EX-99.1 4 exhibit991-3.htm EXHIBIT 99.1, SCHEDULE 3 - EXCEPTION GRADES

Exception Grades
        
Run Date - 5/5/2025 11:12:18 AM
        

SitusAMC Loan ID
Customer Loan ID
Seller Loan ID
Investor Loan Number
Unique Loan ID
Loan Exception ID
Exception ID
Exception Date
Exception Type
Exception Category
Exception Subcategory
15E Category
Exception
Exception Detail
Exception Information
Compensating Factors
Compensating Factor Information
Applying Party
Follow-up Comments
Cleared Date
Cured Date
Waived Date
Exception Level Grade
DBRS Initial Exception Rating
DBRS Final Exception Rating
Fitch Initial Exception Rating
Fitch Final Exception Rating
Kroll Initial Exception Rating
Kroll Final Exception Rating
Moody's Initial Exception Rating
Moody's Final Exception Rating
S&P Initial Exception Rating
S&P Final Exception Rating
Note Date
Property State
Occupancy
Purpose
Exception Remediation
Overall
Initial Loan Grade
Overall
Final Loan Grade
Credit
Initial Loan Grade
Credit
Final Loan Grade
Compliance
Initial Loan Grade
Compliance
Final Loan Grade
Property
Initial Loan Grade
Property
Final Loan Grade
Originator QM ATR Status
TPR QM ATR Status
Is Curable
[redacted]
[redacted]
[redacted]
[redacted]
62410199
32436445
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Total Of Payments
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX).  The disclosed Total of Payments in the amount of $2,259,402.91 is under disclosed by $200.00 compared to the calculated total of payments of $2,259,602.91 which exceeds the $100.00 threshold.
Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). The disclosed Total of Payments in the amount of $2,259,402.91 is under disclosed by $200.00 compared to the calculated total of payments of $2,259,602.91 which exceeds the $100.00 threshold.
      
Reviewer Comment (2025-01-30): XXXXX
 
 
Seller Comment (2025-01-29): XXXXX
 
 
Reviewer Comment (2025-01-28): XXXXX
 
 
Seller Comment (2025-01-27): XXXXX
 
  
01/30/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CT
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
62410199
32436473
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.
  
The property is located in FEMA Disaster area.  Provide a post-disaster inspection verifying there was no damage.  The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX declared end date.
      
Reviewer Comment (2025-01-06): XXXXX
 
 
Seller Comment (2025-01-06): XXXXX
 
01/06/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CT
Primary
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69580493
32047021
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
11/04/2024
2
B
B
B
B
B
B
B
B
B
B
  
VA
Primary
Refinance - Rate/Term
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69580493
32047022
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
11/04/2024
2
B
B
B
B
B
B
B
B
B
B
  
VA
Primary
Refinance - Rate/Term
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69580493
32047027
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $875.00 exceeds tolerance of $850.00.  Sufficient or excess cure was provided to the borrower at Closing.
Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $875.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2024-11-04): XXXXX
 
  
11/04/2024
  
1
A
A
A
A
A
A
A
A
A
A
  
VA
Primary
Refinance - Rate/Term
Final CD evidences Cure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
69277198
31928646
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,163.00 exceeds tolerance of $1,980.00 plus 10% or $2,178.00.  Insufficient or no cure was provided to the borrower.
10% tolerance was exceeded by $1,985.00 due to increase of title - premium for lender's coverage fee.  No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,985.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
      
Reviewer Comment (2024-10-31): XXXXX
 
 
Seller Comment (2024-10-30): XXXXX
 
 
Reviewer Comment (2024-10-23): XXXXX
 
 
Seller Comment (2024-10-22): XXXXX
 
10/31/2024
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67777579
31985373
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-02-24): XXXXX
 
    
10/28/2024
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Refinance - Rate/Term
  
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67777579
31985416
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Closing Disclosure Timing without Waiver
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
      
Reviewer Comment (2024-11-01): XXXXX
 
 
Seller Comment (2024-10-31): XXXXX
 
11/01/2024
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Rate/Term
No Defined Cure
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64135952
32022508
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)
ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
Verification appraisal was delivered to borrower 3 business days prior to closing was not provided.
 
 "
            
10/30/2024
2
B
B
B
B
B
B
B
B
B
B
  
MA
Primary
Purchase
  
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64135952
32022514
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $205.00 exceeds tolerance of $200.00.  Sufficient or excess cure was provided to the borrower at Closing.
Appraisal Review Fee was  last disclosed as $200.00 on LE but disclosed as $205.00 on Final Closing Disclosure.  Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2024-10-30): XXXXX
 
  
10/30/2024
  
1
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Purchase
Final CD evidences Cure
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
64135952
32022515
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $102.86 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing.
Credit Report Fee was  last disclosed as $50.00 on LE but disclosed as $102.86 on Final Closing Disclosure.  Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2024-10-30): XXXXX
 
  
10/30/2024
  
1
A
A
A
A
A
A
A
A
A
A
  
MA
Primary
Purchase
Final CD evidences Cure
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
64135952
32022551
    
Credit
Title
General
Title
Title Policy Coverage is less than Original Loan Amount.
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-02-24): XXXXX
 
    
10/30/2024
2
B
B
B
B
B
B
B
B
B
B
  
MA
Primary
Purchase
  
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
60975095
32148914
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,604,068.39 is over disclosed by $150.00 compared to the calculated Amount Financed of $1,603,918.39 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX).
Finance Charge disclosed is $1,604,068.39.  Calculated finance charge is $1,603,918.39.  Variance of $150.  Based on review of Lender's compliance report, $150.00 fee was not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable.
      
Reviewer Comment (2024-12-19): XXXXX
 
 
Reviewer Comment (2024-12-05): XXXXX
 
 
Seller Comment (2024-12-04): XXXXX
 
  
12/19/2024
  
2
C
B
C
B
C
B
C
B
C
B
  
VA
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
60975095
32148915
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $1,876,324.02 is under disclosed by $150.00 compared to the calculated Finance Charge of $1,876,474.02 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX).
Finance Charge disclosed is $1,604,068.39.  Calculated finance charge is $1,603,918.39.  Variance of $150.  Based on review of Lender's compliance report, $150.00 fee was not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable.
      
Reviewer Comment (2024-12-19): XXXXX
 
 
Reviewer Comment (2024-12-05): XXXXX
 
 
Seller Comment (2024-12-04): XXXXX
 
  
12/19/2024
  
2
C
B
C
B
C
B
C
B
C
B
  
VA
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65729227
32053359
    
Credit
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Missing Document: Appraisal not provided
  
File does not have Appraisal in the file.
      
Reviewer Comment (2024-11-08): XXXXX
 
 
Seller Comment (2024-11-07): XXXXX
 
11/08/2024
    
1
D
A
D
A
D
A
D
A
D
A
  
MA
Primary
Purchase
  
D
B
D
A
A
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65729227
32053361
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: AUS not provided
  
File does not have AUS in file.
      
Reviewer Comment (2024-11-08): XXXXX
 
 
Seller Comment (2024-11-07): XXXXX
 
11/08/2024
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Purchase
  
D
B
D
A
A
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65729227
32053403
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.
  
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after 04/26/2010 declared end date.  Appraisal is missing
      
Reviewer Comment (2024-11-12): XXXXX
 
11/12/2024
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Purchase
  
D
B
D
A
A
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65729227
32053411
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Loan is to be securitized. Appraisal is missing. Sec ID: 1
  
Appraisal is missing and secondary valuation was not provided.
      
Reviewer Comment (2024-11-12): XXXXX
 
11/12/2024
    
1
D
A
D
A
D
A
D
A
D
A
  
MA
Primary
Purchase
  
D
B
D
A
A
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65729227
32073376
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification for secondary appraisal was delivered to borrower was not provided.
            
11/08/2024
2
  
B
  
B
  
B
  
B
  
B
  
MA
Primary
Purchase
  
D
B
D
A
A
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
60381963
32273562
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,103.00 exceeds tolerance of $2,855.00 plus 10% or $3,140.50.  Insufficient or no cure was provided to the borrower.
Ten Percent Fee was  last disclosed as $3140.50 on LE but disclosed as $4103.00 on Final Closing Disclosure.  File does contain a valid COC for this fee.,
      
Reviewer Comment (2024-12-04): XXXXX
 
 
Seller Comment (2024-12-04): XXXXX
 
12/04/2024
    
1
C
A
C
A
C
A
C
A
C
A
  
WI
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
60381963
32273563
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $450.00 exceeds tolerance of $225.00.  Insufficient or no cure was provided to the borrower.
Credit Report Fee was  last disclosed as $450.00 on LE but disclosed as$225.00 on Final Closing Disclosure.  File does contain a valid COC for this fee.,
      
Reviewer Comment (2024-12-05): XXXXX
 
 
Seller Comment (2024-12-04): XXXXX
 
12/05/2024
    
1
C
A
C
A
C
A
C
A
C
A
  
WI
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
60381963
32324088
    
Credit
Loan Package Documentation
Closing / Title
Loan Package Documentation
Security Instrument Error: County was not provided
  
The security instrument reflects the incorrect county as XXXX.  Per title and appraisal documents, the correct county is XXXX.
      
Reviewer Comment (2024-12-13): XXXXX
 
 
Seller Comment (2024-12-10): XXXXX
 
12/13/2024
    
1
  
A
  
A
  
A
  
A
  
A
  
WI
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61771537
32089932
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $-4,175.59 exceeds tolerance of $-4,466.00. Insufficient or no cure was provided to the borrower.
Lender Credits was  last disclosed as $-4,466.00 on LE but disclosed as $-4,175.59 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.
      
Reviewer Comment (2024-11-19): XXXXX
 
 
Seller Comment (2024-11-15): XXXXX
 
11/19/2024
    
1
C
A
C
A
C
A
C
A
C
A
  
NJ
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
61771537
32089934
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.
Appraisal Re-Inspection Fee was not disclosed on Loan Estimate.  File does not contain a valid COC for this fee, nor evidence of cure.  Provide a post-close CD disclosing the tolerance cure to include $200.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
      
Reviewer Comment (2024-12-02): XXXXX
 
 
Seller Comment (2024-11-27): XXXXX
 
  
12/02/2024
  
2
C
B
C
B
C
B
C
B
C
B
  
NJ
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
62595183
32150289
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
-
Evidence the noted REO does or does not have an HOA fee was not located in file.
      
Reviewer Comment (2024-11-21): XXXXX
 
11/21/2024
    
1
C
A
C
A
C
A
C
A
C
A
  
DE
Second Home
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62595183
32150298
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Closing Disclosure Timing without Waiver
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
Evidence of earlier borrower receipt was not found in file.
      
Reviewer Comment (2024-11-20): XXXXX
 
11/20/2024
    
1
C
A
C
A
C
A
C
A
C
A
  
DE
Second Home
Purchase
No Defined Cure
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63942690
32740743
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $5,855.30 exceeds tolerance of $4,666.00.  Insufficient or no cure was provided to the borrower.
Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $5,855.30 exceeds tolerance of $4,666.00. Insufficient or no cure was provided to the borrower.
      
Reviewer Comment (2025-02-10): XXXXX
 
 
Seller Comment (2025-02-10): XXXXX
 
  
02/10/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
FL
Second Home
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
63942690
32740772
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.
Most Recent Valuation Inspection Date: ___
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX declared end date.
Borrower has been employed in the same industry for more than 5 years.
 
Borrower has worked in the same position for more than 3 years.
 
The representative FICO score is above 680.
  
SitusAMC
 
SitusAMC
 
SitusAMC
Reviewer Comment (2025-02-04): XXXXX
 
 
Reviewer Comment (2025-01-31): XXXXX
 
    
02/04/2025
2
C
B
C
B
C
B
C
B
C
B
  
FL
Second Home
Refinance - Cash-out - Other
  
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66910593
32375327
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.
-
Appraisal was made subject to and 442 is not in file.
      
Reviewer Comment (2024-12-19): XXXXX
 
 
Seller Comment (2024-12-19): XXXXX
 
12/19/2024
    
1
C
A
C
A
C
A
C
A
C
A
  
ME
Second Home
Purchase
  
C
A
A
A
A
A
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
60349228
32160796
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
Missing Document: Missing Final 1003
  
1003 Final is missing.
      
Reviewer Comment (2024-12-09): XXXXX
 
 
Seller Comment (2024-12-09): XXXXX
 
12/09/2024
    
1
C
A
C
A
C
A
C
A
C
A
  
NJ
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62705780
32323656
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
Final Closing Disclosure provided on XX/XX/XX disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement.
      
Reviewer Comment (2024-12-19): XXXXX
 
    
12/19/2024
2
B
B
B
B
B
B
B
B
B
B
  
DE
Second Home
Purchase
Good Faith Redisclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
61567720
32483172
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX.): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared.
      
Reviewer Comment (2025-01-16): XXXXX
 
 
Seller Comment (2025-01-14): XXXXX
 
 
Reviewer Comment (2025-01-10): XXXXX
 
 
Seller Comment (2025-01-07): XXXXX
 
 
Reviewer Comment (2025-01-02): XXXXX
 
 
Seller Comment (2024-12-30): XXXXX
 
01/16/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
CT
Primary
Purchase
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
61567720
32483173
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
QM Points and Fees XXXXX
Qualified Mortgage (Dodd Frank XXXXX.): Points and Fees on subject loan of 3.54117% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $31,998.80 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $4,890.12 or .54117%).
Points and Fees exceed allowable threshold by $4,890.12 or .54117%.
      
Reviewer Comment (2025-01-16): XXXXX
 
 
Seller Comment (2025-01-14): XXXXX
 
 
Reviewer Comment (2025-01-10): XXXXX
 
 
Seller Comment (2025-01-07): XXXXX
 
 
Reviewer Comment (2025-01-02): XXXXX
 
 
Seller Comment (2024-12-30): XXXXX
 
01/16/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CT
Primary
Purchase
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63143280
32492413
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,728.00 exceeds tolerance of $2,475.00 plus 10% or $2,722.50.  Insufficient or no cure was provided to the borrower.
Ten Percent Fee Tolerance exceeded. Total amount of $2,728.00 exceeds tolerance of $2,475.00 plus 10% or $2,722.50. Insufficient or no cure was provided to the borrower.
      
Reviewer Comment (2025-01-13): XXXXX
 
  
01/13/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67684598
32491856
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)
ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
Verification appraisal was delivered to borrower was not provided.
            
12/30/2024
2
B
B
B
B
B
B
B
B
B
B
  
MA
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66122487
32516446
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower provided appraisal waiver less than three (3) business days prior to consummation.
Borrower provided appraisal waiver less than three (3) business days prior to consummation.
      
Reviewer Comment (2025-01-08): XXXXX
 
 
Reviewer Comment (2025-01-07): XXXXX
 
    
01/08/2025
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66122487
32516453
    
Credit
Loan Package Documentation
Application / Processing
Insurance
Missing Document: Flood Certificate not provided
  
Flood certificate not provided in the file.
      
Reviewer Comment (2025-01-17): XXXXX
 
 
Reviewer Comment (2025-01-06): XXXXX
 
01/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66122487
32518668
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)
ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
            
01/03/2025
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66122487
32518669
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower provided appraisal waiver less than three (3) business days prior to consummation.
Borrower provided appraisal waiver less than three (3) business days prior to consummation.
      
Reviewer Comment (2025-01-08): XXXXX
 
 
Reviewer Comment (2025-01-07): XXXXX
 
    
01/08/2025
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61390785
32594534
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)
ECOA Valuations Rule (Dodd-Frank XXXXX.): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
Verification appraisal was delivered to borrower was not provided.
            
01/10/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61390785
32594946
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-03-20): XXXXX
 
    
01/10/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61390785
32597331
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX.): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Loan designation varaiance due to File failed QM Point and fees test.
      
Reviewer Comment (2025-01-16): XXXXX
 
 
Seller Comment (2025-01-13): XXXXX
 
01/16/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
CA
Primary
Purchase
Lender to provide updated ATR/QM status
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
61390785
32597332
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
QM Points and Fees XXXXX
Qualified Mortgage (Dodd Frank XXXXX.): Points and Fees on subject loan of 3.25294% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $38,880.00 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $3,023.19 or .25294%).
File failed QM Point and fees test.
      
Reviewer Comment (2025-01-16): XXXXX
 
 
Seller Comment (2025-01-13): XXXXX
 
01/16/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
  
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66975809
32603033
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-03-20): XXXXX
 
    
01/13/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Second Home
Purchase
  
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66975809
32603037
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $-775.57 exceeds tolerance of $-1,207.00. Insufficient or no cure was provided to the borrower.
Lender Credit  of  $-775.57  exceeds tolerance of  $-1207.00  on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $431.43 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
      
Reviewer Comment (2025-01-14): XXXXX
 
 
Seller Comment (2025-01-14): XXXXX
 
01/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
68537289
32549868
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The file was missing a copy of the final title policy.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-03-20): XXXXX
 
    
01/07/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67110634
32665157
    
Credit
Insurance
Insurance Analysis
Insurance
Insufficient Coverage: Hazard insurance coverage amount is insufficient.
  
HOI coverage is insufficient by $170,000.00.  Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current  coverage amount.
      
Reviewer Comment (2025-01-23): XXXXX
 
 
Seller Comment (2025-01-23): XXXXX
 
01/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Rate/Term
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67110634
32665380
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - XXXXX
TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of  on Final Closing Disclosure provided on XX/XX/XX are overdisclosed.
Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are overdisclosed.
      
Reviewer Comment (2025-01-31): XXXXX
 
 
Seller Comment (2025-01-30): XXXXX
 
 
Reviewer Comment (2025-01-28): XXXXX
 
 
Seller Comment (2025-01-27): XXXXX
 
 
Reviewer Comment (2025-01-24): XXXXX
 
 
Seller Comment (2025-01-23): XXXXX
 
  
01/31/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Refinance - Rate/Term
Letter of Explanation & Corrected Closing Disclosure
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67110634
32665381
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - XXXXX
TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of  on Final Closing Disclosure provided on XX/XX/XX are underdisclosed.
The final CD did not disclose the Amount of Escrowed Property Costs over Year 1  on page 4; however the Property Taxes $XXXXX, Insurance $XXXXX and HOA $1,920.00 total $38,066.32 per year.  Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.
      
Reviewer Comment (2025-01-31): XXXXX
 
 
Seller Comment (2025-01-30): XXXXX
 
 
Reviewer Comment (2025-01-28): XXXXX
 
 
Seller Comment (2025-01-27): XXXXX
 
 
Reviewer Comment (2025-01-24): XXXXX
 
 
Seller Comment (2025-01-23): XXXXX
 
  
01/31/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Refinance - Rate/Term
Letter of Explanation & Corrected Closing Disclosure
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67110634
32665382
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Have Escrow -  Monthly Escrow Payment Overdisclosed Test
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX did not disclose the Monthly Escrow Payment.
Final Closing Disclosure provided on XX/XX/XX did not disclose the Monthly Escrow Payment.
      
