Seller

ALT Loan ID

Seller Loan ID

Investor Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

XXXX

20250505001

XXXX

XXXX

Closed

2025-01-20 14:37

2025-03-10 19:54

Acknowledged

2 - Non-Material

Credit

Missing Doc

Flood Insurance Policy Missing

Acknowledged-Lender provided a flood insurance policy with an effective date of XX/XX/XXXX. The subject loan closed on XX/XX/XXXX5.  Lender provided attestation of no flood claims from the Note date to the policies effective date therefore finding will be downgraded.  This finding is deemed non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/10/2025 Ready for Review-Document Uploaded. Please see attestation that we have had not claims filed prior to the effective date of the flood insurance. Thank you!  - Seller-03/06/2025 Open-Attestation will be acceptable to downgrade the condition.  Condition reopened for receipt of Attestation. - Due Diligence Vendor-03/03/2025 Ready for Review-Flood insurance was effective at the closing. due to us being unaware of the map change. Will you accept an attestation that there have been no flood claims from closing through the policies effective date? - Seller-02/26/2025 Counter-Lender provided a flood insurance policy with an effective date of XX/XX/XXXX.  The subject loan closed on XX/XX/XXXX.  Provide evidence of flood insurance effective at the time of closing.  Condition remains.   - Due Diligence Vendor-02/20/2025 Ready for Review-Document Uploaded.  - Seller-02/20/2025 Counter-The lender provided a flood certificate dated XX/XX/XXXX which was provided in the loan file and indicated the property was in flood zone X and the home was not in a special flood hazard area.  The loan file also provided a flood certificate dated XX/XX/XXXX which indicates the property is in flood zone XX and the home is in a special flood hazard area with flood insurance required.  The later dated flood certificate requires flood insurance.  Condition remains.   - Due Diligence Vendor-01/31/2025 Ready for Review-Document Uploaded.  - Seller-01/30/2025 Open-Missing Flood Insurance Policy - Due Diligence Vendor-01/20/2025

Ready for Review-Document Uploaded. Please see attestation that we have had not claims filed prior to the effective date of the flood insurance. Thank you!  - Seller-03/06/2025  Ready for Review-Flood insurance was effective at the closing. due to us being unaware of the map change. Will you accept an attestation that there have been no flood claims from closing through the policies effective date? - Seller-02/26/2025  Ready for Review-Document Uploaded.  - Seller-02/20/2025  Ready for Review-Document Uploaded.  - Seller-01/30/2025

Acknowledged-Lender provided a flood insurance policy with an effective date of XX/XX/XXXX. The subject loan closed on XX/XX/XXXX.  Lender provided attestation of no flood claims from the Note date to the policies effective date therefore finding will be downgraded.  This finding is deemed non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/10/2025

XXX

XX

Second Home

Refinance

No Cash Out - Borrower Initiated

3237615

Investor Post-Close

No

XXXX

20250505001

XXXX

XXXX

Closed

2025-01-20 10:45

2025-02-03 20:31

Resolved

1 - Information

Credit

Closing

Third Party Fraud Report Doc Age exceeds guidelines

Resolved-Lender provided a current Fraud Report.  Condition cleared.  - Due Diligence Vendor-02/03/2025 Resolved-Third Party Fraud Report in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of -25 days is within guidelines. - Due Diligence Vendor-02/03/2025 Ready for Review-Document Uploaded.  - Seller-01/31/2025 Open-Third Party Fraud Report in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of 154 days exceeds guidelines. - Due Diligence Vendor-01/20/2025

Ready for Review-Document Uploaded.  - Seller-01/31/2025

Resolved-Lender provided a current Fraud Report.  Condition cleared.  - Due Diligence Vendor-02/03/2025  Resolved-Third Party Fraud Report in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of -25 days is within guidelines. - Due Diligence Vendor-02/03/2025

