18 09:08

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-DSCR worksheet received - Due Diligence Vendor-04/18/2022
Ready for Review-Document Uploaded. Uploaded DSCR. - Seller-04/13/2022
Counter-Disagree. Program is BPD and requires a worksheet. - Due Diligence Vendor-04/06/2022
Ready for Review-Document Uploaded. Rate sheet dated [redacted], reflects NO DSCR. Uploaded rate sheet. - Seller-04/04/2022
Open-Lender income calculation worksheet missing in the file. - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR. - Seller-04/13/2022
Ready for Review-Document Uploaded. Rate sheet dated [redacted], reflects NO DSCR. Uploaded rate sheet. - Seller-04/04/2022

Resolved-DSCR worksheet received - Due Diligence Vendor-04/18/2022

[redacted] - Rate Sheet.pdf

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-663

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXX_2022-ATH2-664

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-665

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-666

[redacted]

Closed

FCRE2109

2022-04-04 16:23

2022-04-06 13:42

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Open-Lender income calculation worksheet missing in the file. - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-667

[redacted]

Closed

FCRE7810

2022-03-21 19:06

2022-03-29 13:31

Resolved

1 - Information

Credit

Title

Title issue

Resolved-- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/29/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-668

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-669

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-670

[redacted]

Closed

FCRE1241

2022-04-04 13:32

2022-04-06 13:44

Resolved

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved-Purchase contract provided. Finding resolved. - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded Purchase Contract - Seller-04/04/2022

Open-purchase contract is missing - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded Purchase Contract - Seller-04/04/2022

Resolved-Purchase contract provided. Finding resolved. - Due Diligence Vendor-04/06/2022

[redacted] - PURCHASE CONTRACT.pdf

[redacted] - ADDENDUM TO CONTRACT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-671

[redacted]

Closed

FCRE2109

2022-04-04 13:09

2022-04-06 13:25

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Open-MISSING DSCR CALCULATION WORK SHEET - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-04/06/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-671

[redacted]

Closed

FCOM4247

2022-04-04 13:07

2022-04-06 13:25

Resolved

1 - Information

Compliance

Missing Doc

Missing HUD-1 Closing Statement

Resolved-Final HUD received. Finding resolved. - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded final HUD - Seller-04/04/2022

Open-Final HUD missing. only have estimated and states subject to change - Due Diligence Vendor-03/28/2022

Ready for Review-Document Uploaded. Uploaded final HUD - Seller-04/04/2022

Resolved-Final HUD received. Finding resolved. - Due Diligence Vendor-04/06/2022

[redacted] - FINAL CLOSING STATEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-672

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-673

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-674

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-675

[redacted]

Closed

FCRE2109

2022-04-04 10:58

2022-04-06 12:58

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Open-Residential DSCR Calculation sheet is missing - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-04/06/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-676

[redacted]

Closed

FVAL1039

2022-03-23 10:44

2022-05-11 14:01

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Drive by appraisal received and supports value - Due Diligence Vendor-05/11/2022

Open-Desk review does not support as it is inconclusive. - Due Diligence Vendor-04/29/2022

Open-Document Uploaded. AVM does not support value, Ordered BPO.

AVM/BPO does not support value. Ordered desk review.

- Due Diligence Vendor-03/23/2022

Resolved-Drive by appraisal received and supports value - Due Diligence Vendor-05/11/2022

[redacted] - VOM.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-676

[redacted]

Closed

FCRE1764

2022-04-13 10:34

2022-04-18 09:00

Resolved

1 - Information

Credit

Missing Doc

Missing Verification of Mortgage

Resolved-Document uploaded clears findings - Due Diligence Vendor-04/18/2022
Ready for Review-Document Uploaded. Uploaded credit supplement reflecting VOM. - Seller-04/13/2022
Open-Missing subject property Mortgage rating - [redacted] for [redacted] original balance. - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded credit supplement reflecting VOM. - Seller-04/13/2022

Resolved-Document uploaded clears findings - Due Diligence Vendor-04/18/2022

[redacted] - HAZARD INSURANCE.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-676

[redacted]

Closed

FCRE1157

2022-04-04 16:00

2022-04-06 13:49

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded hazard insurance - Seller-04/04/2022

Open-Missing Hazard Insurance Policy No DEC Page found -file only contains an estimate analysis breakdown -page 141 - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded hazard insurance - Seller-04/04/2022

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/06/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-676

[redacted]

Closed

FCRE1156

2022-03-22 08:57

2022-04-06 13:48

Resolved

1 - Information

Credit

Insurance

Named Insured on Hazard Insurance does not match Borrower(s) Name(s)

Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-04/06/2022

Open-Named Insured does not match Borrower(s) Name(s) No DEC Page found -file only contains an estimate analysis breakdown -page 141 - Due Diligence Vendor-03/22/2022

Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-04/06/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-676

[redacted]

Seller

FVAL1039

2022-03-23 10:44

2022-04-29 14:07

Open

3 - Material

Property

Missing Doc

Appraised value unsupported

Open-Desk review does not support as it is inconclusive. - Due Diligence Vendor-04/29/2022

Open-Document Uploaded. AVM does not support value, Ordered BPO.

AVM/BPO does not support value. Ordered desk review.

- Due Diligence Vendor-03/23/2022

5371904_[redacted]_MissionGlobal_3.21.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-677

[redacted]

Closed

FCRE2109

2022-04-04 15:34

2022-04-06 13:52

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Open-Residential DSCR Calculation Sheet is missing. - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-678

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-679

[redacted]

Closed

FCOM1224

2022-04-11 17:29

2022-04-18 09:19

Resolved

1 - Information

Compliance

Missing Doc

Condo Rider is Missing

Resolved-Received Condo Rider - Due Diligence Vendor-04/18/2022

Ready for Review-Document Uploaded. Uploaded Condo Rider - Seller-04/11/2022

Open-Condo Rider is Missing. - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded Condo Rider - Seller-04/11/2022

Resolved-Received Condo Rider - Due Diligence Vendor-04/18/2022

Condo Rider.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-679

[redacted]

Closed

FCRE7756

2022-04-05 10:33

2022-04-06 10:52

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-04/06/2022

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-04/05/2022

Open-Credit Report is Missing. - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-04/05/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-04/06/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-679

[redacted]

Closed

FCRE1161

2022-04-05 10:33

2022-04-06 10:49

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present - Due Diligence Vendor-04/06/2022

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded Flood Certificate - Seller-04/05/2022

Open-Missing Flood Certificate - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded Flood Certificate - Seller-04/05/2022

Resolved-Flood Certificate is fully present - Due Diligence Vendor-04/06/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - FLOOD CERTIFICATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-680

[redacted]

Closed

FCOM3957

2022-03-25 07:58

2022-04-06 09:51

Resolved

1 - Information

Compliance

TRID

TRID: Initial Loan Estimate not provided within 3 days of application

Resolved- - Due Diligence Vendor-04/06/2022

Open- Initial Loan Estimate not provided within 3 days of application - Due Diligence Vendor-03/25/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-680