Reviewer Comment (2025-01-17): XXXXX
 
  
01/17/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Rate/Term
Provide the following: Letter of Explanation notifying borrower or error and Corrected CD
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67110634
32665383
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Have Escrow Account
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.
Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.
      
Reviewer Comment (2025-01-31): XXXXX
 
 
Seller Comment (2025-01-30): XXXXX
 
 
Reviewer Comment (2025-01-28): XXXXX
 
 
Seller Comment (2025-01-27): XXXXX
 
 
Reviewer Comment (2025-01-24): XXXXX
 
 
Seller Comment (2025-01-23): XXXXX
 
  
01/31/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Refinance - Rate/Term
Letter of Explanation & Corrected Closing Disclosure
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67110634
32665384
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow Account
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.
Final Closing Disclosure provided did not  disclosed whether the loan will have an escrow account.
      
Reviewer Comment (2025-01-31): XXXXX
 
 
Seller Comment (2025-01-30): XXXXX
 
 
Reviewer Comment (2025-01-28): XXXXX
 
 
Seller Comment (2025-01-27): XXXXX
 
 
Reviewer Comment (2025-01-24): XXXXX
 
 
Seller Comment (2025-01-23): XXXXX
 
  
01/31/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Refinance - Rate/Term
Letter of Explanation & Corrected Closing Disclosure
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
60236887
32604501
    
Compliance
Compliance
Federal Compliance
TRID
TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $349.00 exceeds tolerance of $309.00 plus 10% or $339.90.  Sufficient or excess cure was provided to the borrower at Closing.
Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-01-09): XXXXX
 
  
01/09/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
OR
Primary
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
68957572
32417165
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
12/18/2024
2
B
B
B
B
B
B
B
B
B
B
  
SC
Primary
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
68957572
32417166
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX.): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared.
      
Reviewer Comment (2025-01-09): XXXXX
 
 
Seller Comment (2025-01-06): XXXXX
 
01/09/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
SC
Primary
Purchase
Lender to provide updated ATR/QM status
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
68957572
32417167
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
QM Points and Fees XXXXX
Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 4.80971% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $86,194.70 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $32,431.74 or 1.80971%).
        
Reviewer Comment (2025-01-09): XXXXX
 
 
Seller Comment (2025-01-06): XXXXX
 
01/09/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
68957572
32417187
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $83,599.75 exceeds tolerance of $70,688.00.  Insufficient or no cure was provided to the borrower.
Loan Discount Points Fee was last disclosed as $70,688.00 on LE but disclosed as $83,599.75 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.
      
Reviewer Comment (2025-01-07): XXXXX
 
 
Seller Comment (2025-01-06): XXXXX
 
01/07/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
66023491
32713379
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $67.00 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing.
Credit Report Fee was last disclosed as $50.00 on LE but disclosed as $67.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-01-27): XXXXX
 
  
01/27/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
PA
Primary
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
68709354
32571529
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)
ECOA Valuations Rule (Dodd-Frank XXXXX.): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
Verification appraisal was delivered to borrower was not provided.
            
01/08/2025
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Rate/Term
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
68709354
32571535
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.
"Appraisal Re-Inspection fee was  last disclosed as $0.00 on LE but disclosed as
$200.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $200,a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. "
      
Reviewer Comment (2025-01-22): XXXXX
 
 
Seller Comment (2025-01-21): XXXXX
 
 
Reviewer Comment (2025-01-16): XXXXX
 
 
Seller Comment (2025-01-15): XXXXX
 
01/22/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Rate/Term
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65595539
32475922
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2
  
The file is missing a copy of the secondary valuation required for securitization purposes.
      
Reviewer Comment (2024-10-30): XXXXX
 
 
Buyer Comment (2024-10-28): XXXXX
 
10/30/2024
    
1
D
A
D
A
D
A
D
A
D
A
  
VA
Primary
Purchase
  
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65595539
32475925
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien
TRID Final Closing Disclosure XX/XX/XX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.)
Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.
      
Reviewer Comment (2024-11-04): XXXXX
 
 
Buyer Comment (2024-11-01): XXXXX
 
11/04/2024
    
1
C
A
C
A
C
A
C
A
C
A
  
VA
Primary
Purchase
Letter of Explanation & Corrected Closing Disclosure
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65595539
32475926
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy.
-
B2 1003 shows will not occupy as primary residence, need corrected final 1003.
      
Reviewer Comment (2024-10-30): XXXXX
 
 
Buyer Comment (2024-10-28): XXXXX
 
10/30/2024
    
1
C
A
C
A
C
A
C
A
C
A
  
VA
Primary
Purchase
  
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66466588
32626218
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee.  Fee Amount of $325.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-01-13): XXXXX
 
  
01/13/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
NH
Second Home
Purchase
Final CD evidences Cure
A
B
A
A
A
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
66466588
32659019
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)
ECOA Valuations Rule (Dodd-Frank XXXXX.): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
Verification appraisal was delivered to borrower was not provided.
            
01/16/2025
2
  
B
  
B
  
B
  
B
  
B
  
NH
Second Home
Purchase
  
A
B
A
A
A
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63330359
32729737
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.
Appraisal Re-Inspection Fee was last disclosed as $0.00 on Initial closing disclosure but disclosed as $200.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $200.00 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
      
Reviewer Comment (2025-02-19): XXXXX
 
 
Seller Comment (2025-02-18): XXXXX
 
 
Reviewer Comment (2025-02-04): XXXXX
 
 
Seller Comment (2025-02-03): XXXXX
 
02/19/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65958247
32654495
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.
-
File is missing copy of 442 - Final Inspection/Completion report.
      
Reviewer Comment (2025-01-23): XXXXX
 
 
Seller Comment (2025-01-23): XXXXX
 
01/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Purchase
  
C
B
C
A
C
B
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65958247
32654526
    
Credit
Asset
Asset Calculation / Analysis
Asset
Available for Closing is insufficient to cover Cash From Borrower.
  
Qualifying Assets for Closing of  $176,746.11 is less than Cash From Borrower $396,299.34.
      
Reviewer Comment (2025-01-23): XXXXX
 
 
Seller Comment (2025-01-23): XXXXX
 
01/23/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Purchase
  
C
B
C
A
C
B
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65958247
32655693
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
01/21/2025
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Purchase
  
C
B
C
A
C
B
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65958247
32655694
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Temporary Buydown Terms Not Reflected on Disclosures Test
TRID: Terms on CD disclosed incorrectly.  Temporary buydown terms paid by consumer or paid by other and reflected in the credit contract not accounted for accurately in disclosures provided to consumer.
Terms on CD disclosed incorrectly. Temporary buydown terms paid by consumer or paid by other and reflected in the credit contract not accounted for accurately in disclosures provided to consumer.
      
Reviewer Comment (2025-02-07): XXXXX
 
 
Seller Comment (2025-02-05): XXXXX
 
 
Reviewer Comment (2025-01-24): XXXXX
 
 
Seller Comment (2025-01-23): XXXXX
 
  
02/07/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
TX
Primary
Purchase
Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate)
C
B
C
A
C
B
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65958247
32655697
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $903,440.43 is over disclosed by $45.29 compared to the calculated Amount Financed of $903,395.14 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX).
Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $903,440.43 is over disclosed by $45.29 compared to the calculated Amount Financed of $903,395.14 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX).
      
Reviewer Comment (2025-02-03): XXXXX
 
 
Seller Comment (2025-01-31): XXXXX
 
02/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
C
A
C
B
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65958247
32655698
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure APR
TILA-RESPA Integrated Disclosure - Loan Calculations:  APR of XXXX% on Final Closing Disclosure provided on XX/XX/XX is under-disclosed from the calculated APR of XXXX% outside of 0.125% tolerance.
APR of XXXX% on Final Closing Disclosure provided on XX/XX/XX is under-disclosed from the calculated APR of XXXX% outside of 0.125% tolerance.
      
Reviewer Comment (2025-03-05): XXXXX
 
 
Seller Comment (2025-03-04): XXXXX
 
 
Reviewer Comment (2025-03-03): XXXXX
 
 
Seller Comment (2025-02-27): XXXXX
 
 
Reviewer Comment (2025-02-21): XXXXX
 
 
Seller Comment (2025-02-20): XXXXX
 
 
Reviewer Comment (2025-02-17): XXXXX
 
 
Seller Comment (2025-02-14): XXXXX
 
 
Reviewer Comment (2025-02-07): XXXXX
 
 
Seller Comment (2025-02-05): XXXXX
 
 
Reviewer Comment (2025-02-03): XXXXX
 
  
03/05/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
TX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable
C
B
C
A
C
B
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65958247
32655699
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $1,209,648.07 is under disclosed by $20,000.04 compared to the calculated Finance Charge of $1,229,648.11 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX).
Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,209,648.07 is under disclosed by $20,045.33 compared to the calculated Finance Charge of $1,229,693.40 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX).
      
Reviewer Comment (2025-03-05): XXXXX
 
 
Seller Comment (2025-03-04): XXXXX
 
 
Reviewer Comment (2025-03-03): XXXXX
 
 
Seller Comment (2025-02-27): XXXXX
 
 
Reviewer Comment (2025-02-21): XXXXX
 
 
Seller Comment (2025-02-20): XXXXX
 
 
Reviewer Comment (2025-02-17): XXXXX
 
 
Seller Comment (2025-02-14): XXXXX
 
 
Reviewer Comment (2025-02-07): XXXXX
 
 
Seller Comment (2025-02-05): XXXXX
 
 
Reviewer Comment (2025-02-03): XXXXX
 
  
03/05/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
TX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
C
B
C
A
C
B
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65958247
32655700
    
Compliance
Compliance
Federal Compliance
TRID
TRID Final Closing Disclosure Interest Rate Change After Closing Testing
TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the Interest Rate can change.
Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the Interest Rate can change.
      
Reviewer Comment (2025-02-07): XXXXX
 
 
Seller Comment (2025-02-05): XXXXX
 
 
Reviewer Comment (2025-01-24): XXXXX
 
 
Seller Comment (2025-01-23): XXXXX
 
  
02/07/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
TX
Primary
Purchase
Letter of Explanation & Corrected Closing Disclosure
C
B
C
A
C
B
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65958247
32655701
    
Compliance
Compliance
Federal Compliance
TRID
TRID Final Closing Disclosure Principal and Interest Change After Closing Testing
TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the Principal and Interest Payment can change.
Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the Principal and Interest Payment can change.
      
Reviewer Comment (2025-02-07): XXXXX
 
 
Seller Comment (2025-02-05): XXXXX
 
 
Reviewer Comment (2025-01-24): XXXXX
 
 
Seller Comment (2025-01-23): XXXXX
 
  
02/07/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
TX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
C
A
C
B
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65958247
32655702
    
Compliance
Compliance
Federal Compliance
TRID
TRID Final Closing Disclosure Principal and Interest Testing
TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XX disclosed a Principal and Interest Payment that does not match the actual payment for the loan.
Final Closing Disclosure provided on XX/XX/XX disclosed a Principal and Interest Payment that does not match the actual payment for the loan.
      
Reviewer Comment (2025-02-07): XXXXX
 
 
Seller Comment (2025-02-05): XXXXX
 
 
Reviewer Comment (2025-01-24): XXXXX
 
 
Seller Comment (2025-01-23): XXXXX
 
  
02/07/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
TX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
C
A
C
B
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65958247
32655703
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Product Testing
TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XX disclosed a Product that does not match the actual product for the loan.  Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure.
Final Closing Disclosure provided on XX/XX/XX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure.
      
Reviewer Comment (2025-02-18): XXXXX
 
 
Seller Comment (2025-02-17): XXXXX
 
 
Reviewer Comment (2025-02-07): XXXXX
 
 
Seller Comment (2025-02-05): XXXXX
 
 
Reviewer Comment (2025-01-24): XXXXX
 
 
Seller Comment (2025-01-23): XXXXX
 
02/18/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Purchase
TRID Timing exception, no remediation available.
C
B
C
A
C
B
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65958247
32655704
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan.
Final Closing Disclosure provided on XX/XX/XX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan.
      
Reviewer Comment (2025-02-07): XXXXX
 
 
Seller Comment (2025-02-05): XXXXX
 
 
Reviewer Comment (2025-01-24): XXXXX
 
 
Seller Comment (2025-01-23): XXXXX
 
  
02/07/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
TX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
C
A
C
B
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65958247
32655705
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan.
Final Closing Disclosure provided on XX/XX/XX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan.
      
Reviewer Comment (2025-02-07): XXXXX
 
 
Seller Comment (2025-02-05): XXXXX
 
 
Reviewer Comment (2025-01-24): XXXXX
 
 
Seller Comment (2025-01-23): XXXXX
 
  
02/07/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
TX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
C
A
C
B
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65958247
32655707
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $15,073.52 exceeds tolerance of $6,944.00.  Insufficient or no cure was provided to the borrower.
Loan Discount Points was last disclosed as $6,944.00, but disclosed as $15,073.52 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $8,129.52, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
      
Reviewer Comment (2025-02-04): XXXXX
 
 
Seller Comment (2025-01-31): XXXXX
 
02/04/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
C
A
C
B
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65733466
32733741
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
Notice of Right to Cancel Missing
Truth in Lending Act: Notice of Right to Cancel was not provided.
Notice of Right to Cancel not provided.
      
Reviewer Comment (2025-02-19): XXXXX
 
 
Seller Comment (2025-02-17): XXXXX
 
  
02/19/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
NM
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
68574929
32789091
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Closing Disclosure Timing without Waiver
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
The file was missing a copy of initial Closing Disclosure.
      
Reviewer Comment (2025-02-10): XXXXX
 
02/10/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
ID
Primary
Refinance - Cash-out - Other
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
68574929
32789092
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $12,188.40 exceeds tolerance of $4,200.00.  Insufficient or no cure was provided to the borrower.
Loan Discount Points  Fee was last disclosed as $4,200.00 on LE but disclosed as $12,188.40 on Final Closing Disclosure. File does contain a valid COC for this fee, cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-02-10): XXXXX
 
02/10/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
ID
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67100408
32810364
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
QM Points and Fees XXXXX
Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 4.63085% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $61,198.40 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $21,552.29 or 1.63085%).
QM Points and Fees threshold exceeded by $21,552.29 or 1.63085%.
      
Reviewer Comment (2025-03-14): XXXXX
 
 
Reviewer Comment (2025-02-28): XXXXX
 
 
Seller Comment (2025-02-24): XXXXX
 
 
Reviewer Comment (2025-02-21): XXXXX
 
 
Reviewer Comment (2025-02-20): XXXXX
 
 
Reviewer Comment (2025-02-18): XXXXX
 
03/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TN
Primary
Purchase
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67100408
32811396
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared.
      
Reviewer Comment (2025-03-14): XXXXX
 
 
Reviewer Comment (2025-02-28): XXXXX
 
 
Seller Comment (2025-02-24): XXXXX
 
 
Reviewer Comment (2025-02-21): XXXXX
 
 
Reviewer Comment (2025-02-20): XXXXX
 
 
Reviewer Comment (2025-02-18): XXXXX
 
03/14/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
TN
Primary
Purchase
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67100408
32811397
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Closing Disclosure Timing without Waiver
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
Verification appraisal was delivered to borrower 3 business days prior to closing was not provided.
      
Reviewer Comment (2025-02-12): XXXXX
 
02/12/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TN
Primary
Purchase
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67100408
32838665
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Closing Disclosure Timing without Waiver
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
XXXXX Received CD dated XX/XX/XX received by borrower on XX/XX/XX which is within 3 days of the closing date XX/XX/XX. Provide CD provided to borrower 3 days prior to closing date XX/XX/XX which is XX/XX/XX or prior to XX/XX/XX.
      
Reviewer Comment (2025-02-14): XXXXX
 
02/14/2025
    
1
  
A
  
A
  
A
  
A
  
A
  
TN
Primary
Purchase
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69332249
32861352
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
02/19/2025
2
B
B
B
B
B
B
B
B
B
B
  
DC
Primary
Refinance - Rate/Term
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69332249
32861354
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
      
Reviewer Comment (2025-02-27): XXXXX
 
 
Seller Comment (2025-02-25): XXXXX
 
02/27/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
DC
Primary
Refinance - Rate/Term
Lender to provide updated ATR/QM status
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
69332249
32861355
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Employment - S-Corp
General QM: Unable to verify current S-Corp status using reasonably reliable third-party records.
The File was missing a copy of the reliable third-party records.
      
Reviewer Comment (2025-02-27): XXXXX
 
 
Seller Comment (2025-02-26): XXXXX
 
02/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
DC
Primary
Refinance - Rate/Term
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69332249
32861356
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Employment - Schedule C
General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.
The File was missing a copy of the reliable third-party records.
      
Reviewer Comment (2025-02-27): XXXXX
 
 
Seller Comment (2025-02-26): XXXXX
 
02/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
DC
Primary
Refinance - Rate/Term
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69332249
32861357
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Income and Assets - S-Corp
General QM: Unable to verify S-Corp income using reasonably reliable third-party records.
The File was missing a copy of the reliable third-party records.
      
Reviewer Comment (2025-02-27): XXXXX
 
 
Seller Comment (2025-02-26): XXXXX
 
02/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
DC
Primary
Refinance - Rate/Term
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69332249
32861358
    
Compliance
Compliance
Federal Compliance
TRID
TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $230.78 exceeds tolerance of $196.00 plus 10% or $215.60.  Sufficient or excess cure was provided to the borrower at Closing.
Ten Percent Fee Tolerance exceeded. Total amount of $230.78 exceeds tolerance of $196.00 plus 10% or $215.60. Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-02-17): XXXXX
 
  
02/17/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
DC
Primary
Refinance - Rate/Term
Final CD evidences Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
69332249
32861359
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $673.60 exceeds tolerance of $550.00.  Sufficient or excess cure was provided to the borrower at Closing.
Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $673.60 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-02-17): XXXXX
 
  
02/17/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
DC
Primary
Refinance - Rate/Term
Final CD evidences Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
62814596
32865300
    
Credit
Title
General
Title
Title Policy Coverage is less than Original Loan Amount.
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
02/20/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61417207
32860008
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,087,530.12 is over disclosed by $150.00 compared to the calculated Amount Financed of $1,087,380.12 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX).
Amount Financed disclosed is $1,087,530.12.  Calculated Amount Financed of $1,087,380.12. Variance of $-362.50. Variance of -$150.00. Based on review discrepancy occurred due to APR variance  of -0.00111%.Calculated APR XXX% however APR disclosed is XXX%.  TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
      
Reviewer Comment (2025-03-10): XXXXX
 
 
Seller Comment (2025-03-07): XXXXX
 
 
Reviewer Comment (2025-03-06): XXXXX
 
  
03/10/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
FL
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
61417207
32860009
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $1,564,289.52 is under disclosed by $150.00 compared to the calculated Finance Charge of $1,564,439.52 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX).
Finance Charge disclosed is $1,564,289.52.  Calculated finance charge is $1,564,439.52. Variance of -$150.00. Based on review discrepancy occurred due to APR variance  of -0.00111%.Calculated APR XXX% however APR disclosed is 7.14700%.  TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
      
Reviewer Comment (2025-03-10): XXXXX
 
 
Seller Comment (2025-03-07): XXXXX
 
 
Reviewer Comment (2025-03-06): XXXXX
 
  
03/10/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
FL
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65362938
32960286
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/05/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62267854
33124261
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
            
03/31/2025
2
B
B
B
B
B
B
B
B
B
B
  
AL
Second Home
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62267854
33124262
    
Compliance
Compliance
State Compliance
State Late Charge
XXXXX Late Charge Percent and Amount Testing
XXXXX Late Charge: Note late charge amount of $277.81 exceeds the state maximum of $100.
        
Reviewer Comment (2025-04-03): XXXXX
 
 
Seller Comment (2025-04-01): XXXXX
 
04/03/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
AL
Second Home
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62267854
33124265
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $825.00 exceeds tolerance of $750.00.  Insufficient or no cure was provided to the borrower.
Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $825.00 exceeds tolerance of $750.00. Insufficient or no cure was provided to the borrower.
      
Reviewer Comment (2025-04-03): XXXXX
 
 
Seller Comment (2025-04-01): XXXXX
 
04/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AL
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
68687881
33096615
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared.
      
Reviewer Comment (2025-04-02): XXXXX
 
 
Seller Comment (2025-03-31): XXXXX
 
04/02/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
AZ
Primary
Purchase
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
68687881
33096638
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
QM Points and Fees XXXXX
Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 4.25556% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $39,086.96 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $11,532.24 or 1.25556%).
QM Points and Fees threshold exceeded by $11,532.24 or 1.25556%. Loan was consummated after XX/XX/XX. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations.
      
Reviewer Comment (2025-04-02): XXXXX
 
 
Seller Comment (2025-03-31): XXXXX
 
04/02/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AZ
Primary
Purchase
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64310885
32995391
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)
ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
Verification appraisal was delivered to borrower was not provided.
            
03/11/2025
2
B
B
B
B
B
B
B
B
B
B
  
AZ
Second Home
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
68612474
32902551
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
            
02/24/2025
2
B
B
B
B
B
B
B
B
B
B
  
SC
Second Home
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
68612474
32902552
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Loan designation failure due to ATR failure.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.
      
Reviewer Comment (2025-03-11): XXXXX
 
03/11/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
SC
Second Home
Purchase
Lender to provide updated ATR/QM status
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
68612474
32902553
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Income/Asset Guideline Deficiency - QM Impact
General QM:  There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)
There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.
      
Reviewer Comment (2025-03-07): XXXXX
 
 
Seller Comment (2025-03-06): XXXXX
 
03/07/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Second Home
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
68612474
32902554
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $565,162.48 is over disclosed by $275.00 compared to the calculated Amount Financed of $564,887.48 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX).
Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $565,162.48 is over disclosed by $275.00 compared to the calculated Amount Financed of $564,887.48 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate
      
Reviewer Comment (2025-03-18): XXXXX
 
 
Seller Comment (2025-03-17): XXXXX
 
 
Reviewer Comment (2025-03-13): XXXXX
 
 
Seller Comment (2025-03-12): XXXXX
 
 
Reviewer Comment (2025-03-10): XXXXX
 
 
Seller Comment (2025-03-07): XXXXX
 
 
Reviewer Comment (2025-03-06): XXXXX
 
 
Seller Comment (2025-03-05): XXXXX
 
 
Reviewer Comment (2025-03-03): XXXXX
 
 
Seller Comment (2025-02-28): XXXXX
 
  
03/18/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
SC
Second Home
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
68612474
32902555
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $834,667.71 is under disclosed by $275.00 compared to the calculated Finance Charge of $834,942.71 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX).
Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $834,667.71 is under disclosed by $275.00 compared to the calculated Finance Charge of $834,942.71 which exceeds the $100.00 threshold
      
Reviewer Comment (2025-03-18): XXXXX
 
 
Seller Comment (2025-03-17): XXXXX
 
 
Reviewer Comment (2025-03-13): XXXXX
 
 
Seller Comment (2025-03-12): XXXXX
 
 
Reviewer Comment (2025-03-10): XXXXX
 
 
Seller Comment (2025-03-07): XXXXX
 
 
Reviewer Comment (2025-03-06): XXXXX
 
 
Seller Comment (2025-03-05): XXXXX
 
 
Reviewer Comment (2025-03-03): XXXXX
 
 
Seller Comment (2025-02-28): XXXXX
 
  
03/18/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
SC
Second Home
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
68612474
32902557
    
Compliance
Compliance
Federal Compliance
TRID
TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $75.00 exceeds tolerance of $47.00 plus 10% or $51.70.  Sufficient or excess cure was provided to the borrower at Closing.
Ten Percent Fee Tolerance exceeded. Total amount of $75.00 exceeds tolerance of $47.00 plus 10% or $51.70. Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-02-20): XXXXX
 
  
02/20/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
SC
Second Home
Purchase
Final CD evidences Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
68612474
32902599
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
Based on the loan failing one or more guideline components, the loan is at QM risk.
      
Reviewer Comment (2025-03-11): XXXXX
 
03/11/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Second Home
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61916249
32962494
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Closing Disclosure Timing without Waiver
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
The file was missing a copy of the Closing Disclosure not provided to Borrower at least three business days prior to closing.
      
Reviewer Comment (2025-03-07): XXXXX
 
 
Seller Comment (2025-03-06): XXXXX
 
03/07/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Second Home
Purchase
No Defined Cure
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61916249
32962619
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/05/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Second Home
Purchase
  
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61085434
32996289
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Closing Disclosure Timing without Waiver
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
      
Reviewer Comment (2025-03-12): XXXXX
 
 
Seller Comment (2025-03-12): XXXXX
 
03/12/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Second Home
Purchase
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65326353
32995572
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
-
The file was missing a copy of Insurance Verification, Tax Verification for REO XXXXX.
      
Reviewer Comment (2025-03-12): XXXXX
 
 
Seller Comment (2025-03-12): XXXXX
 
03/12/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65013641
32733440
    
Compliance
Compliance
Federal Compliance
Missing Disclosure
Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing
FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure.
Notice of Special Flood Hazard Disclosure is not signed by the borrower.
      
Reviewer Comment (2025-01-03): XXXXX
 
 
Buyer Comment (2025-01-02): XXXXX
 
01/03/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
AL
Second Home
Purchase
  
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65013641
32733441
    
Credit
Disclosure
Missing Document
Disclosure
E-sign Consent Agreement is missing.
-
E-sign Consent Agreement is missing.
      
Reviewer Comment (2025-01-03): XXXXX
 
 
Buyer Comment (2025-01-03): XXXXX
 
01/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AL
Second Home
Purchase
  
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65013641
32733442
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
-
Insurance Verification for the REO property  XXXXX is missing.
      
Reviewer Comment (2025-01-03): XXXXX
 
 
Buyer Comment (2025-01-03): XXXXX
 
01/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AL
Second Home
Purchase
  
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65013641
32733443
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
As per AUS and initial closing disclosure Credit liability XXXXX, XXXXX and XXXXX are excluded, but did not reflecting on final CD and we do not have any documents to verify it. Please provide relevant documents to verify the omitted credit liability.
      
Reviewer Comment (2025-01-06): XXXXX
 
 
Buyer Comment (2025-01-03): XXXXX
 
01/06/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AL
Second Home
Purchase
  
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65013641
32733444
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
XXXXX and XXXXX months primary housing mortgage payment are missing for the Borrower current address -  XXXXX
      
Reviewer Comment (2025-01-06): XXXXX
 
 
Buyer Comment (2025-01-03): XXXXX
 
01/06/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AL
Second Home
Purchase
  
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65013641
32733445
    
Credit
Asset
Asset Documentation
Asset
Guideline Issue:Insufficient asset documentation.
-
Need a bank statements covering a two month period for the account number ending with #XXXXX. We have in file from XX/XX/XX To XX/XX/XX and XX/XX/XX To XX/XX/XX.
      
Reviewer Comment (2025-01-03): XXXXX
 
 
Buyer Comment (2025-01-03): XXXXX
 
01/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AL
Second Home
Purchase
  
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65013641
32733446
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2
  
XXXXX was not provided.  Missing Collateral Underwriting Score.
      
Reviewer Comment (2025-01-03): XXXXX
 
 
Buyer Comment (2025-01-03): XXXXX
 
01/03/2025
    
1
D
A
D
A
D
A
D
A
D
A
  
AL
Second Home
Purchase
  
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65013641
32733448
    
Credit
Insurance
Insurance Analysis
Insurance
Insufficient Coverage: Hazard insurance coverage amount is insufficient.
  
Hazard Insurance Coverage Amount is insufficient. Need an updated copy of hazard insurance policy or RCE.
      
Reviewer Comment (2025-01-03): XXXXX
 
 
Buyer Comment (2025-01-03): XXXXX
 
01/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AL
Second Home
Purchase
  
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65013641
32733449
    
Credit
Asset
Asset Documentation
Asset
Missing Document: Gift Letter not provided
  
Gift Letter to verify gift amount i.e. $31,000 is missing.
      
Reviewer Comment (2025-01-03): XXXXX
 
 
Buyer Comment (2025-01-03): XXXXX
 
01/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AL
Second Home
Purchase
  
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65013641
32733450
    
Credit
Borrower and Mortgage Eligibility
Mortgage / Program Eligibility
Borrower and Mortgage Eligibility
AUS Findings: Investor qualifying total debt ratio discrepancy.
  
DTI is high due to missing evidence of XXXXX and XXXXX payoffs. The payoffs are not reflected on the final CD. They are on the initial CD.
      
Reviewer Comment (2025-01-06): XXXXX
 
 
Buyer Comment (2025-01-05): XXXXX
 
01/06/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AL
Second Home
Purchase
  
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65013641
32733451
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX.): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared.
      
Reviewer Comment (2025-01-06): XXXXX
 
 
Buyer Comment (2025-01-03): XXXXX
 
01/06/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
AL
Second Home
Purchase
Lender to provide updated ATR/QM status
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65013641
32733452
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared.
      
Reviewer Comment (2025-01-06): XXXXX
 
 
Buyer Comment (2025-01-03): XXXXX
 
01/06/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AL
Second Home
Purchase
  
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63232202
32733472
    
Credit
Missing Document
General
Missing Document
Missing Document: Trust Agreement (Asset) not provided
  
Trust agreement for "XXXXX" to confirm the trustees of the trust to have access to funds from XXXXX Account # XXXXX is missing. These assets were included in the loan approval per final 1003 but omitted from review pending unfettered access.
      
Reviewer Comment (2024-12-17): XXXXX
 
 
Buyer Comment (2024-12-17): XXXXX
 
 
Reviewer Comment (2024-12-13): XXXXX
 
 
Buyer Comment (2024-12-13): XXXXX
 
12/17/2024
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Purchase
  
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63232202
32733473
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - XXXXX
TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 26,400.00 on Final Closing Disclosure provided on XX/XX/XX are overdisclosed.
Loan Disclosures: Non Escrowed Property Costs over Year 1 of 26,400.00 on Final Closing Disclosure provided on XX/XX/XX are overdisclosed. HOA Dues are $631.33 per month or $7,575.96 per year.
      
Reviewer Comment (2024-12-12): XXXXX
 
 
Buyer Comment (2024-12-11): XXXXX
 
  
12/12/2024
  
2
C
B
C
B
C
B
C
B
C
B
  
SC
Primary
Purchase
Letter of Explanation & Corrected Closing Disclosure
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
63232202
32733475
    
Credit
Missing Document
General
Missing Document
Missing Document: Account Statements - Personal not provided
  
Missing source of Earnest Money Deposit for $75,000.00 from XXXXX.
      
Reviewer Comment (2024-12-13): XXXXX
 
 
Buyer Comment (2024-12-13): XXXXX
 
12/13/2024
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Purchase
  
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63232202
32733476
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
Rural zoned properties ineligible.
The representative FICO score exceeds the guideline minimum by at least 40 points.
 
Borrower has been employed in the same industry for more than 5 years.
 
Borrower has verified disposable income of at least $2500.00.
 
Borrower has worked in the same position for more than 3 years.
 
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.
 
Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.
 
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.
 
The Loan to Value (LTV) on the loan is less than or equal to 70%.
 
The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.
 
The representative FICO score is above 680.
810 vs 680
SitusAMC,Aggregator
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
Reviewer Comment (2025-01-02): XXXXX
 
 
Buyer Comment (2025-01-02): XXXXX
 
 
Reviewer Comment (2024-12-11): XXXXX
 
 
Buyer Comment (2024-12-10): XXXXX
 
    
01/02/2025
2
C
B
C
B
C
B
C
B
C
B
  
SC
Primary
Purchase
  
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65124226
32970334
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $497,085.00 is over disclosed by $911.00 compared to the calculated Amount Financed of $496,174.00 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX).
Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $497,085.00 is over disclosed by $911.00 compared to the calculated Amount Financed of $496,174.00 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX). (Final/XX/XX/XX)
      
Reviewer Comment (2025-03-10): XXXXX
 
 
Seller Comment (2025-03-07): XXXXX
 
03/10/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65124226
32970335
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $670,391.96 is under disclosed by $911.00 compared to the calculated Finance Charge of $671,302.96 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX).
Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $670,391.96 is under disclosed by $911.00 compared to the calculated Finance Charge of $671,302.96 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). (Final/XX/XX/XX)
      
Reviewer Comment (2025-03-10): XXXXX
 
 
Seller Comment (2025-03-07): XXXXX
 
03/10/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
61324036
32771292
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
02/05/2025
2
B
B
B
B
B
B
B
B
B
B
  
NY
Primary
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61324036
32771295
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,491,964.52 is over disclosed by $813.90 compared to the calculated Amount Financed of $1,491,150.62 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX).
The disclosed Amount Financed in the amount of $1,491,964.52 is over disclosed by $813.90 compared to the calculated Amount Financed of $1,491,150.62 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate
      
Reviewer Comment (2025-02-18): XXXXX
 
 
Seller Comment (2025-02-17): XXXXX
 
 
Reviewer Comment (2025-02-10): XXXXX
 
 
Seller Comment (2025-02-07): XXXXX
 
 
Seller Comment (2025-02-06): XXXXX
 
  
02/18/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
NY
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
61324036
32771296
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $2,055,452.90 is under disclosed by $813.90 compared to the calculated Finance Charge of $2,056,266.80 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX).
The disclosed Amount Financed in the amount of $1,491,964.52 is over disclosed by $813.90 compared to the calculated Amount Financed of $1,491,150.62 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate
      
Reviewer Comment (2025-02-18): XXXXX
 
 
Seller Comment (2025-02-17): XXXXX
 
 
Reviewer Comment (2025-02-10): XXXXX
 
 
Seller Comment (2025-02-07): XXXXX
 
 
Seller Comment (2025-02-06): XXXXX
 
  
02/18/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
NY
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65276597
32951019
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)
ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
Verification appraisal was delivered to borrower 3 business days prior to closing was not provided.
            
03/04/2025
2
B
B
B
B
B
B
B
B
B
B
  
NH
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64082745
32900536
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
02/24/2025
2
B
B
B
B
B
B
B
B
B
B
  
ME
Second Home
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64082745
32900548
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
-
File does not have Statement in file.
      
Reviewer Comment (2025-02-25): XXXXX
 
 
Seller Comment (2025-02-25): XXXXX
 
02/25/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
ME
Second Home
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64082745
32900573
    
Credit
Insurance
Insurance Analysis
Insurance
Insufficient Coverage: Hazard insurance coverage amount is insufficient.
  
Hazard insurance amount is insufficient, required additional insurance coverage to cover the amount. Please provide additional insurance coverage document.
      
Reviewer Comment (2025-02-25): XXXXX
 
 
Seller Comment (2025-02-25): XXXXX
 
02/25/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
ME
Second Home
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64082745
32901039
    
Credit
Income / Employment
Income Documentation
Income / Employment
Verification(s) of employment is not within 10 business days of the Note.
-
Verification(s) of employment is not within 10 business days of the Note.
      
Reviewer Comment (2025-02-25): XXXXX
 
 
Seller Comment (2025-02-25): XXXXX
 
02/25/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
ME
Second Home
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64082745
32901040
    
Credit
Income / Employment
Income Documentation
Income / Employment
Verification(s) of employment is not within 10 business days of the Note.
-
Verification(s) of employment is not within 10 business days of the Note.
      
Reviewer Comment (2025-03-06): XXXXX
 
 
Seller Comment (2025-03-05): XXXXX
 
03/06/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
ME
Second Home
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
68313011
32979422
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
03/07/2025
2
B
B
B
B
B
B
B
B
B
B
  
MS
Second Home
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62691508
32926528
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
02/27/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66916947
32978822
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)
ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
Verification appraisal was delivered to borrower was not provided.
            
03/07/2025
2
B
B
B
B
B
B
B
B
B
B
  
NC
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62511138
32986344
    
Compliance
Compliance
Federal Compliance
RESPA
RESPA Disclosure -  List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower
RESPA Disclosure Rule (Dodd-Frank XXXXX): List of Homeownership Counseling Organizations was older than 30 days when provided to borrower.
List of Homeownership Counseling Organizations was older than 30 days when provided to borrower.
      
Reviewer Comment (2025-03-13): XXXXX
 
    
03/13/2025
2
B
B
B
B
B
B
B
B
B
B
  
UT
Primary
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62511138
32986346
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Certificate Fee.  Fee Amount of $100.00 exceeds tolerance of $87.00.  Insufficient or no cure was provided to the borrower.
Zero Percent Fee Tolerance exceeded for Tax Certificate Fee. Fee Amount of $100.00 exceeds tolerance of $87.00. Insufficient or no cure was provided to the borrower.
      
Reviewer Comment (2025-03-12): XXXXX
 
 
Seller Comment (2025-03-11): XXXXX
 
03/12/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
UT
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
68983352
32912001
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $92.70 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-02-21): XXXXX
 
  
02/21/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
TX
Second Home
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
60503296
33057100
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $85.00 exceeds tolerance of $70.00 plus 10% or $77.00.  Insufficient or no cure was provided to the borrower.
10% tolerance was exceeded by $85.00 due to increase of Tax service fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $77.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
      
Reviewer Comment (2025-03-21): XXXXX
 
 
Seller Comment (2025-03-20): XXXXX
 
03/21/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
GA
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
60503296
33093318
    
Compliance
Compliance
Federal Compliance
TRID
TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $85.00 exceeds tolerance of $70.00 plus 10% or $77.00.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-03-21): XXXXX
 
  
03/21/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
GA
Primary
Purchase
Final CD evidences Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
60687695
33039232
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
03/18/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Second Home
Refinance - Rate/Term
  
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
60687695
33039277
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/18/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Second Home
Refinance - Rate/Term
  
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66609978
32993780
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)
ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
Verification appraisal was delivered to borrower was not provided.
            
03/11/2025
2
B
B
B
B
B
B
B
B
B
B
  
MT
Primary
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66609978
32993782
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $165.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.
Appraisal Review Fee was last disclosed as $0.00 on LE but disclosed as $165.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $165.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
      
Reviewer Comment (2025-03-13): XXXXX
 
 
Seller Comment (2025-03-12): XXXXX
 
03/13/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MT
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
64070103
33090412
    
Credit
Income / Employment
Income Documentation
Income / Employment
The verification of employment is not within 10 business days of the Note.
-
The verification of employment is not within 10 business days of the Note for XXXXX.
      