[redacted]

Closed

FCOM1797

2022-04-05 12:18

2022-04-06 09:51

Resolved

1 - Information

Compliance

Missing Doc

Missing Service Provider List

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 25 for SSPL. - Seller-04/05/2022

Open-Missing Service provider list in the file - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 25 for SSPL. - Seller-04/05/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-680

[redacted]

Closed

FCOM1266

2022-04-05 12:19

2022-04-06 09:51

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 7 for Home counseling disclosure. - Seller-04/05/2022

Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/21/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 7 for Home counseling disclosure. - Seller-04/05/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-681

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-682

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-683

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-684

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-685

[redacted]

Closed

FCRE2109

2022-04-11 17:33

2022-04-18 09:17

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-DSCR worksheet received - Due Diligence Vendor-04/18/2022

Ready for Review-Document Uploaded. Uploaded DSCR WORKSHEET - Seller-04/11/2022

Open-DSCR CALCULATION SHEET MISSING - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR WORKSHEET - Seller-04/11/2022

Resolved-DSCR worksheet received - Due Diligence Vendor-04/18/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-686

[redacted]

Closed

FVAL1039

2022-03-22 10:30

2022-03-30 16:15

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/30/2022

Open-Document Uploaded. Avm and appraised value difference more than 10.

AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-03/22/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/30/2022

[redacted]_[redacted]_[redacted]_3.21.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-687

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-688

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXX_2022-ATH2-689

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-690

[redacted]

Closed

FCRE6019

2022-04-27 12:04

2022-04-29 09:04

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved- - Due Diligence Vendor-04/29/2022

Ready for Review-Document Uploaded. Uploaded borrower signed Revised 1003. - Seller-04/27/2022

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/22/2022

Resolved-Borrower is US citizen - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Please accept this letter to serve as our intent to obtain a corrected Loan Application/1003 for the above-mentioned loan/property. The correction is to amend an error for the borrower’s U.S. Citizenship status on Section VIII Declarations from Resident Alien to Citizen. The attached Loan Application has been sent to the borrower and Loan Officer to be signed.

Uploaded revised 1003 and letter of intent. - Seller-04/20/2022

Open-Borrower 1 Citizenship Documentation Is Missing 1003 has non perm marked. missing citizenship doc - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded borrower signed Revised 1003. - Seller-04/27/2022

Ready for Review-Document Uploaded. Please accept this letter to serve as our intent to obtain a corrected Loan Application/1003 for the above-mentioned loan/property. The correction is to amend an error for the borrower’s U.S. Citizenship status on Section VIII Declarations from Resident Alien to Citizen. The attached Loan Application has been sent to the borrower and Loan Officer to be signed.

Uploaded revised 1003 and letter of intent. - Seller-04/20/2022

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/22/2022

Resolved-Borrower is US citizen - Due Diligence Vendor-04/22/2022

[redacted] - Letter of Intent - 1003 Citizenship.pdf

[redacted] - Revised Final 1003.pdf

1003 APPLICATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-691

[redacted]

Closed

FCRE2109

2022-04-04 14:29

2022-04-06 13:46

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Open-Missing DSCR Worksheet - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-04/06/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-692

[redacted]

Closed

FCRE2109

2022-04-04 16:15

2022-04-06 13:46

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Open-DSCR worksheet missing - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-693

[redacted]

Closed

FCRE2109

2022-04-05 09:38

2022-04-06 12:06

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-rcvd - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/05/2022

Open-Missing DSCR worksheet - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/05/2022

Resolved-rcvd - Due Diligence Vendor-04/06/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-693

[redacted]

Closed

FCRE1241

2022-04-05 09:38

2022-04-06 12:06

Resolved

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved-received - Due Diligence Vendor-04/06/2022
Ready for Review-Document Uploaded. Uploaded Addendum to purchase contract - Seller-04/05/2022
Open-Missing addendum raising the purchase price to $[redacted] - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded Addendum to purchase contract - Seller-04/05/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - Agreement to Amend Contract.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-694

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-695

[redacted]

Closed

FCRE1151

2022-04-05 09:34

2022-04-06 11:08

Resolved

1 - Information

Credit

Title

Satisfactory Chain of Title not Provided

Resolved-deed shows [redacted] as our borrower - Due Diligence Vendor-04/06/2022
Ready for Review-Document Uploaded. Uploaded Recorded Warranty Deed - Seller-04/05/2022
Open-missing proor borr owns [redacted]. [redacted] was in title at time of close and this is refi - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded Recorded Warranty Deed - Seller-04/05/2022

Resolved-deed shows [redacted] as our borrower - Due Diligence Vendor-04/06/2022

[redacted] - Recorded Warranty Deed.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-696

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-697

[redacted]

Closed

FCOM4028

2022-03-22 11:13

2022-03-28 08:58

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-698

[redacted]

Closed

FCRE2109

2022-04-11 17:38

2022-04-18 09:16

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Received DSCR worksheet - Due Diligence Vendor-04/18/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/11/2022

Open-Missing DSCR calculation worksheet - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/11/2022

Resolved-Received DSCR worksheet - Due Diligence Vendor-04/18/2022

[redacted] - DSCR CALCULATION.pdf

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-699

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-700

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-701

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-702

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-703

[redacted]

Closed

FCRE2109

2022-04-04 10:15

2022-04-06 12:56

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-04/06/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-704

[redacted]

Closed

FCRE6843

2022-04-13 09:42

2022-04-18 09:07

Resolved

1 - Information

Credit

Assets

Asset General

Resolved-Received bank statments - Due Diligence Vendor-04/18/2022
Ready for Review-Document Uploaded. [redacted] account was opened [redacted]. Full 60 days are not avaliable. Please see Jan & Feb [redacted] statement. Funds went into [redacted]. Uploaded bank statements.
- Seller-04/13/2022
Open-[redacted] missing 60 days (only have 1/18 - 2/9) - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. [redacted] account was opened [redacted]. Full 60 days are not avaliable. Please see Jan & Feb [redacted] statement. Funds went into [redacted]. Uploaded bank statements.
- Seller-04/13/2022

Resolved-Received bank statments - Due Diligence Vendor-04/18/2022

[redacted] - [redacted] Jan.pdf
[redacted] - [redacted] Feb.pdf
[redacted] - [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-705

[redacted]

Closed

FCRE2109

2022-04-05 07:47

2022-04-06 12:19

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved- - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. DSCR - Seller-04/05/2022

Open-Residential DSCR Calculation sheet is missing - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. DSCR - Seller-04/05/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-706

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-707

[redacted]

Closed

FCRE2109

2022-04-05 07:32

2022-04-06 12:52

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/05/2022

Open-DSCR LENDER INCOME CALCULATION WORKSHEET IS MISSING - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/05/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-708

[redacted]

Closed

FPRO1245

2022-03-23 05:39

2022-03-23 06:30

Waived

2 - Non-Material

Property

Appraisal

Appraisal is Expired

Waived-Primary Value Appraisal is Expired Appraisal exception form we got in PG NO:205.
EXPIRED APPRAISAL (120 DAYS)- APPRAISAL DATED ([redacted]),EXPIRED DATED([redacted]) - Due Diligence Vendor-03/23/2022
Open-Primary Value Appraisal is Expired - Due Diligence Vendor-03/23/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-709

[redacted]

Closed

FCRE2109

2022-04-04 16:25

2022-04-06 13:42

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Open-DSCR LENDER INCOME CALCULATION SHEET IS MISSING - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-709

[redacted]

Closed

FVAL1039

2022-03-23 07:45

2022-03-29 10:42

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/29/2022

Open-Document Uploaded. AVM & APPRAISAL VALUE MORE THAN 10%

-BPO on order
-AVM/BPO does not support value. Ordered desk review.