Reviewer Comment (2025-03-26): XXXXX
 
 
Seller Comment (2025-03-25): XXXXX
 
03/26/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
IL
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64070103
33090419
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
        
Reviewer Comment (2025-03-28): XXXXX
 
 
Seller Comment (2025-03-25): XXXXX
 
03/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
IL
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64070103
33090422
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Waterfall exception triggered due to income documentation not meeting guides.
      
Reviewer Comment (2025-03-28): XXXXX
 
03/28/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
IL
Primary
Purchase
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
68854989
32970883
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
-
        
Reviewer Comment (2025-03-07): XXXXX
 
 
Seller Comment (2025-03-07): XXXXX
 
03/07/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NC
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66070707
33005902
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.
Appraisal Re-Inspection fee was not disclosed on Loan Estimate.  File does not contain a valid COC for this fee, nor evidence of cure.  Provide a post-close CD disclosing the tolerance cure to include $200.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
      
Reviewer Comment (2025-03-16): XXXXX
 
 
Seller Comment (2025-03-13): XXXXX
 
03/16/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
62686336
32935370
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
02/28/2025
2
B
B
B
B
B
B
B
B
B
B
  
WA
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65328717
32942596
    
Compliance
Compliance
State Compliance
Misc. State Level
Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely)
XXXXX HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of  receipt of the loan application.
Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of receipt of the loan application.
      
Reviewer Comment (2025-03-05): XXXXX
 
 
Seller Comment (2025-03-04): XXXXX
 
    
03/05/2025
2
B
B
B
B
B
B
B
B
B
B
  
WA
Primary
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65328717
32942597
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Loan Estimate Timing Electronically Provided
TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.
Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower.  Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application.
      
Reviewer Comment (2025-03-11): XXXXX
 
 
Seller Comment (2025-03-07): XXXXX
 
 
Reviewer Comment (2025-03-07): XXXXX
 
 
Seller Comment (2025-03-06): XXXXX
 
03/11/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WA
Primary
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65328717
32966785
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Provided Prior to Date Performed
ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements.
Secondary appraisal appears to have been updated per the effective date, evidence the updated appraisal was sent to the borrower was not in file.
      
Reviewer Comment (2025-03-05): XXXXX
 
 
Seller Comment (2025-03-04): XXXXX
 
    
03/05/2025
2
B
B
B
B
B
B
B
B
B
B
  
WA
Primary
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65328717
32966786
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Provided Prior to Date Performed
ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements.
Primary appraisal was documented to have been delivered to the borrower prior to the updated effective date.
      
Reviewer Comment (2025-03-05): XXXXX
 
    
03/05/2025
2
B
B
B
B
B
B
B
B
B
B
  
WA
Primary
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65328717
32966787
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)
ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
Primary appraisal appears to have been updated per the effective date, evidence the updated appraisal was sent to the borrower was not in file.
      
Reviewer Comment (2025-03-05): XXXXX
 
    
03/05/2025
2
B
B
B
B
B
B
B
B
B
B
  
WA
Primary
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65328717
32966788
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)
ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
Secondary appraisal was documented to have been delivered to the borrower prior to the updated effective date.
      
Reviewer Comment (2025-03-05): XXXXX
 
 
Seller Comment (2025-03-04): XXXXX
 
    
03/05/2025
2
B
B
B
B
B
B
B
B
B
B
  
WA
Primary
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67194548
32850215
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The Preliminary Title Policy is within XXXXX and does not reflect a coverage amount (no final title policy in file).
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
02/18/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61525731
33005408
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Closing Disclosure Timing without Waiver
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
      
Reviewer Comment (2025-03-30): XXXXX
 
 
Seller Comment (2025-03-27): XXXXX
 
03/30/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OR
Primary
Purchase
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65357756
33003739
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $55.00 exceeds tolerance of $30.00.  Sufficient or excess cure was provided to the borrower at Closing.
Credit Report Fee was last disclosed as $30.00 on LE but disclosed as $55.00 on Final Closing Disclosure.  Sufficient cure was provided to the borrower.
      
Reviewer Comment (2025-03-10): XXXXX
 
  
03/10/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
DC
Primary
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
69475901
33016007
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)
ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
Verification appraisal was delivered to borrower was not provided.
      
Reviewer Comment (2025-03-18): XXXXX
 
 
Seller Comment (2025-03-14): XXXXX
 
03/18/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
CA
Second Home
Purchase
  
B
B
B
B
B
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69475901
33016030
    
Compliance
Compliance
Federal Compliance
RESPA
RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application
RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.
The file was missing a copy of the executed Affiliated Business Arrangement Disclosure or proof of the borrower's electronic receipt of the disclosure.
      
Reviewer Comment (2025-03-18): XXXXX
 
 
Seller Comment (2025-03-14): XXXXX
 
03/18/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
CA
Second Home
Purchase
  
B
B
B
B
B
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69475901
33016042
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/13/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Second Home
Purchase
  
B
B
B
B
B
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67900501
32962324
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
-
Tax Verification doc is missing for property XXXXX
      
Reviewer Comment (2025-03-11): XXXXX
 
 
Seller Comment (2025-03-10): XXXXX
 
03/11/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62026661
33005370
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/12/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62026661
33005384
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.
Sufficient or excess cure was provided to the borrower at Closing for Second Appraisal Fee.
      
Reviewer Comment (2025-03-10): XXXXX
 
  
03/10/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Purchase
Final CD evidences Cure
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
62834145
32867261
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)
ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
Verification appraisal was delivered to borrower was not provided.
            
02/20/2025
2
B
B
B
B
B
B
B
B
B
B
  
FL
Second Home
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62834145
32867262
    
Compliance
Compliance
Federal Compliance
Missing Disclosure
Notice of Special Flood Hazard Disclosure Not Provided Timely
FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.
Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.
      
Reviewer Comment (2025-02-27): XXXXX
 
 
Reviewer Comment (2025-02-21): XXXXX
 
 
Seller Comment (2025-02-21): XXXXX
 
    
02/27/2025
2
B
B
B
B
B
B
B
B
B
B
  
FL
Second Home
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62834145
32867263
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee.  Fee Amount of $308.00 exceeds tolerance of $154.00.  Insufficient or no cure was provided to the borrower.
Credit Report Re-issue Fee was  last disclosed as $154.00 on LE but disclosed as $308.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $154.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
      
Reviewer Comment (2025-03-04): XXXXX
 
 
Seller Comment (2025-03-03): XXXXX
 
  
03/04/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
FL
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
62834145
32867265
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $85.00 exceeds tolerance of $60.00.  Insufficient or no cure was provided to the borrower.
Credit Report Fee was  last disclosed as $60.00 on LE but disclosed as $85.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $25.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
      
Reviewer Comment (2025-03-06): XXXXX
 
 
Reviewer Comment (2025-02-21): XXXXX
 
 
Seller Comment (2025-02-21): XXXXX
 
  
03/06/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
FL
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
62834145
32867291
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Closing Disclosure Timing without Waiver
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
Evidence of earlier borrower receipt was not found in file.
      
Reviewer Comment (2025-02-21): XXXXX
 
 
Seller Comment (2025-02-21): XXXXX
 
02/21/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Second Home
Purchase
No Defined Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62834145
32867293
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $978.50 exceeds tolerance of $836.00 plus 10% or $919.60.  Insufficient or no cure was provided to the borrower.
10% tolerance was exceeded by $58.90 due to increase of recording fee.  No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $58.90, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
      
Reviewer Comment (2025-03-06): XXXXX
 
 
Seller Comment (2025-03-05): XXXXX
 
 
Reviewer Comment (2025-02-26): XXXXX
 
 
Seller Comment (2025-02-25): XXXXX
 
 
Reviewer Comment (2025-02-21): XXXXX
 
 
Seller Comment (2025-02-21): XXXXX
 
03/06/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
64243660
33022831
    
Credit
Loan Package Documentation
Loan File
Missing Document
Missing Document: Hazard Insurance Policy not provided
  
Hazard Insurance Policy is missing in file.
      
Reviewer Comment (2025-03-17): XXXXX
 
03/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NC
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64885485
33123922
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/31/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64885485
33123989
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien
TRID Final Closing Disclosure XX/XX/XX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2.
Final cd in file did not disclose any seller paid fees , no seller cd in file
      
Reviewer Comment (2025-04-03): XXXXX
 
04/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
Letter of Explanation & Corrected Closing Disclosure
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
64885485
33124360
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
03/31/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62357776
33030393
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $68.50 exceeds tolerance of $60.00.  Sufficient or excess cure was provided to the borrower at Closing.
Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $68.50 exceeds tolerance of $60.00. Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-03-13): XXXXX
 
  
03/13/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
66668917
33023202
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $169.95 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-03-12): XXXXX
 
  
03/12/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
69439611
32988543
    
Credit
Guideline
Guideline Issue
Guideline
Ineligible Property Type.
Property Type:  ___
Subject is a non-warrantable condo which is not allowed per XXXXX selling guide.  Loan was submitted under an Agency program.
      
Reviewer Comment (2025-03-18): XXXXX
 
 
Reviewer Comment (2025-03-13): XXXXX
 
 
Seller Comment (2025-03-12): XXXXX
 
 
Seller Comment (2025-03-10): XXXXX
 
03/18/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NY
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67846700
32950999
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
            
03/04/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67846700
32951080
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
Preliminary title policy does not state a coverage amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/04/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67846700
32975728
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Exception triggered due to loan failing QM. Exceptipn will update once all QM exceptions are addressed.
      
Reviewer Comment (2025-03-11): XXXXX
 
03/11/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
CA
Primary
Purchase
Lender to provide updated ATR/QM status
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67846700
32975729
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Employment - Schedule C
General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.
Third party verification of the sole proprietorship business was not located in file.
      
Reviewer Comment (2025-03-11): XXXXX
 
 
Seller Comment (2025-03-06): XXXXX
 
03/11/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
  
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69662218
32994714
    
Compliance
Compliance
Federal Compliance
TRID
ECOA Appraisal Disclosure - ECOA Timing
ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.
File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.
      
Reviewer Comment (2025-03-13): XXXXX
 
 
Seller Comment (2025-03-12): XXXXX
 
03/13/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
NY
Second Home
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69662218
32994715
    
Compliance
Compliance
Federal Compliance
RESPA
RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application
RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.
RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.
      
Reviewer Comment (2025-03-14): XXXXX
 
 
Seller Comment (2025-03-12): XXXXX
 
03/14/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
NY
Second Home
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69662218
32994716
    
Compliance
Compliance
Federal Compliance
RESPA
RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application
RESPA Disclosure Rule (Dodd-Frank XXXXX): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.
The file was missing proof the disclosure was provided to the borrower(s) within 3 days of the application date.
            
03/11/2025
2
B
B
B
B
B
B
B
B
B
B
  
NY
Second Home
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69662218
32994717
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Loan Estimate Timing Electronically Provided
TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.
Evidence of earlier borrower receipt was not found in file.
      
Reviewer Comment (2025-03-13): XXXXX
 
 
Seller Comment (2025-03-12): XXXXX
 
03/13/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NY
Second Home
Refinance - Cash-out - Other
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69662218
32994722
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,379,766.71 is over disclosed by $222.00 compared to the calculated Amount Financed of $1,379,544.71 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX).
Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,379,766.71 is over disclosed by $222.00 compared to the calculated Amount Financed of $1,379,544.71 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX).
      
Reviewer Comment (2025-03-19): XXXXX
 
 
Seller Comment (2025-03-18): XXXXX
 
 
Reviewer Comment (2025-03-17): XXXXX
 
 
Seller Comment (2025-03-14): XXXXX
 
  
03/19/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
NY
Second Home
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
69662218
32994723
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $2,015,774.01 is under disclosed by $222.00 compared to the calculated Finance Charge of $2,015,996.01 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX).
Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $2,015,774.01 is under disclosed by $222.00 compared to the calculated Finance Charge of $2,015,996.01 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX).
      
Reviewer Comment (2025-03-19): XXXXX
 
 
Seller Comment (2025-03-18): XXXXX
 
 
Reviewer Comment (2025-03-17): XXXXX
 
 
Seller Comment (2025-03-14): XXXXX
 
  
03/19/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
NY
Second Home
Refinance - Cash-out - Other
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
60314693
33075924
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,800.00 exceeds tolerance of $900.00.  Sufficient or excess cure was provided to the borrower at Closing.
Appraisal Fee. Fee Amount of $1,800.00 exceeds tolerance of $900.00. Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-03-18): XXXXX
 
  
03/18/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67905543
33061029
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification of appraisal was delivered to borrower was not provided
            
03/19/2025
2
B
B
B
B
B
B
B
B
B
B
  
FL
Second Home
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66096293
33008502
    
Credit
Title
General
Title
Title Policy Coverage is less than Original Loan Amount.
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
The Title Policy Amount of $XXXXX is less than the note amount of $XXXXX based on the Commitment in file.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/13/2025
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Refinance - Rate/Term
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66096293
33008507
    
Credit
Asset
Asset Calculation / Analysis
Asset
Available for Closing is insufficient to cover Cash From Borrower.
  
Documented qualifying Assets for Closing of  $0.00 is less than Cash From Borrower $1,225.00.
      
Reviewer Comment (2025-03-17): XXXXX
 
 
Seller Comment (2025-03-14): XXXXX
 
03/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Rate/Term
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66096293
33009112
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee 3.  Fee Amount of $85.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-03-11): XXXXX
 
  
03/11/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Refinance - Rate/Term
Final CD evidences Cure
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65523454
33082062
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
03/21/2025
2
B
B
B
B
B
B
B
B
B
B
  
CO
Primary
Refinance - Rate/Term
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65523454
33082063
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
03/21/2025
2
B
B
B
B
B
B
B
B
B
B
  
CO
Primary
Refinance - Rate/Term
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65523454
33082066
    
Compliance
Compliance
State Compliance
Misc. State Level
Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided)
XXXXX Consumer Credit Code: Borrower not provided First Lien Refinance Notice.
Borrower not provided First Lien Refinance Notice.
      
Reviewer Comment (2025-03-27): XXXXX
 
 
Seller Comment (2025-03-24): XXXXX
 
    
03/27/2025
2
B
B
B
B
B
B
B
B
B
B
  
CO
Primary
Refinance - Rate/Term
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65523454
33082067
    
Compliance
Compliance
Federal Compliance
TRID Defect
TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File
TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $7,738.00 XXXXX be required.
Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $7,738.00 XXXXX be required.
      
Reviewer Comment (2025-03-25): XXXXX
 
 
Seller Comment (2025-03-24): XXXXX
 
03/25/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CO
Primary
Refinance - Rate/Term
No Defined Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65523454
33114116
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $1,100.00 exceeds tolerance of $1,000.00.  Insufficient or no cure was provided to the borrower.
Receipt of invoice is not valid increase in fees. Cure is required.
      
Reviewer Comment (2025-04-02): XXXXX
 
 
Seller Comment (2025-04-01): XXXXX
 
 
Reviewer Comment (2025-03-27): XXXXX
 
 
Seller Comment (2025-03-26): XXXXX
 
  
04/02/2025
  
2
  
B
  
B
  
B
  
B
  
B
  
CO
Primary
Refinance - Rate/Term
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
69137365
33005501
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/12/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65701914
32968957
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $38.50 exceeds tolerance of $30.00.  Sufficient or excess cure was provided to the borrower at Closing.
Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $38.50 exceeds tolerance of $30.00. Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-03-04): XXXXX
 
  
03/04/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
63349716
32988723
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Exception triggered due to loan failing QM and will be updated once all QM items have been addressed.
      
Reviewer Comment (2025-03-07): XXXXX
 
 
Seller Comment (2025-03-07): XXXXX
 
03/07/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
CA
Second Home
Purchase
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
63349716
32988724
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Employment - C-Corp 1120
General QM: Unable to verify current C-Corp status using reasonably reliable third-party records.
Third party business verification source document is not dated and therefore cannot be confirmed to have been obtained per guideline requirements.
      
Reviewer Comment (2025-03-07): XXXXX
 
 
Seller Comment (2025-03-07): XXXXX
 
03/07/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Second Home
Purchase
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63612890
32934173
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee.  Fee Amount of $500.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.
Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $500.00 exceeds tolerance of $0.00. Sufficient cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-02-26): XXXXX
 
  
02/26/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
66538862
32982121
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $4,536.27 exceeds tolerance of $4,436.00.  Insufficient or no cure was provided to the borrower.
Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,536.27 exceeds tolerance of $4,436.00. Insufficient or no cure was provided to the borrower.
      
Reviewer Comment (2025-03-12): XXXXX
 
 
Seller Comment (2025-03-10): XXXXX
 
03/12/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MT
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65255731
32895826
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
02/19/2025
2
B
B
B
B
B
B
B
B
B
B
  
CO
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
68027028
32893938
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)
ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
Verification appraisal was delivered to borrower was not provided.
            
02/20/2025
2
B
B
B
B
B
B
B
B
B
B
  
WA
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62868539
32908004
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $7,915.60 exceeds tolerance of $7,421.00.  Insufficient or no cure was provided to the borrower.
Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $7,915.60 exceeds tolerance of $7,421.00. Insufficient or no cure was provided to the borrower.
      
Reviewer Comment (2025-02-26): XXXXX
 
 
Seller Comment (2025-02-24): XXXXX
 
 
Reviewer Comment (2025-02-24): XXXXX
 
 
Seller Comment (2025-02-21): XXXXX
 
02/26/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67914486
32894816
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Loan designation failure due to failing QM points and fees. This exception will be cleared once all QM specific exceptions have been cured/cleared.
      
Reviewer Comment (2025-02-27): XXXXX
 
 
Seller Comment (2025-02-24): XXXXX
 
02/27/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
PA
Primary
Purchase
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67914486
32894817
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
QM Points and Fees XXXXX
Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 3.45529% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $29,945.00 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $3,945.75 or .45529%).
QM Points and Fees threshold exceeded by $3,945.75 or .45529%. Loan was consummated after XX/XX/XX. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations.
      
Reviewer Comment (2025-02-27): XXXXX
 
 
Seller Comment (2025-02-24): XXXXX
 
02/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
PA
Primary
Purchase
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65083131
32895414
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Legal / Regulatory / Compliance
Final Title Policy is missing. No evidence of title in file.
  
Title Final or Preliminary is missing.
      
Reviewer Comment (2025-02-27): XXXXX
 
 
Seller Comment (2025-02-21): XXXXX
 
02/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WA
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67378252
32887001
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Loan Estimate Timing Electronically Provided
TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.
Evidence of earlier borrower receipt was not found in file.
      
Reviewer Comment (2025-02-24): XXXXX
 
 
Seller Comment (2025-02-21): XXXXX
 
02/24/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Purchase
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62585363
32894539
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Title
Title Policy is Preliminary or Commitment, and not a Final Title Policy.
  
The file was missing a copy of the final title policy.
      
Reviewer Comment (2025-02-25): XXXXX
 
02/25/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62585363
32894543
    
Credit
Title
Document Error
Title
The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
      
Reviewer Comment (2025-02-25): XXXXX
 
 
Seller Comment (2025-02-21): XXXXX
 
02/25/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WA
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62585363
32894552
    
Credit
Documents
Missing Document
Documents
File does not contain documentation from lender/seller confirming the condo is warrantable.
-
File does not contain documentation from lender/seller confirming the condo is warrantable
      
Reviewer Comment (2025-02-25): XXXXX
 
 
Seller Comment (2025-02-21): XXXXX
 
02/25/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WA
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63089861
32896355
    
Credit
Insurance
Insurance Analysis
Insurance
Insufficient Coverage: Hazard insurance coverage amount is insufficient.
  
HOI coverage is insufficient by $200.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount.
      
Reviewer Comment (2025-02-25): XXXXX
 
 
Seller Comment (2025-02-25): XXXXX
 
 
Reviewer Comment (2025-02-24): XXXXX
 
 
Seller Comment (2025-02-21): XXXXX
 
02/25/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NC
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
68914969
32894704
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
            
02/19/2025
2
B
B
B
B
B
B
B
B
B
B
  
WA
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
68914969
32894705
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
            
02/19/2025
2
B
B
B
B
B
B
B
B
B
B
  
WA
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65318013
32993850
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $-390.88 exceeds tolerance of $-690.00. Insufficient or no cure was provided to the borrower.
Lender Credits Fee was last disclosed as -$690.00 on LE but disclosed as -$390.88 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $299.12, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
      
Reviewer Comment (2025-03-13): XXXXX
 
 
Seller Comment (2025-03-12): XXXXX
 
03/13/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Rate/Term
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
61035656
33073702
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $722.19 exceeds tolerance of $673.00.  Insufficient or no cure was provided to the borrower.
Loan Discount Points Fee was last disclosed as $673.00 on LE but disclosed as $722.19 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.
      
Reviewer Comment (2025-04-03): XXXXX
 
 
Seller Comment (2025-04-02): XXXXX
 
 
Reviewer Comment (2025-03-27): XXXXX
 
 
Seller Comment (2025-03-25): XXXXX
 
04/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AZ
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
60139733
33003576
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $300.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.
Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $300.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-03-10): XXXXX
 
  
03/10/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
60525056
33094653
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,060,215.06 is over disclosed by $910.00 compared to the calculated Amount Financed of $1,059,305.06 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX).
Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,060,215.06 is over disclosed by $910.00 compared to the calculated Amount Financed of $1,059,305.06 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX)
      
Reviewer Comment (2025-03-27): XXXXX
 
 
Seller Comment (2025-03-26): XXXXX
 
03/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
60525056
33094654
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $1,406,260.34 is under disclosed by $910.00 compared to the calculated Finance Charge of $1,407,170.34 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX).
The disclosed Finance Charge in the amount of $1,406,260.34 is under disclosed by $910.00 compared to the calculated Finance Charge of $1,407,170.34 which exceeds the $100.00 threshold.
      
Reviewer Comment (2025-03-27): XXXXX
 
 
Seller Comment (2025-03-27): XXXXX
 
03/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67371803
33082401
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $852.00 exceeds tolerance of $389.00 plus 10% or $427.90.  Insufficient or no cure was provided to the borrower.
Ten Percent Fee Tolerance exceeded. Total amount of $852.00 exceeds tolerance of $389.00 plus 10% or $427.90. Insufficient or no cure was provided to the borrower.
      
Reviewer Comment (2025-04-02): XXXXX
 
 
Seller Comment (2025-04-01): XXXXX
 
 
Reviewer Comment (2025-03-27): XXXXX
 
 
Seller Comment (2025-03-25): XXXXX
 
  
04/02/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
NY
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
66826463
33038556
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/18/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66826463
33038684
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Closing Disclosure Timing without Waiver
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
      
Reviewer Comment (2025-03-26): XXXXX
 
 
Seller Comment (2025-03-24): XXXXX
 
03/26/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
No Defined Cure
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66826463
33117777
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-03-26): XXXXX
 
  
03/26/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
CA
Primary
Purchase
Final CD evidences Cure
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
69783143
33142314
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $28,717.20 exceeds tolerance of $97.00.  Insufficient or no cure was provided to the borrower.
Loan Discount Points fee amount of $28,717.20 exceeds tolerance of $97.00. Insufficient or no cure was provided to the borrower.
      
Reviewer Comment (2025-04-03): XXXXX
 
 
Seller Comment (2025-04-02): XXXXX
 
04/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
69783143
33142315
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $55.00 exceeds tolerance of $30.00.  Insufficient or no cure was provided to the borrower.
Credit Report Fee amount of $55.00 exceeds tolerance of $30.00. Insufficient or no cure was provided to the borrower.
      
Reviewer Comment (2025-04-03): XXXXX
 
 
Seller Comment (2025-04-02): XXXXX
 
04/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
69783143
33180621
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $55.00 exceeds tolerance of $30.00.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-04-03): XXXXX
 
  
04/03/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
CA
Primary
Purchase
Final CD evidences Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
68616251
33021716
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $205.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.
Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $205.00 exceeds tolerance of $0.00. Sufficient cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-03-12): XXXXX
 
  
03/12/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Purchase
Final CD evidences Cure
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
68616251
33021732
    
Credit
Missing Document
General
Missing Document
Missing Document: Verification of Non-US Citizen Status not provided
  
Verification of Non-US Citizen document not provided.
      
Reviewer Comment (2025-03-19): XXXXX
 
 
Seller Comment (2025-03-19): XXXXX
 
03/19/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61445844
33023248
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.
Most Recent Valuation Inspection Date: ___
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX declared end date.
Borrower has verified disposable income of at least $2500.00.
 
Borrower has worked in the same position for more than 3 years.
 
Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.
 
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.
 
The Loan to Value (LTV) on the loan is less than or equal to 70%.
 
The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.
 
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
 
The qualifying DTI on the loan is less than or equal to 35%.
 
The representative FICO score is above 680.
  
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
Reviewer Comment (2025-03-18): XXXXX
 
    
03/18/2025
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Purchase
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63954032
33031322
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/17/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63954032
33031349
    
Credit
Credit
AUS Discrepancy / Guidelines Discrepancy
Credit
Guideline Requirement: Maximum Loan Amount discrepancy.
Note loan amount of ___ is greater than Guideline maximum loan amount of ___.
  
Borrower has been employed in the same industry for more than 5 years.
 
Borrower has worked in the same position for more than 3 years.
 
Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.
 
The Loan to Value (LTV) on the loan is less than or equal to 70%.
 
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
 
The qualifying DTI on the loan is less than or equal to 35%.
 
The representative FICO score exceeds the guideline minimum by at least 40 points.
 
The representative FICO score is above 680.
  
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
Reviewer Comment (2025-03-25): XXXXX
 
 
Reviewer Comment (2025-03-24): XXXXX
 
 
Seller Comment (2025-03-19): XXXXX
 
    
03/25/2025
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Purchase
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63954032
33031376
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $85.00 exceeds tolerance of $30.00.  Sufficient or excess cure was provided to the borrower at Closing.
Credit Report  Fee Amount of $85.00 exceeds tolerance of $30.00.  Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-03-13): XXXXX
 
  
03/13/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Purchase
Final CD evidences Cure
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
64896985
33011909
    
Credit
Insurance
Insurance Analysis
Insurance
Insufficient Coverage: Hazard insurance coverage amount is insufficient.
  
HOI coverage is insufficient by $125,160.00. Provide updated policy reflecting minimum coverage of  $1,125,160.00 OR provide copy of insurer's replacement cost estimate supporting current coverage amount.
      
Reviewer Comment (2025-03-25): XXXXX
 
 
Seller Comment (2025-03-24): XXXXX
 
03/25/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64896985
33011923
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
03/13/2025
2
B
B
B
B
B
B
B
B
B
B
  
SC
Primary
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64896985
33011924
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed whether Homeowners insurance is included in escrow in incorrect section.  Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table.  Disclosure requirement met, non-material exception for incorrect format/placement.
Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement.
      
Reviewer Comment (2025-03-20): XXXXX
 
    
03/20/2025
2
B
B
B
B
B
B
B
B
B
B
  
SC
Primary
Purchase
Good Faith Redisclosure
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
64896985
33011926
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee.  Fee Amount of $225.00 exceeds tolerance of $150.00.  Insufficient or no cure was provided to the borrower.
Title - Examination Fee was last disclosed as $150.00 on LE but disclosed as $225.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $75.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
      
Reviewer Comment (2025-03-17): XXXXX
 
 
Seller Comment (2025-03-14): XXXXX
 
03/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
60531780
32929811
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Loan designation failure due to ATR failure.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.
      
Reviewer Comment (2025-03-05): XXXXX
 
 
Seller Comment (2025-03-04): XXXXX
 
 
Reviewer Comment (2025-02-28): XXXXX
 
 
Seller Comment (2025-02-28): XXXXX
 
03/05/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
TX
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
60531780
32929812
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Employment - Schedule C
General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.
Missing 3rd party verification for schedule C business
      
Reviewer Comment (2025-03-05): XXXXX
 
 
Seller Comment (2025-03-04): XXXXX
 
 
Seller Comment (2025-03-03): XXXXX
 
 
Reviewer Comment (2025-02-28): XXXXX
 
 
Seller Comment (2025-02-28): XXXXX
 
03/05/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62290017
32996856
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.
Second Appraisal Fee was not disclosed on Loan Estimate.  File does not contain a valid COC for this fee, nor evidence of cure.  Provide a post-close CD disclosing the tolerance cure to include $250.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
      
Seller Comment (2025-03-13): XXXXX
 
 
Reviewer Comment (2025-03-13): XXXXX
 
03/13/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CO
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
64619734
32987771
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Waterfall exception due to loan failing point and fees and will be cleared once the points and fees exception is addressed.
      
Reviewer Comment (2025-03-14): XXXXX
 
 
Seller Comment (2025-03-11): XXXXX
 
03/14/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
CA
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
64619734
32987772
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
QM Points and Fees XXXXX
Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 3.24679% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $43,620.00 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $3,315.55 or .24679%).
Points and Fees on subject loan of 3.24679% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $43,620.00 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $40,304.45
      
Reviewer Comment (2025-03-14): XXXXX
 
 
Seller Comment (2025-03-11): XXXXX
 
03/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63909740
33021119
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
03/14/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63909740
33023090
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/14/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67609532
33103498
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/26/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
68253363
33095854
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $1,405.61 exceeds tolerance of $716.59.  Insufficient or no cure was provided to the borrower.
Loan Discount Points was last disclosed as $716.59 on LE but disclosed as $1,405.61 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.
      
Reviewer Comment (2025-03-27): XXXXX
 
 
Seller Comment (2025-03-26): XXXXX
 
03/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
68253363
33095855
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $5,052.85 exceeds tolerance of $2,888.00.  Insufficient or no cure was provided to the borrower.
Transfer Tax was last disclosed as $2,888 on LE but disclosed as $5,052.85 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.
      
Reviewer Comment (2025-03-27): XXXXX
 
 
Seller Comment (2025-03-26): XXXXX
 
03/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
68253363
33130063
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $5,052.85 exceeds tolerance of $2,888.00.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-03-27): XXXXX
 
  
03/27/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
FL
Primary
Purchase
Final CD evidences Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
69608368
32987688
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
QM Points and Fees XXXXX
Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 4.04022% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $40,761.00 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $10,494.60 or 1.04022%).
QM Points and Fees threshold exceeded by $10,494.60 or 1.04022%. Loan was consummated after XX/XX/XX. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations.
      
Reviewer Comment (2025-03-14): XXXXX
 
 
Seller Comment (2025-03-11): XXXXX
 
03/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
ID
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69608368
32988666
    
Compliance
Compliance
Federal Compliance
ATR/QM
NonQM ATR
Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied.
Loan designation failure due to ATR failure.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.
      
Reviewer Comment (2025-03-14): XXXXX
 
03/14/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
ID
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69608368
32988667
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Loan designation failure due to ATR failure.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.
      
Reviewer Comment (2025-03-17): XXXXX
 
 
Seller Comment (2025-03-11): XXXXX
 
03/17/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
ID
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
69608368
32988717
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General Ability To Repay Provision Income and Assets - S-Corp
Ability to Repay (Dodd-Frank XXXXX): Unable to verify S-Corp income using reasonably reliable third-party records.
Waterfall exception due to loan failing QM points and fees.
      
Reviewer Comment (2025-03-14): XXXXX
 
 
Seller Comment (2025-03-13): XXXXX
 
03/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
ID
Primary
Refinance - Cash-out - Other
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67080713
33084167
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/21/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69084621
33061609
    
Credit
Title
General
Title
Title Policy Coverage is less than Original Loan Amount.
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/19/2025
2
B
B
B
B
B
B
B
B
B
B
  
CO
Second Home
Purchase
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69084621
33062254
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $92.70 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-03-17): XXXXX
 
  
03/17/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CO
Second Home
Purchase
Final CD evidences Cure
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
69084621
33084089
    
Credit
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Subject Property  is greater than 10 acres.
-
Subject is located on
60 acres of land.  Lender exception noted in file.
Borrower has been employed in the same industry for more than 5 years.
 
Borrower has verified disposable income of at least $2500.00.
 
Borrower has worked in the same position for more than 3 years.
 
Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.
 
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.
 
The Loan to Value (LTV) on the loan is less than or equal to 70%.
 
The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.
 
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
 
The qualifying DTI on the loan is less than or equal to 35%.
 
The representative FICO score exceeds the guideline minimum by at least 40 points.
 
The representative FICO score is above 680.
  
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
Reviewer Comment (2025-03-25): XXXXX
 
 
Reviewer Comment (2025-03-20): XXXXX
 
 
Seller Comment (2025-03-20): XXXXX
 
 
Reviewer Comment (2025-03-19): XXXXX
 
    
03/25/2025
2
C
B
C
B
C
B
C
B
C
B
  
CO
Second Home
Purchase
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69084621
33084294
    
Credit
Missing Document
General
Missing Document
Missing Document: Explanation Letter not provided
  
Final CD provided to support the net proceeds being used for the subject shows the seller to be an entity, XXXXX.  There is not supporting evidence of the relationship between this entity and the borrower, nor that the borrower has access to these funds free and clear.  Without the relationship being established, the funds cannot be used.
      
Reviewer Comment (2025-03-20): XXXXX
 
 
Seller Comment (2025-03-20): XXXXX
 
03/20/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CO
Second Home
Purchase
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69084621
33084321
    
Credit
Asset
Asset Calculation / Analysis
Asset
Available for Closing is insufficient to cover Cash From Borrower.
  
Final CD provided to support the net proceeds being used for the subject shows the seller to be an entity, XXXXX.  There is not supporting evidence of the relationship between this entity and the borrower, nor that the borrower has access to these funds free and clear.  Without the relationship being established, the funds cannot be used.
      
Reviewer Comment (2025-03-20): XXXXX
 
 
Seller Comment (2025-03-20): XXXXX
 
03/20/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CO
Second Home
Purchase
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62159721
33072135
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/20/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69568814
33022703
    
Credit
Disclosure
Missing Document
Disclosure
E-sign Consent Agreement is missing.
-
The file is missing a copy of E-sign Consent Agreement Document.
      
Reviewer Comment (2025-03-17): XXXXX
 
 
Seller Comment (2025-03-17): XXXXX
 
03/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69568814
33022711
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
- ___
The file is missing a copy of Insurance Verification and mortgage statement.
      
Reviewer Comment (2025-03-17): XXXXX
 
 
Seller Comment (2025-03-17): XXXXX
 
03/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69568814
33022715
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
-
The file is missing a copy of Insurance Verification and mortgage statement.
      
Reviewer Comment (2025-03-17): XXXXX
 
 
Seller Comment (2025-03-17): XXXXX
 
03/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64170998
32929034
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income Docs Missing:
-
4506-C (XXXXX) document is missing in file for borrower XXXXX.
      
Reviewer Comment (2025-01-09): XXXXX
 
 
Buyer Comment (2025-01-08): XXXXX
 
01/09/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
UT
Primary
Refinance - Rate/Term
  
C
A
C
A
C
A
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64170998
32929035
    
Property
Property - Appraisal
General Appraisal Requirements
Property - Appraisal
The transaction closed as a refinance of a primary residence, and the valuation reflects that the subject property is vacant.  Unable to verify occupancy.
-
Required revised appraisal report with occupancy status reflecting as owner occupied.
      
Reviewer Comment (2025-01-09): XXXXX
 
 
Buyer Comment (2025-01-08): XXXXX
 
01/09/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
UT
Primary
Refinance - Rate/Term
  
C
A
C
A
C
A
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64170998
32929036
    
Credit
Title
General
Title
Title Policy Coverage is less than Original Loan Amount.
  
The Title Report in file disclosed $XXXXX of title insurance coverage; however this is less than the loan amount of $XXXXX. Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-03-20): XXXXX
 
 
Reviewer Comment (2025-01-09): XXXXX
 
 
Buyer Comment (2025-01-08): XXXXX
 
01/09/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
UT
Primary
Refinance - Rate/Term
  
C
A
C
A
C
A
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64170998
32929037
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Title
Title Policy is Preliminary or Commitment, and not a Final Title Policy.
          
Reviewer Comment (2025-01-09): XXXXX
 
01/09/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
UT
Primary
Refinance - Rate/Term
  
C
A
C
A
C
A
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64170998
32929038
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: AUS not provided
  
AUS document is missing in file.
      
Reviewer Comment (2025-01-10): XXXXX
 
 
Buyer Comment (2025-01-10): XXXXX
 
01/10/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
UT
Primary
Refinance - Rate/Term
  
C
A
C
A
C
A
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64170998
32929039
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided
  
Loan Underwriting and Transmittal Summary (1008) / MCAW document is missing in file.
      
Reviewer Comment (2025-01-09): XXXXX
 
 
Buyer Comment (2025-01-08): XXXXX
 
01/09/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
UT
Primary
Refinance - Rate/Term
  
C
A
C
A
C
A
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64170998
32929040
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Acknowledgement of Receipt of Appraisal document is missing in file.
      
Reviewer Comment (2025-01-16): XXXXX
 
 
Buyer Comment (2025-01-15): XXXXX
 
 
Reviewer Comment (2025-01-09): XXXXX
 
 
Buyer Comment (2025-01-08): XXXXX
 
01/16/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
UT
Primary
Refinance - Rate/Term
  
C
A
C
A
C
A
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64170998
32929042
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
Notice of Right to Cancel Missing
Truth in Lending Act: Notice of Right to Cancel was not provided.
Notice of Right to Cancel document is not provided in file.
      
Reviewer Comment (2025-01-13): XXXXX
 
 
Buyer Comment (2025-01-10): XXXXX
 
01/13/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
UT
Primary
Refinance - Rate/Term
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
C
A
C
A
C
A
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67062385
32929053
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower within 3 days of closing was not provided.  Waiver not provided.
      