- Due Diligence Vendor-03/23/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/29/2022

[redacted]_[redacted]_[redacted]_3.21.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-710

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-711

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-712

[redacted]

Closed

finding-3732

2022-04-06 12:09

2022-04-06 12:50

Resolved

1 - Information

Compliance

TRID

TRID Total of Payments Test

Open-This loan failed the TRID total of payments test. ( 12 CFR §1026.38(o)(1) )The total of payments is $[redacted]. The disclosed total of payments of $[redacted] is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-04/06/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-712

[redacted]

Closed

finding-47

2022-04-06 12:09

2022-04-06 12:34

Resolved

1 - Information

Compliance

Right to Rescind

TILA Right of Rescission Test

Open-This loan failed the TILA right of rescission test.

Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-04/06/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-712

[redacted]

Closed

FCOM1271

2022-03-23 11:20

2022-04-06 12:26

Resolved

1 - Information

Compliance

Missing Doc

CHARM Booklet is Missing

Resolved-CHARM Booklet is Present or Not Applicable - Due Diligence Vendor-04/06/2022

Open-CHARM Booklet is missing - Due Diligence Vendor-03/23/2022

Resolved-CHARM Booklet is Present or Not Applicable - Due Diligence Vendor-04/06/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-712

[redacted]

Closed

finding-3631

2022-04-06 12:09

2022-04-06 12:11

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-712

[redacted]

Closed

finding-3632

2022-04-06 12:09

2022-04-06 12:11

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-712

[redacted]

Closed

finding-3634

2022-04-06 12:09

2022-04-06 12:11

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $30.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/06/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-712

[redacted]

Closed

FCOM1797

2022-04-05 10:53

2022-04-06 10:53

Resolved

1 - Information

Compliance

Missing Doc

Missing Service Provider List

Resolved- - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. See page 23 for SSPL. - Seller-04/05/2022

Open-Missing Service Provider list - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. See page 23 for SSPL. - Seller-04/05/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-712

[redacted]

Closed

FCOM1252

2022-04-05 10:55

2022-04-06 10:52

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved- - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. See page 14 for initial LE. - Seller-04/05/2022

Open-Missing Loan Estimate - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. See page 14 for initial LE. - Seller-04/05/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-713

[redacted]

Closed

FCOM1257

2022-03-28 16:21

2022-03-31 15:24

Resolved

1 - Information

Compliance

Missing Doc

Missing Change of Circumstance

Resolved-Lender addressed. Per Lender- COC describes the same fee shown on the CD, and there are no other LEs or CDs issued. The CD and COC in question were signed/dated by the borrower on the same day. Appears to be clerical error - Due Diligence Vendor-03/31/2022
Open-Need COC dated [redacted] for $17600 broker fee. The COC in file is dated [redacted] and the CD that contains the re-disclosure is dated[redacted]. - Due Diligence Vendor-03/28/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-714

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-715

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-716

[redacted]

Closed

FCRE2109

2022-04-04 16:27

2022-04-06 13:39

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Open-Lender Income Calculation Worksheet missing in the file. - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-717

[redacted]

Closed

FCRE1347

2022-04-05 13:58

2022-04-06 09:22

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/06/2022

Resolved-received. - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded VVOE. - Seller-04/05/2022

Open-Borrower 2 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded VVOE. - Seller-04/05/2022

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/06/2022

Resolved-received. - Due Diligence Vendor-04/06/2022

[redacted] - Verbal VOE - [redacted].pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-717

[redacted]

Closed

FCRE3464

2022-04-05 13:58

2022-04-06 09:21

Resolved

1 - Information

Credit

Missing Doc

Missing Closing/Final Verbal VOE

Resolved-resolved as VOE received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded VVOE. - Seller-04/05/2022

Open-Missing VVOE for B1 - Due Diligence Vendor-03/28/2022

Ready for Review-Document Uploaded. Uploaded VVOE. - Seller-04/05/2022

Resolved-resolved as VOE received - Due Diligence Vendor-04/06/2022

[redacted] - Verbal VOE - [redacted].pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-718

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-719

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXX_2022-ATH2-720

[redacted]

Closed

FVAL1039

2022-03-21 12:56

2022-03-29 10:22

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal.
- Due Diligence Vendor-03/29/2022

Open-Document Uploaded. Value is less than the 10% variance. Field review needed.

BPO on order.

AVM/BPO does not support value. Ordered desk review.

- Due Diligence Vendor-03/21/2022

Resolved-Document Uploaded. Desk Review supports original appraisal.
- Due Diligence Vendor-03/29/2022

[redacted]_[redacted]_[redacted]_3.21.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-721

[redacted]

Closed

FVAL1039

2022-03-23 04:53

2022-03-31 15:45

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/31/2022

Open-Document Uploaded. Confidence score of AVM below 70%.

BPO on order

AVM/BPO does not support value. Ordered desk review.

- Due Diligence Vendor-03/23/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/31/2022

[redacted]_[redacted]_[redacted]_3.21.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-722

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-723

[redacted]

Closed

FCRE2109

2022-04-04 15:28

2022-04-06 13:48

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Document received. Finding resolved. - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Open-No DSCR Calculation sheet present - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Resolved-Document received. Finding resolved. - Due Diligence Vendor-04/06/2022

[redacted] - DSCR CALCULATION.pdf

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-723

[redacted]

Closed

FVAL1039

2022-03-22 11:28

2022-03-30 16:32

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/30/2022
Open-Document Uploaded. AVM condition adjusted does not support Appraised value of [redacted]. BPO on order.

AVM/BPO does not support value. Ordered desk review.

- Due Diligence Vendor-03/22/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/30/2022

[redacted]_[redacted]_[redacted]_3.21.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-724

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXX_2022-ATH2-725

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-726

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-727

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-728

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-729

[redacted]

Closed

FCRE1347

2022-04-05 11:43

2022-04-06 10:28

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/06/2022

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded VVOE - Seller-04/05/2022

Open-Borrower 2 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded VVOE - Seller-04/05/2022

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/06/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - FINAL VERBAL VOE - [redacted].pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-729

[redacted]

Closed

FCRE1328

2022-03-24 11:21

2022-04-06 10:28

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 W2/1099 Missing

Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-04/06/2022

Open-Borrower 1 W2/1099 Missing - Due Diligence Vendor-03/24/2022

Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-04/06/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-729

[redacted]

Closed

FCRE1360

2022-04-05 11:42

2022-04-06 10:28

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Paystubs Missing

Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/06/2022

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded earnings history/paystub. - Seller-04/05/2022

Open-Borrower 2 Paystubs Missing - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded earnings history/paystub. - Seller-04/05/2022

Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/06/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - PAYSTUBS - [redacted].pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-729

[redacted]

Closed

FCRE1358

2022-03-24 11:21

2022-04-06 10:28

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 W2/1099 Missing

Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/06/2022

Open-Borrower 2 W2/1099 Missing - Due Diligence Vendor-03/24/2022

Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/06/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-729

[redacted]

Closed

FCRE1330

2022-03-24 11:21

2022-04-06 10:28

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Paystubs Missing

Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-04/06/2022

Open-Borrower 1 Paystubs Missing Borrower 1 and Borrower 2 Paystubs and WS are Missing. - Due Diligence Vendor-03/24/2022

Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-04/06/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-729

[redacted]

Closed

FCRE1145

2022-03-22 05:54

2022-03-29 12:57

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/29/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-730

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-731

[redacted]

Closed

FCRE2109

2022-04-05 08:26

2022-04-06 12:09

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/05/2022

Open-DSCR calculation sheet is missing in the file - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/05/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-732

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-733

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-734

[redacted]

Closed

FCRE7347

2022-04-04 11:51

2022-04-06 12:02

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-04/04/2022

Open-Lease agreement not provided in PDF, property is a refinance. - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-04/04/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-735

[redacted]

Closed

FVAL1039

2022-03-22 13:17

2022-04-19 09:10

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal.
- Due Diligence Vendor-04/19/2022

Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-04/07/2022

Open-AVM has a confidence score of 55.

BPO on order
- Due Diligence Vendor-03/22/2022

Resolved-Document Uploaded. Desk Review supports original appraisal.
- Due Diligence Vendor-04/19/2022

[redacted]_[redacted]_[redacted]_3.21.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-735

[redacted]

Closed

FPRO1137

2022-03-22 13:04

2022-03-31 15:10

Resolved

1 - Information

Property

Appraisal

The appraiser was not licensed (Primary Value)

Resolved-Per [redacted].gov licensed before appraisal was performed. Lender provided web address to confirm - Due Diligence Vendor-03/31/2022
Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Per Appraisers Licencing website the Appraisers license is effective 3/1/2022 - 2/29/2024. This matches the Appraisers License in the file. Missing evidence of prior license. - Due Diligence Vendor-03/22/2022

Resolved-Per [redacted].gov licensed before appraisal was performed. Lender provided web address to confirm - Due Diligence Vendor-03/31/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-736

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-737

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-738

[redacted]

Closed

FCOM1266

2022-04-05 10:39

2022-04-06 10:54

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/06/2022

Resolved- - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. See page 18 for Home Counseling Disclosure. - Seller-04/05/2022

Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/21/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. See page 18 for Home Counseling Disclosure. - Seller-04/05/2022

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/06/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-738

[redacted]

Closed

FCOM1252

2022-04-05 10:41

2022-04-06 10:54

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved- - Due Diligence Vendor-04/06/2022
Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 27 for initial LE. Please see page 33 for SSPL. - Seller-04/05/2022
Open-Initial LE is missing from the file. Please send LE dated around [redacted]. and please send the Service provider list as well with the LE - Due Diligence Vendor-03/24/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 27 for initial LE. Please see page 33 for SSPL. - Seller-04/05/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-739

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-740

[redacted]

Closed

FCRE7347

2022-04-04 15:00

2022-04-06 11:25

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-04/04/2022

Open-missing - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded Lease Agreement - Seller-04/04/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-740

[redacted]

Closed

FCRE3931

2022-04-04 15:03

2022-04-06 11:25

Resolved

1 - Information

Credit

Eligibility

Other Credit Finding 1

Resolved-received - Due Diligence Vendor-04/06/2022
Ready for Review-Document Uploaded. Uploaded payment history. - Seller-04/04/2022
Open-Pay history for [redacted] - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded payment history. - Seller-04/04/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - VERIFICATION OF MORTGAGE.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-741

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXX_2022-ATH2-742

[redacted]

Closed

FCRE2109

2022-04-05 07:39

2022-04-06 12:21

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved- - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/05/2022

Open-Missing DSCR Calculation Worksheet - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/05/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-743

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-744

[redacted]

Closed

FCRE2109

2022-04-19 09:45

2022-04-21 20:50

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-DSCR calc received - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded the DSCR - Seller-04/19/2022

Open-DSCR calculation worksheet not provided - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded the DSCR - Seller-04/19/2022

Resolved-DSCR calc received - Due Diligence Vendor-04/22/2022

[redacted]-Backend DSCR Form.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-745

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-746

[redacted]

Closed

FCRE2109

2022-04-05 08:29

2022-04-06 12:08

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/05/2022

Open-DSCR CALCULATION SHEET IS MISSING IN THE FILE - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/05/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-747

[redacted]

Closed

FVAL1039

2022-03-21 20:19

2022-03-30 16:21

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/30/2022

Open-Document Uploaded. AVM does not support value, Ordered BPO.

AVM/BPO does not support value. Ordered desk review.

- Due Diligence Vendor-03/22/2022

Resolved-Document Uploaded. Desk Review supports original appraisal
- Due Diligence Vendor-03/30/2022

[redacted]_[redacted]_[redacted]_3.21.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-748

[redacted]

Closed

FCOM2680

2022-04-04 13:03

2022-04-06 13:36

Resolved

1 - Information

Compliance

Missing Doc

Missing disbursement date on final HUD-1

Resolved-Updated settlement statement received. Finding resolved. - Due Diligence Vendor-04/06/2022
Ready for Review-Document Uploaded. Uploaded Final HUD - Seller-04/04/2022
Open-HUD (pg 163) - Prepared dated [redacted] - Settlement date [redacted] and the Disbursement date is [redacted]. These dates are not consistant with the Note date of [redacted] and Notarized date of [redacted]. - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded Final HUD - Seller-04/04/2022

Resolved-Updated settlement statement received. Finding resolved. - Due Diligence Vendor-04/06/2022

[redacted] - Final HUD.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-749

[redacted]

Closed

finding-47

2022-04-06 10:02

2022-04-08 08:42

Resolved

1 - Information

Compliance

Right to Rescind

TILA Right of Rescission Test

Resolved- pg 688 reflects funding date of [redacted] - Due Diligence Vendor-04/08/2022

Open-Closing date and Disbursement date are same due to which the compliance report is generated moderate. - Due Diligence Vendor-04/06/2022

Open-This loan failed the TILA right of rescission test.

Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-04/06/2022

Resolved- pg 688 reflects funding date of [redacted] - Due Diligence Vendor-04/08/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-749

[redacted]

Closed

FCOM1266

2022-04-05 12:43

2022-04-06 10:19

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 22 for Home counseling disclosure. - Seller-04/05/2022

Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/21/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 22 for Home counseling disclosure. - Seller-04/05/2022

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/06/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-749

[redacted]

Closed

finding-3624

2022-04-06 10:02

2022-04-06 10:13

Resolved

1 - Information

Compliance

TRID

TRID "Section A. Origination Charges" Validation Test

Open-This loan failed the TRID "Section A. Origination Charges" validation test.This loan contains a fee or fees where "compensation to" is set to a party other than lender or broker, but this fee or fees should not be retained by any party other than the lender or broker."Section A. Origination Charges" should contain an itemization of each amount, and a subtotal of all such amounts, that the consumer will pay to each creditor and loan originator for originating and extending the credit. - Due Diligence Vendor-04/06/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-749

[redacted]

Closed

FCOM1080

2022-04-05 12:42

2022-04-06 09:27

Resolved

1 - Information

Compliance

TRID

Service provider list not provided within 3 days of application

Resolved- - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 37 for SSPL. - Seller-04/05/2022

Open-Provide SPL - Due Diligence Vendor-03/21/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 37 for SSPL. - Seller-04/05/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-749

[redacted]

Closed

FCOM3957

2022-04-05 12:39

2022-04-06 09:26

Resolved

1 - Information

Compliance

TRID

TRID: Initial Loan Estimate not provided within 3 days of application

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 31 for initial LE. - Seller-04/05/2022

Open-Provide initial and any other LEs. - Due Diligence Vendor-03/21/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 31 for initial LE. - Seller-04/05/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-750

[redacted]

Closed

FCRE1159

2022-04-05 08:02

2022-04-06 12:17

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-updated policy received - Due Diligence Vendor-04/06/2022
Resolved-Hazard Insurance Effective Date of [redacted]2 is after the Note Date of [redacted] - Due Diligence Vendor-04/06/2022
Ready for Review-Document Uploaded. Uploaded Hazard Insurance effective [redacted] to [redacted]. - Seller-04/05/2022
Open-Provide proof of insurance from prior to [redacted]. Hazard Insurance Effective Date of [redacted] is after the Note Date of [redacted] Note *- Master PUD Policy in file -page 189 covering property effective [redacted]. Loan closed [redacted] - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded Hazard Insurance effective [redacted]. - Seller-04/05/2022

Resolved-updated policy received - Due Diligence Vendor-04/06/2022
Resolved-Hazard Insurance Effective Date of [redacted] is after the Note Date of [redacted] - Due Diligence Vendor-04/06/2022

[redacted] - INSURANCE-SERVICING.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-750

[redacted]

Closed

FCRE2109

2022-04-05 08:00

2022-04-06 12:16

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved- - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/05/2022

Open-No DSCR Calculation sheet present - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/05/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-751

[redacted]

Closed

FCRE8962

2022-04-19 09:47

2022-04-21 20:47

Resolved

1 - Information

Credit

Eligibility

PITI Reserves does not meet eligibility requirement(s)

Resolved-Documents clear finding - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. They have 373k in the account? See statements in file
- Seller-04/19/2022

Open-Executive summary shows 3 months LCRs required. Account statements not provided to support reserve requirement. - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. They have 373k in the account? See statements in file
- Seller-04/19/2022

Resolved-Documents clear finding - Due Diligence Vendor-04/22/2022

BANK STATEMENTS - 2022-04-[redacted].020.pdf
BANK STATEMENTS - 2022-04-[redacted].529.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-751

[redacted]

Closed

FCRE7347

2022-04-04 14:39

2022-04-06 11:27

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-04/04/2022

Open-Occupied property, lease not provided - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded Lease agreement - Seller-04/04/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-752

[redacted]

Closed

FCRE2109

2022-04-11 17:47

2022-04-18 09:11

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Received DSCR worksheet - Due Diligence Vendor-04/18/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/11/2022

Open-missing lender income calculation worksheet - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/11/2022

Resolved-Received DSCR worksheet - Due Diligence Vendor-04/18/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-753

[redacted]

Closed

FCRE7756

2022-04-05 12:52

2022-04-06 09:16

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-04/06/2022

Resolved-received. - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-04/05/2022

Open-Credit Report is Missing; only credit disclosure stmt provided (pg30) - Due Diligence Vendor-03/23/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-04/05/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-04/06/2022

Resolved-received. - Due Diligence Vendor-04/06/2022

[redacted] - LENDER CREDIT REPORT.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-754

[redacted]

Closed

FCRE1177

2022-04-13 08:42

2022-04-18 09:09

Resolved

1 - Information

Credit

Insurance

HO6 Insurance Policy Expiration Date is before the Note Date

Resolved-Document received clears finding - Due Diligence Vendor-04/18/2022
Ready for Review-Document Uploaded. Uploaded hazard insurance - Seller-04/13/2022
Open-HO-6 Insurance Policy Expiration Date of [redacted] is prior to the Note Date of [redacted] 2 Binders in file on pages 156 and 206. Both binders have beginning and expiration dates of [redacted]. - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded hazard insurance - Seller-04/13/2022

Resolved-Document received clears finding - Due Diligence Vendor-04/18/2022

[redacted] - Hazard Insurance.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-754

[redacted]

Closed

FCRE2109

2022-04-04 16:45

2022-04-06 12:55

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Open- - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/04/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - DSCR CALCULATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-754

[redacted]

Closed

FCRE1161

2022-04-04 16:45

2022-04-06 12:55

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded Flood Cert. - Seller-04/04/2022

Open-Missing Flood Certificate Flood Certificate is missing from file. - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded Flood Cert. - Seller-04/04/2022

Resolved-received - Due Diligence Vendor-04/06/2022

[redacted] - FLOOD CERTIFICATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-755

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-756

[redacted]

Closed

FCOM2680

2022-04-05 08:48

2022-04-06 13:31

Resolved

1 - Information

Compliance

Missing Doc

Missing disbursement date on final HUD-1

Resolved-final HUD received - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded final HUD - Seller-04/05/2022

Open-HUD1 missing Settlement Date and Disbursement Date. HUD (pg210) settlement and disbursement dates are blank. - Due Diligence Vendor-03/22/2022

Ready for Review-Document Uploaded. Uploaded final HUD - Seller-04/05/2022

Resolved-final HUD received - Due Diligence Vendor-04/06/2022

[redacted] - FINAL CLOSING STATEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-757

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-758

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-759

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-760

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-761

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-762

[redacted]

Closed

FCRE6019

2022-04-19 09:22

2022-04-22 08:47

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/22/2022

Resolved-received - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded passport. - Seller-04/19/2022

Open-Borrower 1 Citizenship Documentation Is Missing B is FN. File is missing residency documentation. - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded passport. - Seller-04/19/2022

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/22/2022

Resolved-received - Due Diligence Vendor-04/22/2022

[redacted] - PASSPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-763

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-764

[redacted]

Closed

FCOM3571

2022-04-06 05:14

2022-04-12 15:12

Resolved

1 - Information

Compliance

Closing

HUD-1 not executed properly

Resolved- - Due Diligence Vendor-04/12/2022

Open-missing seller signature - Due Diligence Vendor-04/06/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-765