Reviewer Comment (2025-01-10): XXXXX
 
 
Buyer Comment (2025-01-09): XXXXX
 
 
Reviewer Comment (2025-01-08): XXXXX
 
 
Buyer Comment (2025-01-07): XXXXX
 
01/10/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
CO
Second Home
Purchase
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67062385
32929055
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $420.00 exceeds tolerance of $230.00.  Insufficient or no cure was provided to the borrower.
Cure provided at closing, this exception will be cleared when al other open TRID issues have been resolved.
      
Reviewer Comment (2025-01-08): XXXXX
 
 
Buyer Comment (2025-01-07): XXXXX
 
01/08/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CO
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67062385
32929056
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Transfer Fees.  Fee Amount of $16.40 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.
No COC or cure provided.
      
Reviewer Comment (2025-01-10): XXXXX
 
 
Buyer Comment (2025-01-09): XXXXX
 
 
Reviewer Comment (2025-01-08): XXXXX
 
 
Buyer Comment (2025-01-07): XXXXX
 
01/10/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CO
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67062385
32929057
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Water Testing Fee.  Fee Amount of $37.89 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.
Water Testing Fee  amount is not reflecting in Initial LE, however in final CD its reflecting, no valid COC or cure provided.
      
Reviewer Comment (2025-01-10): XXXXX
 
 
Buyer Comment (2025-01-09): XXXXX
 
 
Reviewer Comment (2025-01-08): XXXXX
 
 
Buyer Comment (2025-01-07): XXXXX
 
01/10/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CO
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67062385
32929059
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $420.00 exceeds tolerance of $230.00.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-01-10): XXXXX
 
  
01/10/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
CO
Second Home
Purchase
Final CD evidences Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
61862411
32929097
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
        
Reviewer Comment (2025-01-13): XXXXX
 
 
Buyer Comment (2025-01-10): XXXXX
 
01/13/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
CA
Primary
Refinance - Rate/Term
  
B
A
A
A
B
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61862411
32929101
    
Credit
Credit
Miscellaneous
Credit
Miscellaneous Credit (Non-Material):
  
XXXXX updated county loan limits for XXXXX early on XX/XX/XX) which is after XX/XX/XX will show approve/eligible vs approve ineligible with respect to loan limits. For this loan XXXXX loan limits in XXXXX was $1,149,825 vs XXXXX limits of $1,209,750. Subject loan was $XXXXX.
      
Reviewer Comment (2025-01-14): XXXXX
 
 
Buyer Comment (2025-01-14): XXXXX
 
01/14/2025
    
1
  
A
  
A
  
A
  
A
  
A
  
CA
Primary
Refinance - Rate/Term
  
B
A
A
A
B
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
60806706
33110860
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
03/27/2025
2
B
B
B
B
B
B
B
B
B
B
  
SC
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64555743
33005053
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Loan designation failure due to ATR failure.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.
      
Reviewer Comment (2025-03-17): XXXXX
 
03/17/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
CA
Primary
Purchase
Lender to provide updated ATR/QM status
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
64555743
33005054
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Employment - Schedule C
General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.
Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.
      
Reviewer Comment (2025-03-17): XXXXX
 
 
Seller Comment (2025-03-13): XXXXX
 
03/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
  
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64555743
33005055
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Incomplete
TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable).
Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured
      
Reviewer Comment (2025-03-14): XXXXX
 
 
Seller Comment (2025-03-13): XXXXX
 
03/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate)
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
64555743
33005066
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
Preliminary title policy does not state a coverage amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/12/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64555743
33005073
    
Compliance
Compliance
Miscellaneous Compliance
Compliance
TRID Error: Cash at settlement from or to borrower is blank.
-
Page 3 of CD dated XX/XX/XX is missing however considered same as it is signed.
      
Reviewer Comment (2025-03-14): XXXXX
 
 
Seller Comment (2025-03-13): XXXXX
 
03/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
  
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69956289
33006309
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
-
Additional amount of $607.67 listed on 1003
      
Reviewer Comment (2025-03-18): XXXXX
 
 
Seller Comment (2025-03-18): XXXXX
 
 
Reviewer Comment (2025-03-17): XXXXX
 
 
Seller Comment (2025-03-17): XXXXX
 
 
Reviewer Comment (2025-03-13): XXXXX
 
 
Seller Comment (2025-03-13): XXXXX
 
03/18/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
UT
Second Home
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69975183
33072653
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $120.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.
Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-03-18): XXXXX
 
  
03/18/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
WA
Primary
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
64919333
33130538
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2
  
The file is missing a copy of the secondary valuation required for securitization purposes.
      
Reviewer Comment (2025-04-02): XXXXX
 
 
Seller Comment (2025-04-01): XXXXX
 
04/02/2025
    
1
D
A
D
A
D
A
D
A
D
A
  
NV
Primary
Purchase
  
D
A
A
A
A
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65140917
33145758
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $90.00 exceeds tolerance of $60.00.  Sufficient or excess cure was provided to the borrower at Closing.
Credit Report Fee was last disclosed as $60.00 on LE but disclosed as $90.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file
      
Reviewer Comment (2025-03-31): XXXXX
 
  
03/31/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
NJ
Primary
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
60373613
32951679
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The file was missing a copy of the required fraud report including all interested parties to the transaction.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/04/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
60373613
32951727
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $205.00 exceeds tolerance of $163.00 plus 10% or $179.30.  Insufficient or no cure was provided to the borrower.
Ten Percent Fee Tolerance exceeded. Total amount of $205.00 exceeds tolerance of $163.00 plus 10% or $179.30. Insufficient or no cure was provided to the borrower.
      
Reviewer Comment (2025-03-11): XXXXX
 
 
Seller Comment (2025-03-10): XXXXX
 
 
Reviewer Comment (2025-03-10): XXXXX
 
 
Seller Comment (2025-03-07): XXXXX
 
03/11/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
60373613
32951728
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $265.00 exceeds tolerance of $250.00.  Insufficient or no cure was provided to the borrower.
Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $265.00 exceeds tolerance of $250.00. Insufficient or no cure was provided to the borrower.
      
Reviewer Comment (2025-03-10): XXXXX
 
 
Seller Comment (2025-03-07): XXXXX
 
03/10/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
60373613
33008968
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $265.00 exceeds tolerance of $250.00.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-03-11): XXXXX
 
  
03/11/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
CA
Primary
Purchase
Final CD evidences Cure
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
66249339
33080265
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
            
03/21/2025
2
B
B
B
B
B
B
B
B
B
B
  
CO
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66249339
33080267
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $925.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower at Closing.
Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $925.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-03-19): XXXXX
 
  
03/19/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CO
Primary
Purchase
Final CD evidences Cure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67127055
33133740
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/31/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67127055
33136662
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
03/31/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65972460
33028782
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
03/17/2025
2
B
B
B
B
B
B
B
B
B
B
  
NC
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
68028533
33148480
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/31/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65257893
32968055
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
-
The file is missing copy of Insurance and Tax Verification for this property located at XXXXX.
      
Reviewer Comment (2025-03-10): XXXXX
 
 
Seller Comment (2025-03-10): XXXXX
 
 
Reviewer Comment (2025-03-07): XXXXX
 
 
Seller Comment (2025-03-07): XXXXX
 
03/10/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Second Home
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65257893
32968059
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
-
The file is missing copy of Tax Verification for this property located at XXXXX.
      
Reviewer Comment (2025-03-07): XXXXX
 
 
Seller Comment (2025-03-07): XXXXX
 
03/07/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
OH
Second Home
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65784407
33101582
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $140.00 exceeds tolerance of $60.00.  Sufficient or excess cure was provided to the borrower at Closing.
Credit Report Fee was last disclosed as $60.00 on LE but disclosed as $140.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file
      
Reviewer Comment (2025-03-24): XXXXX
 
  
03/24/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
IL
Primary
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
62865954
33094319
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
            
03/25/2025
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62865954
33094320
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Closing Disclosure Timing without Waiver
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
      
Reviewer Comment (2025-04-01): XXXXX
 
 
Seller Comment (2025-03-31): XXXXX
 
04/01/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Purchase
No Defined Cure
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62865954
33094321
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $0.00 exceeds tolerance of $-7,511.00. Insufficient or no cure was provided to the borrower.
Lender Credits Fee was last disclosed as $7,511.00 on LE but disclosed as $0.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $7,511.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
      
Reviewer Comment (2025-04-02): XXXXX
 
 
Seller Comment (2025-04-01): XXXXX
 
04/02/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
62865954
33094323
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $2,354.12 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.
Loan Discount Points Fee was last disclosed as $0.00 on LE but disclosed as $2,354.12 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $2,354.12, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
      
Reviewer Comment (2025-04-02): XXXXX
 
 
Seller Comment (2025-04-01): XXXXX
 
04/02/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
62865954
33094326
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: AUS not provided
  
The file was missing a copy of the AUS Document.
      
Reviewer Comment (2025-03-28): XXXXX
 
 
Seller Comment (2025-03-27): XXXXX
 
03/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62865954
33094345
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
03/25/2025
2
B
B
B
B
B
B
B
B
B
B
  
TX
Primary
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63258391
32980311
    
Credit
Income / Employment
Income Documentation
Income / Employment
Verification(s) of employment is not within 10 business days of the Note.
-
Verification(s) of employment is not within 10 business days of the Note.
Borrower has been employed in the same industry for more than 5 years.
 
Borrower has verified disposable income of at least $2500.00.
 
Borrower has worked in the same position for more than 3 years.
 
Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.
 
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.
 
The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.
 
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
 
The qualifying DTI on the loan is less than or equal to 35%.
 
The representative FICO score exceeds the guideline minimum by at least 40 points.
 
The representative FICO score is above 680.
  
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
Reviewer Comment (2025-03-25): XXXXX
 
 
Buyer Comment (2025-03-20): XXXXX
 
 
Reviewer Comment (2025-03-14): XXXXX
 
 
Seller Comment (2025-03-14): XXXXX
 
    
03/25/2025
2
C
B
C
B
C
B
C
B
C
B
  
FL
Primary
Purchase
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63258391
32980313
    
Credit
Income / Employment
Income Documentation
Income / Employment
Verification(s) of employment is not within 10 business days of the Note.
-
Verification(s) of employment is not within 10 business days of the Note.
Borrower has been employed in the same industry for more than 5 years.
 
Borrower has verified disposable income of at least $2500.00.
 
Borrower has worked in the same position for more than 3 years.
 
Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.
 
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.
 
The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.
 
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
 
The qualifying DTI on the loan is less than or equal to 35%.
 
The representative FICO score exceeds the guideline minimum by at least 40 points.
 
The representative FICO score is above 680.
  
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
Reviewer Comment (2025-03-25): XXXXX
 
 
Buyer Comment (2025-03-20): XXXXX
 
 
Reviewer Comment (2025-03-14): XXXXX
 
 
Seller Comment (2025-03-14): XXXXX
 
    
03/25/2025
2
C
B
C
B
C
B
C
B
C
B
  
FL
Primary
Purchase
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
60354458
33064542
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
03/19/2025
2
B
B
B
B
B
B
B
B
B
B
  
AZ
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65427751
33115664
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $123.60 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-03-25): XXXXX
 
  
03/25/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Purchase
Final CD evidences Cure
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65427751
33115730
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Final Title Policy will be provided as a trailing document.
Final Title Policy will be provided as a trailing document
SitusAMC,Aggregator
Reviewer Comment (2025-04-22): XXXXX
 
    
03/27/2025
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67453562
33002847
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
03/12/2025
2
B
B
B
B
B
B
B
B
B
B
  
NC
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67453562
33002849
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $900.00 exceeds tolerance of $665.00.  Sufficient or excess cure was provided to the borrower at Closing.
Appraisal Fee was last disclosed as $665.00 on LE but disclosed as $900.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $235.00.
      
Reviewer Comment (2025-03-10): XXXXX
 
  
03/10/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Purchase
Final CD evidences Cure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
63012046
33028766
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $760.00 exceeds tolerance of $660.00.  Sufficient or excess cure was provided to the borrower at Closing.
Appraisal Fee Amount of $760.00 exceeds tolerance of $660.00.  Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-03-13): XXXXX
 
  
03/13/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
63012046
33028767
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $300.00 exceeds tolerance of $250.00.  Sufficient or excess cure was provided to the borrower at Closing.
Appraisal Review  Fee Amount of $300.00 exceeds tolerance of $250.00.  Sufficient or excess cure was provided to the borrower at Closing
      
Reviewer Comment (2025-03-13): XXXXX
 
  
03/13/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67139640
32987210
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
03/10/2025
2
B
B
B
B
B
B
B
B
B
B
  
FL
Primary
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67139640
32987211
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Loan Designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared.
      
Reviewer Comment (2025-03-19): XXXXX
 
03/19/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
FL
Primary
Purchase
Lender to provide updated ATR/QM status
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67139640
32987212
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
QM Points and Fees XXXXX
Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 3.76267% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $14,312.68 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $2,901.11 or .76267%).
Points and Fees on subject loan of 3.76267% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $14,312.68 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $11,411.57.
      
Reviewer Comment (2025-03-19): XXXXX
 
 
Seller Comment (2025-03-17): XXXXX
 
03/19/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65161999
32987472
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36
  
The file is missing a copy of the secondary valuation required for securitization purposes.
      
Reviewer Comment (2025-03-20): XXXXX
 
 
Seller Comment (2025-03-19): XXXXX
 
03/20/2025
    
1
D
A
B
A
D
A
C
A
D
A
  
WA
Primary
Purchase
  
D
B
A
A
A
A
D
B
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65161999
33091887
    
Property
Appraisal Reconciliation
Value Discrepancy
Appraisal Reconciliation
Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89
Note Date:  ___; Lien Position: ___
The file is missing a copy of the secondary valuation required for securitization purposes.
      
Reviewer Comment (2025-03-25): XXXXX
 
 
Seller Comment (2025-03-21): XXXXX
 
    
03/25/2025
2
  
B
  
B
  
B
  
B
  
B
  
WA
Primary
Purchase
  
D
B
A
A
A
A
D
B
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65044256
32987474
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
03/10/2025
2
B
B
B
B
B
B
B
B
B
B
  
AL
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
60071654
32993368
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Due to DTI issue.
      
Reviewer Comment (2025-03-24): XXXXX
 
 
Seller Comment (2025-03-19): XXXXX
 
03/24/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
NJ
Primary
Purchase
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
60071654
32993369
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines
General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 52.40044% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.)
The current Debt-to-Income (DTI) calculation exceeds the allowable 50% limit. To bring it into compliance, we require documentation that justifies excluding the expenses associated with the REO property XXXXX, specifically PITIA in the amount of $2,690.05. Please provide the necessary documents for review.
      
Reviewer Comment (2025-03-24): XXXXX
 
 
Seller Comment (2025-03-19): XXXXX
 
03/24/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NJ
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
60071654
32993408
    
Credit
Credit
AUS Discrepancy / Guidelines Discrepancy
Guideline
Guideline Requirement: Investor qualifying total debt ratio discrepancy.
  
The current Debt-to-Income (DTI) calculation exceeds the allowable 50% limit. To bring it into compliance, we require documentation that justifies excluding the expenses associated with the REO property XXXXX, specifically PITIA in the amount of $2,690.05. Please provide the necessary documents for review.
      
Reviewer Comment (2025-03-19): XXXXX
 
 
Seller Comment (2025-03-19): XXXXX
 
03/19/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NJ
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
60071654
32993433
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
Due to DTI issue, exception already raised for supporting document to exclude the P&I for reo property.
      
Reviewer Comment (2025-03-24): XXXXX
 
 
Seller Comment (2025-03-19): XXXXX
 
03/24/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NJ
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69672521
33008961
    
Credit
Credit
AUS Discrepancy / Guidelines Discrepancy
Credit
Guideline Requirement: Minimum Loan Amount discrepancy.
  
Note loan amount of $XXXXX is less than Guideline minimum loan amount of $400,000.00.
      
Reviewer Comment (2025-03-25): XXXXX
 
 
Reviewer Comment (2025-03-20): XXXXX
 
 
Seller Comment (2025-03-18): XXXXX
 
 
Reviewer Comment (2025-03-18): XXXXX
 
 
Seller Comment (2025-03-14): XXXXX
 
03/25/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
ID
Second Home
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64528097
33019717
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
Mismatch of data related to Occupancy.
- Occupancy: ___; Declarations/Will borrower occupy: ___
Subject Transaction is Purchase of Second Home. Per Final 1003 Section 5A borrower has mentioned that he would be occupying the subject as Primary.
      
Reviewer Comment (2025-03-24): XXXXX
 
 
Seller Comment (2025-03-20): XXXXX
 
03/24/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NJ
Second Home
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64528097
33093148
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $304.00 exceeds tolerance of $291.00.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-03-21): XXXXX
 
  
03/21/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
NJ
Second Home
Purchase
Final CD evidences Cure
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
63264811
33023076
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
            
03/14/2025
2
B
B
B
B
B
B
B
B
B
B
  
FL
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63264811
33023078
    
Compliance
Compliance
Federal Compliance
TRID
TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $215.50 exceeds tolerance of $193.00 plus 10% or $212.30.  Sufficient or excess cure was provided to the borrower at Closing.
Ten Percent Fee Tolerance exceeded. Total amount of $215.50 exceeds tolerance of $193.00 plus 10% or $212.30. Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-03-12): XXXXX
 
  
03/12/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Purchase
Final CD evidences Cure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
64040878
33039937
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Closing Disclosure Timing without Waiver
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
Evidence of earlier borrower receipt was not found in file.
      
Reviewer Comment (2025-03-24): XXXXX
 
 
Seller Comment (2025-03-22): XXXXX
 
03/24/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Second Home
Purchase
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64040878
33039939
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $94.00 exceeds tolerance of $72.00.  Sufficient or excess cure was provided to the borrower.
Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $94.00 exceeds tolerance of $72.00.  Sufficient or excess cure was provided to the borrower.
      
Reviewer Comment (2025-03-14): XXXXX
 
  
03/14/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
FL
Second Home
Purchase
Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35)
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
61433327
33040225
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $934.50 exceeds tolerance of $641.00 plus 10% or $705.10.  Insufficient or no cure was provided to the borrower.
10% tolerance was exceeded by $293.50 due to increase of recording fee.  No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $293.50 , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
      
Reviewer Comment (2025-03-26): XXXXX
 
 
Seller Comment (2025-03-25): XXXXX
 
03/26/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WA
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
61433327
33040268
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,150.00 exceeds tolerance of $850.00.  Insufficient or no cure was provided to the borrower.
Appraisal Fee was previously disclosed to the borrower on the Loan estimate as $850.00 but it increased on the closing disclosure as $1,150.00 No valid Change of Circumstance found in file and the cure provided at closing was not sufficient to cure all of the tolerance issues.
      
Reviewer Comment (2025-03-27): XXXXX
 
 
Seller Comment (2025-03-26): XXXXX
 
 
Reviewer Comment (2025-03-26): XXXXX
 
 
Seller Comment (2025-03-25): XXXXX
 
03/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WA
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
61433327
33040269
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.
Appraisal Review Fee on the closing disclosure as $175.00 No valid Change of Circumstance found in file and the cure provided at closing was not sufficient to cure all of the tolerance issues.
      
Reviewer Comment (2025-03-27): XXXXX
 
 
Seller Comment (2025-03-26): XXXXX
 
 
Reviewer Comment (2025-03-26): XXXXX
 
 
Seller Comment (2025-03-25): XXXXX
 
03/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WA
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
61433327
33040270
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $10.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.
Transfer Tax. Fee on the closing disclosure as $10.00 No valid Change of Circumstance found in file and the cure provided at closing was not sufficient to cure all of the tolerance issues.
      
Reviewer Comment (2025-03-26): XXXXX
 
 
Seller Comment (2025-03-25): XXXXX
 
03/26/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WA
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
61433327
33130968
    
Compliance
Compliance
Federal Compliance
TRID
TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $934.50 exceeds tolerance of $641.00 plus 10% or $705.10.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-03-27): XXXXX
 
  
03/27/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
WA
Primary
Purchase
Final CD evidences Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
61433327
33130969
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $10.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-03-27): XXXXX
 
  
03/27/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
WA
Primary
Purchase
Final CD evidences Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67265547
33062165
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower was not provided.
            
03/19/2025
2
B
B
B
B
B
B
B
B
B
B
  
NC
Second Home
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
60585846
33062756
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $254,436.82 is over disclosed by $220.00 compared to the calculated Amount Financed of $254,216.82 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX).
Finance Charge disclosed is $254,216.82  Calculated finance charge is $254,436.82 Variance of $220.00
      
Reviewer Comment (2025-03-30): XXXXX
 
 
Seller Comment (2025-03-27): XXXXX
 
 
Reviewer Comment (2025-03-24): XXXXX
 
 
Seller Comment (2025-03-21): XXXXX
 
  
03/30/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IN
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
60585846
33062757
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $314,284.74 is under disclosed by $220.00 compared to the calculated Finance Charge of $314,504.74 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX).
Finance Charge disclosed is $314,504.74  Calculated finance charge is $314,284.74 Variance of -$220.00
      
Reviewer Comment (2025-03-30): XXXXX
 
 
Seller Comment (2025-03-27): XXXXX
 
 
Reviewer Comment (2025-03-24): XXXXX
 
 
Seller Comment (2025-03-21): XXXXX
 
  
03/30/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
IN
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
62542763
33074258
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)
ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
Verification appraisal was delivered to borrower was not provided.
            
03/20/2025
2
B
B
B
B
B
B
B
B
B
B
  
MA
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
60074220
33088613
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Closing Disclosure Timing without Waiver
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
      
Reviewer Comment (2025-03-27): XXXXX
 
 
Seller Comment (2025-03-26): XXXXX
 
03/27/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Second Home
Purchase
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62883301
33102377
    
Credit
Disclosure
Missing Document
Disclosure
E-sign Consent Agreement is missing.
-
E-sign Consent Agreement is missing.
      
Seller Comment (2025-04-01): XXXXX
 
 
Reviewer Comment (2025-04-01): XXXXX
 
 
Seller Comment (2025-03-31): XXXXX
 
 
Reviewer Comment (2025-03-31): XXXXX
 
 
Seller Comment (2025-03-29): XXXXX
 
04/01/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
LA
Second Home
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62883301
33102485
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
            
03/26/2025
2
B
B
B
B
B
B
B
B
B
B
  
LA
Second Home
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62883301
33102487
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee.  Fee Amount of $390.00 exceeds tolerance of $273.00.  Insufficient or no cure was provided to the borrower.
Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $390.00 exceeds tolerance of $273.00. Insufficient or no cure was provided to the borrower.
      
Reviewer Comment (2025-04-02): XXXXX
 
 
Seller Comment (2025-03-31): XXXXX
 
04/02/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
LA
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65106698
33101050
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income Docs Missing:
-
Third Party Verification document is missing in file for business XXXXX (XXXXX) of XXXXX and XXXXX.
      
Reviewer Comment (2024-12-23): XXXXX
 
 
Buyer Comment (2024-12-20): XXXXX
 
 
Reviewer Comment (2024-12-05): XXXXX
 
 
Buyer Comment (2024-12-04): XXXXX
 
12/23/2024
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
  
C
B
C
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65106698
33101051
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment By All Parties
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts.
Per Final CD page 2 Taxes and Insurance $XXXXX+ $XXXXX=$1826.13*12=$21913.56. Per page 4 of the Final CD taxes and Insurance $21913.39. PCCD same.
      
Buyer Comment (2024-12-17): XXXXX
 
 
Reviewer Comment (2024-12-06): XXXXX
 
 
Buyer Comment (2024-12-05): XXXXX
 
    
12/17/2024
2
B
B
B
B
B
B
B
B
B
B
  
CA
Primary
Purchase
Letter of Explanation & Corrected Closing Disclosure
C
B
C
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65106698
33101053
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
XXXX-rent $2900.00-XX/XX/XX payments per bank statements. Missing other 22 months of rental payments. Borrower XXXXX paying the rent. Rent free letter for Borrower 2 and 3 missing in file.
      
Reviewer Comment (2025-01-03): XXXXX
 
 
Buyer Comment (2025-01-02): XXXXX
 
01/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
  
C
B
C
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65106698
33101054
    
Credit
Missing Document
General
Missing Document
Missing Document: Account Statements - Business not provided
  
Missing 3-months business bank statements that align wit recent P&L for XXXXX.
      
Reviewer Comment (2025-01-03): XXXXX
 
 
Buyer Comment (2025-01-02): XXXXX
 
01/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
  
C
B
C
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65106698
33101055
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.
  
The subject property is located in a FEMA disaster area that does not have a declared end date.  Provide a post-disaster inspection verifying there was no damage.  The inspection must include exterior photos and the property must be inspected.
Borrower has been employed in the same industry for more than 5 years.
 
Borrower has verified disposable income of at least $2500.00.
 
Borrower has worked in the same position for more than 3 years.
 
Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.
 
Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.
 
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.
 
The Loan to Value (LTV) on the loan is less than or equal to 70%.
 
The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.
 
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
 
The qualifying DTI on the loan is less than or equal to 35%.
 
The representative FICO score exceeds the guideline minimum by at least 40 points.
 
The representative FICO score is above 680.
  
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
Reviewer Comment (2025-01-24): XXXXX
 
 
Buyer Comment (2025-01-24): XXXXX
 
    
01/24/2025
2
  
B
  
B
  
B
  
B
  
B
  
CA
Primary
Purchase
  
C
B
C
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64579324
33101194
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2
  
XXXXX is required and was not provided. The Collateral Underwriter Risk Score is 2.6.
      
Reviewer Comment (2025-01-22): XXXXX
 
 
Buyer Comment (2025-01-18): XXXXX
 
01/22/2025
    
1
D
A
D
A
D
A
D
A
D
A
  
CA
Primary
Purchase
  
D
B
A
A
C
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64579324
33101195
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.
-
442 certificate of completion document is missing.
      
Reviewer Comment (2025-01-06): XXXXX
 
 
Buyer Comment (2025-01-02): XXXXX
 
01/06/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
  
D
B
A
A
C
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64579324
33101198
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Not Have Escrow -  Reason
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.
Page 4 of Closing Disclosure does not reflect is escrows were declines or if the lender does not offer escrows.
      
Reviewer Comment (2025-01-15): XXXXX
 
 
Buyer Comment (2025-01-14): XXXXX
 
 
Reviewer Comment (2025-01-02): XXXXX
 
 
Buyer Comment (2025-01-02): XXXXX
 
  
01/15/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Purchase
Letter of Explanation & Corrected Closing Disclosure
D
B
A
A
C
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
64579324
33101200
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.
Appraisal Re-Inspection Fee was not disclosed on Final  LE and $200.00 on Final CD. File does not contain a valid COC for this fee. Insufficient or no cure was provided to the borrower.
      
Reviewer Comment (2025-01-27): XXXXX
 
 
Buyer Comment (2025-01-27): XXXXX
 
 
Reviewer Comment (2025-01-24): XXXXX
 
 
Buyer Comment (2025-01-22): XXXXX
 
 
Reviewer Comment (2025-01-08): XXXXX
 
 
Buyer Comment (2025-01-07): XXXXX
 
  
01/27/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
D
B
A
A
C
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
66460659
33101378
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.
  
442 completion Inspection indicates no damage and was done post disaster but before end date.  If the property is in a zone where a Disaster End Date has not been declared by FEMA, in addition to the above inspection requirement, a date and time stamped area map from a state or county agency or similar, showing the subject property in relation to the disaster area is required to evidence that the property is outside of current known disaster XXXXX Page 12 of 20 XX/XX/XX boundaries.
Borrower has been employed in the same industry for more than 5 years.
 
Borrower has verified disposable income of at least $2500.00.
 
Borrower has worked in the same position for more than 3 years.
 
Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.
 
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.
 
The Loan to Value (LTV) on the loan is less than or equal to 70%.
 
The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.
 
The representative FICO score is above 680.
 
Property inspected post disaster but pre-FEMA declaration of disaster end date.
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster:XX/XX/XX
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
Reviewer Comment (2025-02-04): XXXXX
 
 
Buyer Comment (2025-02-04): XXXXX
 
    
02/04/2025
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Purchase
  
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66460659
33101379
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower within 3 days of closing was not provided.  Waiver not provided.
      
Reviewer Comment (2025-02-14): XXXXX
 
 
Buyer Comment (2025-02-13): XXXXX
 
02/14/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
CA
Primary
Purchase
  
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66460659
33101381
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $1,768.00 exceeds tolerance of $286.00.  Insufficient or no cure was provided to the borrower.
Loan Discount Points Fee was last disclosed as $286 on LE but disclosed as $1768 on PCCD Final Closing Disclosure.  File does contains a valid COC or cure. These fees were added post close.
      
Reviewer Comment (2025-02-25): XXXXX
 
 
Buyer Comment (2025-02-24): XXXXX
 
 
Reviewer Comment (2025-02-24): XXXXX
 
 
Buyer Comment (2025-02-21): XXXXX
 
 
Reviewer Comment (2025-02-19): XXXXX
 
 
Buyer Comment (2025-02-19): XXXXX
 
 
Reviewer Comment (2025-02-17): XXXXX
 
 
Buyer Comment (2025-02-13): XXXXX
 
 
Reviewer Comment (2025-02-03): XXXXX
 
 
Buyer Comment (2025-02-03): XXXXX
 
  
02/25/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
66460659
33101382
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.
Cure provided at closing, this will be cleared when all other open TRID violations have been resolved.
      
Reviewer Comment (2025-02-19): XXXXX
 
 
Buyer Comment (2025-02-19): XXXXX
 
 
Reviewer Comment (2025-02-05): XXXXX
 
 
Buyer Comment (2025-02-03): XXXXX
 
  
02/19/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
CA
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
C
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
63558767
33101400
    
Credit
Asset
Asset Documentation
Asset
Guideline Issue:Insufficient asset documentation.
-
Required 2 months consecutive bank statement for XXXXX & XXXXX.
      
Reviewer Comment (2025-02-07): XXXXX
 
 
Buyer Comment (2025-02-06): XXXXX
 
02/07/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MO
Second Home
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63541010
33110569
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Evidence of Borrower receipt of the appraisal with report date XX/XX/XX was not provided.
            
03/27/2025
2
B
B
B
B
B
B
B
B
B
B
  
DE
Second Home
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63541010
33110574
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $422.00 exceeds tolerance of $377.00 plus 10% or $414.70.  Insufficient or no cure was provided to the borrower.
10% tolerance was exceeded by $7.30 due to increase of recording fee.  No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $7.30, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
      
Reviewer Comment (2025-04-04): XXXXX
 
 
Seller Comment (2025-04-03): XXXXX
 
  
04/04/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
DE
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
63541010
33110575
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $325.00 exceeds tolerance of $291.00.  Insufficient or no cure was provided to the borrower.
Credit Report Fee was last disclosed as $291.00 on LE but disclosed as $325.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.  Provide a post-close CD disclosing the tolerance cure to include $34.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
      
Reviewer Comment (2025-04-02): XXXXX
 
 
Seller Comment (2025-04-01): XXXXX
 
04/02/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
DE
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
63541010
33112011
    
Credit
Documents
Missing Document
Documents
File does not contain documentation from lender/seller confirming the condo is warrantable.
-
File does not contain documentation from lender/seller confirming the condo is warrantable.
      
Reviewer Comment (2025-04-01): XXXXX
 
 
Seller Comment (2025-03-31): XXXXX
 
04/01/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
DE
Second Home
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
68053094
33335135
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.
  
The Subject property is located in a FEMA Disaster area . A post-Disaster inspection verifying there was no damage to the subject property required
      
Reviewer Comment (2025-03-06): XXXXX
 
 
Buyer Comment (2025-03-05): XXXXX
 
03/06/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NC
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
68053094
33335138
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $515.00 exceeds tolerance of $250.00.  Sufficient or excess cure was provided to the borrower at Closing.
Credit Report Fee was last disclosed as $515 on Loan Estimate but disclosed as $250 on Final Closing Disclosure.  File does not contain a valid change of circumstance for this fee. No cure was provided to the borrower.
      
Reviewer Comment (2025-03-03): XXXXX
 
  
03/03/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
NC
Primary
Purchase
Final CD evidences Cure
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
61850646
33335141
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,500.00 exceeds tolerance of $2,250.00 plus 10% or $2,475.00.  Insufficient or no cure was provided to the borrower.
No valid Change of Circumstance in file for the increase in fees subject to 10% tolerance and no evidence of a tolerance cure provided.
      
Reviewer Comment (2025-03-12): XXXXX
 
 
Buyer Comment (2025-03-11): XXXXX
 
 
Reviewer Comment (2025-03-10): XXXXX
 
 
Buyer Comment (2025-03-07): XXXXX
 
03/12/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67814563
33335148
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $350.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.
Survey Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $350.00 on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee. Cure of $49.25 disclosed on the Final Closing Disclosure is insufficient to cover 2 tolerance violations totaling $355.50.  Additional cure in the amount of $306.25 is required.
      
Reviewer Comment (2025-03-18): XXXXX
 
 
Buyer Comment (2025-03-17): XXXXX
 
 
Reviewer Comment (2025-03-13): XXXXX
 
 
Reviewer Comment (2025-03-12): XXXXX
 
 
Buyer Comment (2025-03-12): XXXXX
 
03/18/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
B
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67814563
33335149
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $706.75 exceeds tolerance of $701.25.  Insufficient or no cure was provided to the borrower.
Transfer Tax was disclosed as $701.25 on the Closing Disclosure issued on XX/XX/XX, but disclosed as $706.75 on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee. Cure of $49.25 disclosed on the Final Closing Disclosure is insufficient to cover 2 tolerance violations totaling $355.50.  Additional cure in the amount of $306.25 is required.
      
Reviewer Comment (2025-03-12): XXXXX
 
 
Buyer Comment (2025-03-11): XXXXX
 
03/12/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Refinance - Cash-out - Other
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
B
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67814563
33335151
    
Credit
Title
General
Title
Title Policy Coverage is less than Original Loan Amount.
  
Title Commitment reflects an ALTA Loan Policy amount of $XXXXX, which is insufficient to cover the subject loan amount of $XXXXX. Final Title Policy was not provided to verify sufficient title coverage was obtained.
      
Reviewer Comment (2025-03-13): XXXXX
 
 
Buyer Comment (2025-03-12): XXXXX
 
03/13/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
FL
Primary
Refinance - Cash-out - Other
  
C
A
B
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67814563
33335152
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $706.75 exceeds tolerance of $701.25.  Sufficient or excess cure was provided to the borrower at Closing.
Sufficient cure provided at closing
      
Reviewer Comment (2025-03-18): XXXXX
 
  
03/18/2025
  
1
  
A
  
A
  
A
  
A
  
A
  
FL
Primary
Refinance - Cash-out - Other
Final CD evidences Cure
C
A
B
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
66341968
33335155
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing.
Evidence Loan Estimate issued XX/XX/XX was received by borrower at least four business days prior to closing is missing.
      
Reviewer Comment (2025-03-11): XXXXX
 
 
Buyer Comment (2025-03-10): XXXXX
 
03/11/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Purchase
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66341968
33335157
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $261.50 exceeds tolerance of $250.00.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-03-05): XXXXX
 
  
03/05/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Purchase
Final CD evidences Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67705468
33335159
    
Compliance
Compliance
Federal Compliance
Compliance
Closing Disclosure Missing Issue Date Material
Closing Disclosure with an estimated issue date of XX/XX/XX did not disclose an issue date.  Unable to conclusively determine Final Closing Disclosure to use for fees due to missing Issue Date.  Any applicable Federal, State or Local compliance testing XXXXX be unreliable.  Closing Disclosure dated XX/XX/XX used to source fees for testing.
Issue date is missing on the Final signed Closing Disclosure.
      
Reviewer Comment (2025-03-13): XXXXX
 
 
Buyer Comment (2025-03-11): XXXXX
 
03/13/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67705468
33335160
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Closing Disclosure Issue Date Not Provided
TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available.
Issue date is missing on the Final Closing Disclosure.
      
Reviewer Comment (2025-03-14): XXXXX
 
 
Buyer Comment (2025-03-13): XXXXX
 
03/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Purchase
Good Faith Redisclosure
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67705468
33335162
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $289.00 exceeds tolerance of $250.00.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-03-06): XXXXX
 
  
03/06/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
FL
Primary
Purchase
Final CD evidences Cure
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67705468
33335163
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided
  
1008 provided reflects LP for AUS. Loan was locked with DU as AUS. Updated 1008 required with correct AUS.
      
Reviewer Comment (2025-03-07): XXXXX
 
03/07/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67149956
33335167
    
Credit
Documents
Missing Document
Documents
File does not contain documentation from lender/seller confirming the condo is warrantable.
-
        
Reviewer Comment (2025-03-13): XXXXX
 
 
Buyer Comment (2025-03-12): XXXXX
 
03/13/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WA
Second Home
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66367901
33335173
    
Compliance
Compliance
Federal Compliance
TRID
TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $240.00 exceeds tolerance of $182.00 plus 10% or $200.20.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-03-11): XXXXX
 
  
03/11/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
TX
Primary
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
69794647
33335178
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $350.00 exceeds tolerance of $225.00 plus 10% or $247.50.  Insufficient or no cure was provided to the borrower.
10% tolerance violation is caused by increase to Recording Fees. No valid COC provided. Cure of $102.50 disclosed on the Final Closing Disclosure is insufficient to cover 2 tolerance violations totaling $123.50.
      
Buyer Comment (2025-03-18): XXXXX
 
 
Reviewer Comment (2025-03-18): XXXXX
 
 
Buyer Comment (2025-03-17): XXXXX
 
03/18/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
69794647
33335179
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance.  Fee Amount of $1,542.00 exceeds tolerance of $1,521.00.  Insufficient or no cure was provided to the borrower.
Title - Lender's Title Insurance Fee was initially disclosed in Section B and increased from $1,521.00 to $1,542.00 with no valid COC provided. Cure of $102.50 disclosed on the Final Closing Disclosure is insufficient to cover 2 tolerance violations totaling $123.50.
      