[redacted]

Closed

FVAL1039

2022-04-07 02:26

2022-04-14 09:45

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal.
- Due Diligence Vendor-04/14/2022

Open-Document Uploaded. Unsupported Appraised Value - AVM has less Confidence Score (50).___AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-04/07/2022

Resolved-Document Uploaded. Desk Review supports original appraisal.
- Due Diligence Vendor-04/14/2022

[redacted]_[redacted]_[redacted]_4.5.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-766

[redacted]

Closed

FCRE1161

2022-04-20 09:22

2022-04-22 07:24

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-received - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded Flood cert. - Seller-04/20/2022

Open-Missing Flood Certificate - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded Flood cert. - Seller-04/20/2022

Resolved-received - Due Diligence Vendor-04/22/2022

[redacted] - FLOOD CERTIFICATION.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Debt Consolidation

[redacted]

XXXXXXX_2022-ATH2-767

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-768

[redacted]

Closed

finding-3837

2022-04-06 08:53

2022-04-22 12:18

Resolved

1 - Information

Compliance

ComplianceEase

Initial Loan Estimate Delivery Date Test (prior to consummation)

Rescinded-This loan failed the initial loan estimate delivery date test (prior to consummation) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(B) )The initial loan estimate delivery date is less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orThe initial loan estimate delivery date is on or after consummation of the transaction.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i) (provision of loan estimate form) not later than the seventh business day before consummation of the transaction. - Due Diligence Vendor-04/06/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-768

[redacted]

Closed

finding-3631

2022-04-06 08:53

2022-04-22 12:18

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-768

[redacted]

Closed

finding-3632

2022-04-06 08:53

2022-04-22 12:18

Resolved

1 - Information

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-768

[redacted]

Closed

finding-3838

2022-04-06 08:53

2022-04-22 12:18

Resolved

1 - Information

Compliance

ComplianceEase

Written List of Service Providers Disclosure Date Test

Rescinded-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( 12 CFR §1026.19(e)(1)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). - Due Diligence Vendor-04/06/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-768

[redacted]

Closed

finding-3634

2022-04-06 08:53

2022-04-22 12:18

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Rescinded-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $8,225.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/06/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-768

[redacted]

Closed

finding-3635

2022-04-06 08:53

2022-04-22 12:18

Resolved

1 - Information

Compliance

TRID

Charges That In Total Cannot Increase More Than 10% Test

Rescinded-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($3,226.20) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/06/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-768

[redacted]

Closed

finding-3517

2022-04-19 16:39

2022-04-22 07:38

Resolved

1 - Information

Compliance

TRID

Written List of Service Providers Disclosure Date Test

Resolved-received initial app package - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 23 for SSPL. - Seller-04/19/2022

Open-WLOP is missing in the file - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 23 for SSPL. - Seller-04/19/2022

Resolved-received initial app package - Due Diligence Vendor-04/22/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-768

[redacted]

Closed

finding-3515

2022-04-19 16:40

2022-04-22 07:38

Resolved

1 - Information

Compliance

TRID

Initial Loan Estimate Delivery Date Test (from application)

Resolved-received initial app package - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 14 for LE. - Seller-04/19/2022

Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Initial LE is missing in the file - Due Diligence Vendor-04/06/2022

Rescinded-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. Please see page 14 for LE. - Seller-04/19/2022

Resolved-received initial app package - Due Diligence Vendor-04/22/2022

Rescinded-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-04/06/2022

[redacted] - EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-768

[redacted]

Closed

FCOM1266

2022-04-19 16:22

2022-04-22 07:38

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. See page 5 for Home Counseling disclosure. - Seller-04/19/2022

Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded executed initial disclosures. See page 5 for Home Counseling disclosure. - Seller-04/19/2022

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/22/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-768

[redacted]

Closed

FCOM1231

2022-04-19 16:39

2022-04-22 07:37

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-04/22/2022

Resolved-received - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded initial 1003 - Seller-04/19/2022

Open-The Initial 1003 is Missing and the 1003 Page Occupancy Status is 'Primary Residence'. - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded initial 1003 - Seller-04/19/2022

Resolved-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-04/22/2022

Resolved-received - Due Diligence Vendor-04/22/2022

[redacted] - INITIAL SIGNED.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-769

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-770

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-771

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-772

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-773

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-774

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-775

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-776

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Second Home

Purchase

XXXXXXX_2022-ATH2-777

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-778

[redacted]

Closed

FVAL1039

2022-04-06 11:53

2022-04-14 12:39

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal.
- Due Diligence Vendor-04/14/2022

Open-Document Uploaded. AVM does not support value.

AVM/BPO does not support value. Ordered desk review.

- Due Diligence Vendor-04/06/2022

Resolved-Document Uploaded. Desk Review supports original appraisal.
- Due Diligence Vendor-04/14/2022

[redacted]_[redacted]_[redacted]_4.5.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-779

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-780

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-781

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-782

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-783

[redacted]

Closed

FVAL1039

2022-04-06 17:06

2022-04-12 11:46

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal.
- Due Diligence Vendor-04/12/2022

Open-AVM has a confidence score of 50 which is below the required 70 or higher. - Due Diligence Vendor-04/06/2022

Resolved-Document Uploaded. BPO supports original appraisal.
- Due Diligence Vendor-04/12/2022

[redacted]_[redacted]_[redacted]_4.5.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-784

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-785

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-786

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-787

[redacted]

Closed

FVAL1039

2022-04-07 09:31

2022-04-11 16:23

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-04/11/2022

Open-Confidence Score is less than 70 percent - Due Diligence Vendor-04/07/2022

Resolved-Document Uploaded. BPO supports original appraisal
- Due Diligence Vendor-04/11/2022

[redacted]_[redacted]_[redacted]_4.5.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-788

[redacted]

Closed

FCRE1157

2022-04-15 16:18

2022-04-22 08:54

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded HOI - Seller-04/15/2022

Open-Missing Hazard Insurance Policy Provide Hazard Insurance Policy -- only Hazard Insurance Invoice provided (page 586) showing policy #, Insured Borrowers and Subject Location. - Due Diligence Vendor-04/07/2022

Ready for Review-Document Uploaded. Uploaded HOI - Seller-04/15/2022

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/22/2022

[redacted]-HAZARD INSURANCE.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-789

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-790

[redacted]

Closed

FVAL1039

2022-04-07 08:07

2022-04-11 16:37

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. BPO supports original appraisal.
- Due Diligence Vendor-04/11/2022

Open-The AVM has a Confidence Score of 57. - Due Diligence Vendor-04/07/2022

Resolved-Document Uploaded. BPO supports original appraisal.
- Due Diligence Vendor-04/11/2022

[redacted]_[redacted]_[redacted]_4.5.2022.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-791

[redacted]

Closed

FCOM8804

2022-04-19 12:12

2022-04-22 08:29

Resolved

1 - Information

Compliance

Missing Doc

Missing Loan program disclosure

Resolved- - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded Business purpose disclosure - Seller-04/19/2022

Open-Business Purpose disclosure missing - Due Diligence Vendor-04/07/2022

Ready for Review-Document Uploaded. Uploaded Business purpose disclosure - Seller-04/19/2022

[redacted] - Business Purpose.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-791

[redacted]

Closed

FCOM1206

2022-04-07 05:54

2022-04-15 14:01

Resolved

1 - Information

Compliance

Missing Doc

The Note is Missing

Resolved-The Note is Present - Due Diligence Vendor-04/15/2022

Open-The Note is Missing missing - Due Diligence Vendor-04/07/2022

Resolved-The Note is Present - Due Diligence Vendor-04/15/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-791

[redacted]

Closed

FCOM1232

2022-04-07 06:00

2022-04-15 13:59

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-page 226 of new package received - Due Diligence Vendor-04/15/2022

Resolved-The Final 1003 is Present - Due Diligence Vendor-04/15/2022

Open-The Final 1003 is Missing final signed 1003 missing - Due Diligence Vendor-04/07/2022

Resolved-page 226 of new package received - Due Diligence Vendor-04/15/2022

Resolved-The Final 1003 is Present - Due Diligence Vendor-04/15/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-792

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-793

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-794

[redacted]

Closed

FCRE7756

2022-04-19 14:32

2022-04-22 08:17

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-received - Due Diligence Vendor-04/22/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded credit report. - Seller-04/19/2022

Open-Credit Report is Missing in file. - Due Diligence Vendor-04/07/2022

Ready for Review-Document Uploaded. Uploaded credit report. - Seller-04/19/2022

Resolved-received - Due Diligence Vendor-04/22/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-04/22/2022

[redacted] - LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-795

[redacted]

Closed

FVAL1039

2022-04-08 14:56

2022-04-19 10:07

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved- - Due Diligence Vendor-04/19/2022

Rescinded-Document Uploaded. Desk Review supports original appraisal.
- Due Diligence Vendor-04/19/2022

Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-04/12/2022

Open-AVM does not support - Due Diligence Vendor-04/08/2022

Rescinded-Document Uploaded. Desk Review supports original appraisal.
- Due Diligence Vendor-04/19/2022

[redacted]_[redacted]_[redacted]_4.5.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-796

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-797

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Second Home

Purchase

XXXXXXX_2022-ATH2-798

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-799

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-800

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-801

[redacted]

Closed

FCRE2109

2022-04-15 15:37

2022-04-22 09:01

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/15/2022

Open-The DSCR calculation worksheet is not present. - Due Diligence Vendor-04/07/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/15/2022

Resolved-received - Due Diligence Vendor-04/22/2022

[redacted]- DSCR form.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-802

[redacted]

Closed

FCRE7756

2022-04-20 09:42

2022-04-22 07:10

Resolved

1 - Information

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-04/22/2022

Resolved-received - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-04/20/2022

Open-Credit Report is Missing - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded credit report - Seller-04/20/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-04/22/2022

Resolved-received - Due Diligence Vendor-04/22/2022

[redacted] - LENDER CREDIT REPORT.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-803

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-804

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-805

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-806

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-807

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXXXXX_2022-ATH2-808

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-809

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-810

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-811

[redacted]

Closed

FCRE7347

2022-04-19 12:02

2022-04-22 08:41

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-received. - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded lease agreement. - Seller-04/19/2022

Open-Lease missing - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded lease agreement. - Seller-04/19/2022

Resolved-received. - Due Diligence Vendor-04/22/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-812

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-813

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-814

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-815

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-816

[redacted]

Closed

FPRO1245

2022-04-07 08:44

Waived

2 - Non-Material

Property

Appraisal

Appraisal is Expired

Waived-Appraisal is over 90 days - expired 3/8/22 - Due Diligence Vendor-04/07/2022

[redacted]% LTV

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-817

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-818

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-819

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-820

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-821

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-822

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-823

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-824

[redacted]

Closed

FCRE2109

2022-04-15 16:05

2022-04-22 08:55

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/15/2022

Open-DSCR Calc sheet not present - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded DSCR - Seller-04/15/2022

Resolved-received - Due Diligence Vendor-04/22/2022

[redacted]- DSCR.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-825

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Second Home

Purchase

XXXXXXX_2022-ATH2-826

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-827

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-828

[redacted]

Closed

FCRE1161

2022-04-19 09:28

2022-04-22 08:46

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded flood cert. - Seller-04/19/2022

Open-Missing Flood Certificate - Due Diligence Vendor-04/07/2022

Open- - Due Diligence Vendor-04/07/2022

Ready for Review-Document Uploaded. Uploaded flood cert. - Seller-04/19/2022

Resolved-Flood Certificate is fully present - Due Diligence Vendor-04/22/2022

[redacted] - FLOOD CERTIFICATION.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-828

[redacted]

Closed

FCRE1164

2022-04-19 09:29

2022-04-22 08:46

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded flood insurance. - Seller-04/19/2022

Open-Missing Flood Insurance Policy Flood policy missing from Safe Inc. File has an invoice pg 191 - Due Diligence Vendor-04/07/2022

Open-Missing Flood Insurance Policy - Due Diligence Vendor-04/07/2022

Ready for Review-Document Uploaded. Uploaded flood insurance. - Seller-04/19/2022

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-04/22/2022

[redacted] - FLOOD INSURANCE.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-828

[redacted]

Closed

FCRE1157

2022-04-19 09:29

2022-04-22 08:46

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded hazard insurance - Seller-04/19/2022

Open-Missing Hazard Insurance Policy - Due Diligence Vendor-04/07/2022

Open-Missing Hazard Insurance Policy Hazard insurance policy missing - there is an invoice pg 189 - Due Diligence Vendor-04/07/2022

Ready for Review-Document Uploaded. Uploaded hazard insurance - Seller-04/19/2022

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/22/2022

[redacted] - HAZARD INSURANCE.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-829

[redacted]

Closed

FCRE7347

2022-04-15 15:45

2022-04-22 08:59

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-received - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded lease agreement - Seller-04/15/2022

Open-Refiance transaction, appraisal says tenant and no lease located in the file. - Due Diligence Vendor-04/07/2022

Ready for Review-Document Uploaded. Uploaded lease agreement - Seller-04/15/2022

Resolved-received - Due Diligence Vendor-04/22/2022

[redacted]-LEASE AGREEMENT (1).pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-830

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-831

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-832

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-833

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-834

[redacted]

Closed

FVAL1039

2022-04-07 13:32

2022-04-14 11:15

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal.
- Due Diligence Vendor-04/14/2022
Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-04/13/2022
Open-AVM $[redacted] does not support $[redacted] Appraised Value (pg 84) - Due Diligence Vendor-04/07/2022

Resolved-Document Uploaded. Desk Review supports original appraisal.
- Due Diligence Vendor-04/14/2022

[redacted]_[redacted]_[redacted]_4.5.2022.pdf
[redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-835

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-836

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-837

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-838

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-839

[redacted]