Buyer Comment (2025-03-18): XXXXX
 
 
Reviewer Comment (2025-03-18): XXXXX
 
 
Buyer Comment (2025-03-17): XXXXX
 
03/18/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
69462080
33335182
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
-
The final 1003 reflects $781.07 for the additional expenses related to the XXXXX however the verification documents reflect only $756.07. Please provide documentation to verify the additional $25.00 expense.
      
Reviewer Comment (2025-03-21): XXXXX
 
 
Buyer Comment (2025-03-19): XXXXX
 
03/21/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
CA
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69711670
33335186
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $700.00 exceeds tolerance of $695.00.  Sufficient or excess cure was provided to the borrower at Closing.
Fee Amount of $700.00 exceeds tolerance of $695.00.  Sufficient or excess cure was provided to the borrower at Closing.
      
Reviewer Comment (2025-03-12): XXXXX
 
  
03/12/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67357614
33335205
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $265.00 exceeds tolerance of $198.00.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-03-31): XXXXX
 
  
03/31/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
AZ
Second Home
Purchase
Final CD evidences Cure
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67089404
33370956
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income Docs Missing:
-
Cash Flow Analysis required for S-Corp Business income for both Borrower and Co-Borrower.
      
Reviewer Comment (2025-02-28): XXXXX
 
 
Buyer Comment (2025-02-28): XXXXX
 
02/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WA
Second Home
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67089404
33370957
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
-
Recent Mortgage Statement required for REO property "XXXXX" Confirming T and I included in payment.
      
Reviewer Comment (2025-02-28): XXXXX
 
 
Buyer Comment (2025-02-28): XXXXX
 
02/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WA
Second Home
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67089404
33370958
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
Appraisal Report reflects Zoning description as Rural residential; however, rural zoned properties are ineligible as per guidelines.
      
Reviewer Comment (2025-03-03): XXXXX
 
 
Buyer Comment (2025-02-28): XXXXX
 
03/03/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
WA
Second Home
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67089404
33370959
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
Provide a 1004D showing the safety railing on the back side of the deck has been provided.
      
Reviewer Comment (2025-03-07): XXXXX
 
 
Buyer Comment (2025-03-05): XXXXX
 
03/07/2025
    
1
  
A
  
A
  
A
  
A
  
A
  
WA
Second Home
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63469763
33370960
    
Credit
Disclosure
Missing Document
Disclosure
E-sign Consent Agreement is missing.
-
E-sign Consent Agreement is missing in file.
      
Reviewer Comment (2025-03-24): XXXXX
 
 
Buyer Comment (2025-03-21): XXXXX
 
03/24/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Second Home
Purchase
  
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63469763
33370961
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2
  
The file is missing a copy of the secondary valuation required for securitization purposes as UCDP document is missing in file to verify the scores.
      
Reviewer Comment (2025-03-24): XXXXX
 
 
Buyer Comment (2025-03-24): XXXXX
 
03/24/2025
    
1
D
A
D
A
D
A
D
A
D
A
  
FL
Second Home
Purchase
  
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63469763
33370963
    
Compliance
Compliance
Federal Compliance
RESPA
RESPA Disclosure - List of Homeownership Counseling Organizations Missing
RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower.
List of Homeownership Counseling document is missing in file.
      
Reviewer Comment (2025-03-24): XXXXX
 
 
Buyer Comment (2025-03-21): XXXXX
 
03/24/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
FL
Second Home
Purchase
  
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63469763
33370964
    
Compliance
Compliance
Federal Compliance
TRID
TRID Settlement Service Provider Status
TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.
Borrower not provided with list of service providers.
      
Reviewer Comment (2025-03-24): XXXXX
 
03/24/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
FL
Second Home
Purchase
No Defined Cure
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
63469763
33370965
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $5,750.50 exceeds tolerance of $4,679.00 plus 10% or $5,146.90.  Insufficient or no cure was provided to the borrower.
Ten Percent Fee Tolerance exceeded. Total amount of $5,750.50 exceeds tolerance of $4,679.00 plus 10% or $5,146.90. No cure provided in file for $603.60.
      
Reviewer Comment (2025-03-24): XXXXX
 
 
Buyer Comment (2025-03-21): XXXXX
 
03/24/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
D
A
C
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
65546410
33370972
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: Tax Certificate not provided
  
Require tax information sheet. Lender used county annual tax amount of $XXXXX but the Lender used $XXXXX.
      
Reviewer Comment (2025-03-11): XXXXX
 
03/11/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TN
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65546410
33370973
    
Credit
Credit
Credit Documentation
Guideline
Missing Document: Asset not provided
  
Require Trust agreement for XXXXX executed by borrower XXXXX as trustee to verify the has access to funds into XXXXX . Trustees Quit Claim Deed was provided.
      
Reviewer Comment (2025-03-20): XXXXX
 
 
Buyer Comment (2025-03-20): XXXXX
 
 
Reviewer Comment (2025-03-18): XXXXX
 
 
Buyer Comment (2025-03-17): XXXXX
 
03/20/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TN
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
65546410
33370975
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income Docs Missing:
-
Require Trust agreement for Advocacy Trust for borrower XXXXX
      
Reviewer Comment (2025-03-18): XXXXX
 
 
Buyer Comment (2025-03-17): XXXXX
 
03/18/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TN
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64906795
33370990
    
Credit
Title
Document Error
Title
The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
  
Escrow instruction document is missing for title policy amount.
      
Reviewer Comment (2025-02-25): XXXXX
 
 
Buyer Comment (2025-02-24): XXXXX
 
02/25/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
CA
Primary
Refinance - Cash-out - Other
  
B
A
B
A
B
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64906795
33370991
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Title
Title Policy is Preliminary or Commitment, and not a Final Title Policy.
          
Reviewer Comment (2025-02-25): XXXXX
 
02/25/2025
    
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Refinance - Cash-out - Other
  
B
A
B
A
B
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64906795
33370992
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
Verification appraisal was delivered to borrower within 3 days of closing was not provided.  Waiver not provided.
      
Reviewer Comment (2025-03-05): XXXXX
 
 
Buyer Comment (2025-03-04): XXXXX
 
 
Reviewer Comment (2025-03-04): XXXXX
 
 
Buyer Comment (2025-03-03): XXXXX
 
 
Reviewer Comment (2025-03-03): XXXXX
 
 
Buyer Comment (2025-02-28): XXXXX
 
03/05/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
CA
Primary
Refinance - Cash-out - Other
  
B
A
B
A
B
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61150305
33370996
    
Credit
Insurance
Insurance Analysis
Insurance
Insufficient Coverage: Hazard insurance coverage amount is insufficient.
  
Hazard Insurance Coverage Amount is insufficient by $126,250.00, missing ERC.
      
Reviewer Comment (2025-03-17): XXXXX
 
 
Buyer Comment (2025-03-14): XXXXX
 
03/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61150305
33370999
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Amount Financed Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $983,754.49 is over disclosed by $175.00 compared to the calculated Amount Financed of $983,579.49 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX).
Amount Financed disclosed is $983,754.49 Calculated Amount Financed is $983,579.49 Variance of  $175.00. Mobility fee of $200.00 paid by borrower prior to closing.
      
Reviewer Comment (2025-03-13): XXXXX
 
 
Buyer Comment (2025-03-13): XXXXX
 
03/13/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
61150305
33371000
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $1,289,667.46 is under disclosed by $175.00 compared to the calculated Finance Charge of $1,289,842.46 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX).
Finance Charge disclosed is $1,289,667.46 . Calculated finance charge is $1,289,842.46 .  Variance of -$175. Mobility fee of $200.00 paid by borrower prior to closing.
      
Reviewer Comment (2025-03-13): XXXXX
 
 
Buyer Comment (2025-03-12): XXXXX
 
03/13/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
61150305
33371001
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Loan Estimate Timing Electronically Provided
TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations.
E-sign consent is dated XX/XX/XX.
      
Reviewer Comment (2025-03-12): XXXXX
 
 
Buyer Comment (2025-03-12): XXXXX
 
03/12/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
MA
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61383692
33371011
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $90.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
      
Reviewer Comment (2025-02-25): XXXXX
 
  
02/25/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
SC
Second Home
Refinance - Cash-out - Other
Final CD evidences Cure
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
61383692
33371012
    
Credit
Guideline
Guideline Issue
Guideline
Missing required Transcripts (1040).
-
Missing XXXXX 1040 transcripts for XXXXX,
      
Reviewer Comment (2025-03-11): XXXXX
 
 
Buyer Comment (2025-03-11): XXXXX
 
 
Reviewer Comment (2025-03-05): XXXXX
 
 
Buyer Comment (2025-03-04): XXXXX
 
03/11/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Second Home
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61383692
33371013
    
Credit
Credit
AUS Discrepancy / Guidelines Discrepancy
Guideline
Guideline Requirement: Investor qualifying total debt ratio discrepancy.
  
Calculated investor qualifying total debt ratio of 54.84735% exceeds Guideline total debt ratio of 50.00000%.
      
Reviewer Comment (2025-03-10): XXXXX
 
 
Buyer Comment (2025-03-06): XXXXX
 
03/10/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Second Home
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61383692
33371014
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines
General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 54.84735% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.)
DTI is excessive. Unable to ascertain higher income from primary entity lender used as both borrowers own combined 100%.
      
Reviewer Comment (2025-03-10): XXXXX
 
03/10/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Second Home
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61383692
33371015
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
        
Reviewer Comment (2025-03-10): XXXXX
 
03/10/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
SC
Second Home
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61383692
33371016
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
      
Reviewer Comment (2025-03-10): XXXXX
 
03/10/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
SC
Second Home
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
67322336
33371023
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income Docs Missing:
-
1040 - Schedule C (XXXXX) is missing in file for XXXXX business. Loan approved using XXXXX income per calculation worksheet.
      
Reviewer Comment (2025-03-12): XXXXX
 
 
Buyer Comment (2025-03-11): XXXXX
 
03/12/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
DC
Primary
Purchase
  
D
A
C
A
B
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67322336
33371025
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2
  
The file is missing a copy of the secondary valuation required for securitization purposes.
      
Reviewer Comment (2025-03-12): XXXXX
 
 
Buyer Comment (2025-03-12): XXXXX
 
03/12/2025
    
1
D
A
D
A
D
A
D
A
D
A
  
DC
Primary
Purchase
  
D
A
C
A
B
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
67322336
33371026
    
Compliance
Compliance
Federal Compliance
ECOA
ECOA Appraisal - Appraisal Provided Prior to Date Performed
ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements.
Verification appraisal was delivered to borrower was provided however prior to appraisal. Please provide earlier appraisals or a waiver.
      
Reviewer Comment (2025-03-11): XXXXX
 
 
Buyer Comment (2025-03-10): XXXXX
 
03/11/2025
    
1
B
A
B
A
B
A
B
A
B
A
  
DC
Primary
Purchase
  
D
A
C
A
B
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
60690456
33371029
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Loan Estimate Timing Electronically Provided
TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations.
E-sign consent agreement dated XX/XX/XX
      
Reviewer Comment (2025-03-12): XXXXX
 
 
Buyer Comment (2025-03-11): XXXXX
 
03/12/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
FL
Primary
Purchase
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69183461
33371034
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire.  Fee Amount of $695.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.
HOA/Condo Questionnaire. Fee disclosed as $0.00 on Initial LE and $695.00 on Final CD. File does not contain a valid COC for this fee, evidence of cure is not provided in file.
      
Reviewer Comment (2025-03-27): XXXXX
 
 
Buyer Comment (2025-03-25): XXXXX
 
  
03/27/2025
  
2
C
B
C
B
C
B
C
B
C
B
  
AZ
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
D
B
A
A
C
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
69183461
33371036
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2
  
XXXXX is required as CU score is more than 2.5
      
Reviewer Comment (2025-03-27): XXXXX
 
 
Buyer Comment (2025-03-26): XXXXX
 
03/27/2025
    
1
D
A
D
A
D
A
D
A
D
A
  
AZ
Second Home
Purchase
  
D
B
A
A
C
B
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64660812
33371039
    
Credit
Income / Employment
Income Documentation
Income / Employment
The verification of employment is not within 10 business days of the Note.
-
Duplicate exception
      
Reviewer Comment (2025-03-14): XXXXX
 
 
Buyer Comment (2025-03-13): XXXXX
 
03/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NC
Second Home
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64660812
33371040
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income Docs Missing:
-
Verbal Verification of employment for Borrower (XXXXX) within 10 business days prior to the note date is missing in file.
      
Reviewer Comment (2025-03-14): XXXXX
 
 
Buyer Comment (2025-03-13): XXXXX
 
03/14/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NC
Second Home
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
64660812
33371041
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Loan designation failure due to ATR failure.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.
      
Reviewer Comment (2025-03-17): XXXXX
 
 
Buyer Comment (2025-03-14): XXXXX
 
03/17/2025
    
1
B
A
C
A
B
A
C
A
B
A
  
NC
Second Home
Purchase
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
64660812
33371042
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor Guidelines Violation
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
QM failure due to insufficient income documentation.  This exception will be cleared once all QM specific exceptions have been cured/cleared.
      
Reviewer Comment (2025-03-17): XXXXX
 
 
Buyer Comment (2025-03-14): XXXXX
 
03/17/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
NC
Second Home
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62695991
33371045
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $181.00 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower.
Cure provided.
      
Reviewer Comment (2025-03-07): XXXXX
 
  
03/07/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
CA
Primary
Purchase
Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35)
A
A
A
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
62870519
33371046
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2
  
The file is missing a copy of the secondary valuation. The CU score is 4.1.
      
Reviewer Comment (2025-02-24): XXXXX
 
 
Buyer Comment (2025-02-24): XXXXX
 
02/24/2025
    
1
D
A
D
A
D
A
D
A
D
A
  
ID
Primary
Purchase
  
D
A
C
A
A
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62870519
33371048
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
Primary Residence XXXXX  - Borrower rents $2800.00-Missing verification in file.
      
Reviewer Comment (2025-02-06): XXXXX
 
 
Buyer Comment (2025-02-05): XXXXX
 
02/06/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
ID
Primary
Purchase
  
D
A
C
A
A
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69341294
33371055
    
Credit
Documents
Missing Document
Documents
File does not contain documentation from lender/seller confirming the condo is warrantable.
-
File does not contain documentation from lender/seller confirming the condo is warrantable
      
Reviewer Comment (2025-03-21): XXXXX
 
 
Buyer Comment (2025-03-21): XXXXX
 
 
Reviewer Comment (2025-03-20): XXXXX
 
 
Buyer Comment (2025-03-20): XXXXX
 
03/21/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
HI
Second Home
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69341294
33371058
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $867.00 exceeds tolerance of $850.00.  Sufficient or excess cure was provided to the borrower at Closing.
        
Reviewer Comment (2025-03-12): XXXXX
 
  
03/12/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
HI
Second Home
Purchase
Final CD evidences Cure
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
62729941
33371060
    
Credit
Loan Package Documentation
Application / Processing
Missing Document
Missing Document: AUS not provided
  
AUS is missing.
      
Reviewer Comment (2025-03-19): XXXXX
 
 
Buyer Comment (2025-03-18): XXXXX
 
03/19/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AZ
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
62729941
33371062
    
Credit
Credit
Credit Documentation
Guideline
Missing Document: Asset not provided
  
CPA Letter is missing for XXXXX business funds used to qualify.
      
Reviewer Comment (2025-03-19): XXXXX
 
 
Buyer Comment (2025-03-18): XXXXX
 
03/19/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
AZ
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
61777787
33371067
    
Credit
Guideline
Guideline Issue
Guideline
Missing required Transcripts (1040).
-
Borrower: XXXXX - Income is qualified by Schedule C Sole Proprietor 1-year average income hence require one year Tax Transcript (1040) - XXXXX or no results found
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.
 
Borrower has been employed in the same industry for more than 5 years.
 
Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.
 
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
 
The qualifying DTI on the loan is less than or equal to 35%.
 
The representative FICO score exceeds the guideline minimum by at least 40 points.
 
The representative FICO score is above 680.
11 vs 6
SitusAMC,Aggregator
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
Reviewer Comment (2025-04-01): XXXXX
 
 
Buyer Comment (2025-04-01): XXXXX
 
    
04/01/2025
2
C
B
C
B
C
B
C
B
C
B
  
TX
Primary
Purchase
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
69433929
33371075
    
Credit
Credit
Credit Documentation
Guideline
The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.
  
Need verification that XXXXX payment to XXXXX was paid within month due.
      
Reviewer Comment (2025-03-21): XXXXX
 
 
Buyer Comment (2025-03-21): XXXXX
 
03/21/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TX
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
66642283
33371077
    
Compliance
Compliance
Federal Compliance
TRID
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,725.00 exceeds tolerance of $1,050.00.  Sufficient or excess cure was provided to the borrower at Closing.
Zero Percent Tolerance Violation for Appraisal fee With Sufficient Cure Provided At Closing
      
Reviewer Comment (2025-02-05): XXXXX
 
  
02/05/2025
  
1
A
A
A
A
A
A
A
A
A
A
  
KS
Primary
Refinance - Rate/Term
Final CD evidences Cure
A
B
A
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
[redacted]
[redacted]
[redacted]
[redacted]
66642283
33371081
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
  
Client request: Property is rural/residential which is an ineligible property.
The representative FICO score is above 680.
 
Borrower has been employed in the same industry for more than 5 years.
 
Borrower has verified disposable income of at least $2500.00.
 
Borrower has worked in the same position for more than 3 years.
 
Borrower's monthly mortgage payment has decreased by at least 20%.
 
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.
 
The Loan to Value (LTV) on the loan is less than or equal to 70%.
 
The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.
 
The qualifying DTI on the loan is at least 10% less than the guideline maximum.
 
The qualifying DTI on the loan is less than or equal to 35%.
 
The refinance has decreased the borrower's monthly debt payments by 20% or more.
 
The representative FICO score exceeds the guideline minimum by at least 40 points.
783 vs 680
SitusAMC,Aggregator
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
 
SitusAMC
Reviewer Comment (2025-02-28): XXXXX
 
 
Buyer Comment (2025-02-28): XXXXX
 
    
02/28/2025
2
  
B
  
B
  
B
  
B
  
B
  
KS
Primary
Refinance - Rate/Term
  
A
B
A
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
60357533
33371091
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income Docs Missing:
-
1084 or Income Worksheet missing for borrowers wage employment XXXXX.
      
Reviewer Comment (2025-03-28): XXXXX
 
 
Buyer Comment (2025-03-28): XXXXX
 
03/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TN
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
[redacted]
[redacted]
[redacted]
[redacted]
60357533
33371092
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income Docs Missing:
-
1084 or Income Worksheet missing for Co-borrowers wage employment XXXXX.
      
Reviewer Comment (2025-03-28): XXXXX
 
 
Buyer Comment (2025-03-28): XXXXX
 
03/28/2025
    
1
C
A
C
A
C
A
C
A
C
A
  
TN
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No