Closed

FCRE7347

2022-04-19 12:09

2022-04-22 08:36

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-received - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded lease agreement - Seller-04/19/2022

Open-Lease missing - Due Diligence Vendor-04/07/2022

Ready for Review-Document Uploaded. Uploaded lease agreement - Seller-04/19/2022

Resolved-received - Due Diligence Vendor-04/22/2022

[redacted] - LEASE AGREEMENT.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-840

[redacted]

Closed

FCRE6019

2022-04-19 12:42

2022-04-22 08:20

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Ready for Review-Document Uploaded. Uploaded passport. - Seller-04/19/2022

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/22/2022

Resolved-received - Due Diligence Vendor-04/22/2022

[redacted] - PASSPORT.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-841

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-842

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-843

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-844

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-845

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-846

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-847

[redacted]

Closed

FCOM4028

2022-04-07 21:52

2022-04-11 09:56

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/11/2022

Open-Missing evidence of Mortgage recording Evidence of Mortgage recorded missing in the file. - Due Diligence Vendor-04/08/2022

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-848

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-849

[redacted]

Closed

FCRE8728

2022-04-19 14:29

2022-04-22 08:18

Resolved

1 - Information

Credit

Missing Doc

Missing Payment History

Resolved-received - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded VOM. - Seller-04/19/2022

Open-Missing payment history for Vastar - Due Diligence Vendor-04/07/2022

Ready for Review-Document Uploaded. Uploaded VOM. - Seller-04/19/2022

Resolved-received - Due Diligence Vendor-04/22/2022

[redacted] - VERIFICATION OF MORTGAGE.pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

[redacted]

XXXXXXX_2022-ATH2-850

[redacted]

Closed

FCRE6019

2022-04-19 15:17

2022-04-22 07:53

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Ready for Review-Document Uploaded. Uploaded passport. - Seller-04/19/2022

Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/22/2022

Resolved-received - Due Diligence Vendor-04/22/2022

[redacted] - PASSPORT - [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-850

[redacted]

Closed

FCRE6914

2022-04-19 15:18

2022-04-22 07:53

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Citizenship Documentation Not Provided

Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded Passport. - Seller-04/19/2022

Open-Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-04/06/2022

Ready for Review-Document Uploaded. Uploaded Passport. - Seller-04/19/2022

Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/22/2022

[redacted] - PASSPORT - [redacted].pdf

ATR/QM: Exempt

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

[redacted]

XXXXXXX_2022-ATH2-851

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-852

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-853

[redacted]

Closed

FCRE3464

2022-04-19 15:41

2022-04-22 07:40

Resolved

1 - Information

Credit

Missing Doc

Missing Closing/Final Verbal VOE

Resolved-received - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded VVOE. - Seller-04/19/2022

Open-Missing Closing/Final Verbal VOE. - Due Diligence Vendor-04/07/2022

Ready for Review-Document Uploaded. Uploaded VVOE. - Seller-04/19/2022

Resolved-received - Due Diligence Vendor-04/22/2022

[redacted] - Verification of Self-Employment.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-854

[redacted]

Closed

FCRE1159

2022-04-28 15:46

2022-04-29 09:25

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Resolved - Due Diligence Vendor-04/29/2022
Ready for Review-Document Uploaded. Uploaded hazard insurance - Seller-04/28/2022
Open-Hazard Insurance Effective Date of [redacted] is after the Note Date of [redacted] Disbursement date was [redacted], insurance effective [redacted]. - Due Diligence Vendor-04/11/2022
Open-Hazard Insurance Effective Date of [redacted]is after the Note Date of [redacted] - Due Diligence Vendor-04/08/2022

Ready for Review-Document Uploaded. Uploaded hazard insurance - Seller-04/28/2022

Resolved-Resolved - Due Diligence Vendor-04/29/2022

[redacted] - Hazard Insurance.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-854

[redacted]

Closed

FCRE1169

2022-04-21 09:06

2022-04-22 07:05

Resolved

1 - Information

Credit

Insurance

Flood Insurance Effective Date is after the Note Date

Resolved-Flood Insurance Effective Date of [redacted] is after the Note Date of [redacted] - Due Diligence Vendor-04/22/2022
Ready for Review-Document Uploaded. Uploaded flood insurance. - Seller-04/21/2022
Open-Flood Insurance Effective Date of [redacted] is after the Note Date of [redacted] Note and Mortgage dated [redacted] and signed [redacted], disbursement date was [redacted] -- Need Hazard and Flood policy to be revised with appropriate dates - Due Diligence Vendor-04/08/2022

Ready for Review-Document Uploaded. Uploaded flood insurance. - Seller-04/21/2022

Resolved-Flood Insurance Effective Date of [redacted] is after the Note Date of [redacted] - Due Diligence Vendor-04/22/2022

[redacted] - Flood Insurance.pdf

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-855

[redacted]

Closed

FCOM4028

2022-04-13 08:29

2022-04-13 08:58

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Missing evidence of Mortgage recording File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/13/2022

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]

XXXXXXX_2022-ATH2-856

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-857

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-858

[redacted]

Closed

FCRE3464

2022-04-20 09:39

2022-04-22 07:20

Resolved

1 - Information

Credit

Missing Doc

Missing Closing/Final Verbal VOE

Resolved-received - Due Diligence Vendor-04/22/2022

Ready for Review-Document Uploaded. Uploaded VVOE and Self Employment LOE. - Seller-04/20/2022

Open-Missing proof of business existence for past 2 years (Third party verification) - Due Diligence Vendor-04/08/2022

Ready for Review-Document Uploaded. Uploaded VVOE and Self Employment LOE. - Seller-04/20/2022

Resolved-received - Due Diligence Vendor-04/22/2022

[redacted] - Verification of Self-Employment.pdf

[redacted] - MISC LOE.pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-858

[redacted]

Closed

FVAL1039

2022-04-07 05:50

2022-04-14 09:49

Resolved

1 - Information

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. Desk Review supports original appraisal.
- Due Diligence Vendor-04/14/2022

Open-AVM/BPO does not support value. Ordered desk review.
- Due Diligence Vendor-04/12/2022

Open-Confidence Score is below 70 percentage - Due Diligence Vendor-04/07/2022

Resolved-Document Uploaded. Desk Review supports original appraisal.
- Due Diligence Vendor-04/14/2022

[redacted].pdf

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

[redacted]

XXXXXXX_2022-ATH2-859

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-860

[redacted]

Closed

FCOM4028

2022-04-13 08:11

2022-04-15 14:04

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved - Due Diligence Vendor-04/15/2022

ATR/QM: Exempt

[redacted]

Investment

Purchase

[redacted]

XXXXXXX_2022-ATH2-861

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-862

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-863

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_2022-ATH2-864

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-865

[redacted]

Non-QM: Lender documented all ATR UW factors

[redacted]

Primary Residence

Purchase

XXXXXXX_2022-ATH2-866

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-867

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-868

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Purchase

XXXXXXX_2022-ATH2-869

[redacted]

ATR/QM: Exempt

[redacted]

Investment

Refinance

Cash Out - Other

[redacted]