XXX

XX

Second Home

Refinance

No Cash Out - Borrower Initiated

3236707

N/A

N/A

XXXX

20250505001

XXXX

XXXX

Closed

2025-01-20 20:09

2025-01-31 14:54

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-Lender provided 401K statement and documentation for liquidation for asset depletion which is sufficient to support the other income used to qualify.  Condition cleared.   - Due Diligence Vendor-01/31/2025 Ready for Review-Document Uploaded. Borrower was qualified using Asset Depletion.  Per AUS Jumbo Product Profile, When using employment related assets to qualify, the net documented assets must be discounted by 30%. XXXX B3-3.1-09:  X,XXX,XXX x 70% = $X,XXX,XXX / 360 months = $XXXX.XX  - Seller-01/30/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-01/20/2025

Ready for Review-Document Uploaded. Borrower was qualified using Asset Depletion.  Per AUS Jumbo Product Profile, When using employment related assets to qualify, the net documented assets must be discounted by 30%. XXXX B3-3.1-09:  X,XXX,XXX.XX x 70% = $X,XXX,XXX.XX / 360 months = $X,XXX.XX  - Seller-01/30/2025

Resolved-Lender provided 401K statement and documentation for liquidation for asset depletion which is sufficient to support the other income used to qualify.  Condition cleared.   - Due Diligence Vendor-01/31/2025

XXX

XX

Second Home

Refinance

No Cash Out - Borrower Initiated

3240632

N/A

N/A

XXXX

20250505001

XXXX

XXXX

Closed

2025-01-20 15:28

2025-01-31 14:53

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lender provided 401K statement and documentation for liquidation for asset depletion which is sufficient to support the other income used to qualify.  Condition cleared.   - Due Diligence Vendor-01/31/2025 Ready for Review-Document Uploaded. Borrower was qualified using Asset Depletion.  Per AUS Jumbo Product Profile, When using employment related assets to qualify, the net documented assets must be discounted by 30%. XXXX B3-3.1-09:  X,XXX,XXX x 70% = $X,XXX,XXX / 360 months = $XXXX.XX - Seller-01/30/2025 Open-Documents missing for other income ($XXXX) used to qualify as per Final Application section 1E. - Due Diligence Vendor-01/20/2025

Ready for Review-Document Uploaded. Borrower was qualified using Asset Depletion.  Per AUS Jumbo Product Profile, When using employment related assets to qualify, the net documented assets must be discounted by 30%. XXXX B3-3.1-09:  X,XXX,XXX.XX x 70% = $X,XXX,XXX.XX / 360 months = $X,XXX.XX - Seller-01/30/2025

Resolved-Lender provided 401K statement and documentation for liquidation for asset depletion which is sufficient to support the other income used to qualify.  Condition cleared.   - Due Diligence Vendor-01/31/2025

XXX

XX

Second Home

Refinance

No Cash Out - Borrower Initiated

3238101

N/A

N/A

XXXX

20250505001

XXXX

XXXX

Closed

2025-01-23 15:27

2025-01-23 15:30

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/23/2025 Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P.  All other agencies will be rated as A.   - Due Diligence Vendor-01/23/2025

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/23/2025  Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P.  All other agencies will be rated as A.   - Due Diligence Vendor-01/23/2025

XXX

XX

Second Home

Refinance

No Cash Out - Borrower Initiated

3266152

Investor Post-Close

No

XXXX

20250505001

XXXX

XXXX

Closed

2025-01-20 14:41

2025-01-23 15:30

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. Received secondary valuation supported valuation.  Condition cleared.   - Due Diligence Vendor-01/23/2025 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/23/2025 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/20/2025

Resolved-Document Uploaded. Received secondary valuation supported valuation.  Condition cleared.   - Due Diligence Vendor-01/23/2025  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/23/2025

XXX

XX

Second Home

Refinance

No Cash Out - Borrower Initiated

3237655

N/A

N/A

XXXX

20250505002

XXXX

XXXX

Closed

2025-03-05 13:37

2025-03-25 15:59

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-Lender provided one year of tax transcripts.  Condition cleared.  - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded.  - Seller-03/25/2025 Counter-This ATR Violation is related to the condition for missing IRS Transcripts:  Provide Borrower 1 IRS Transcript as per GL "When tax returns are used for qualification purposes, tax transcripts for the most recent one year’s personal returns are required" - Due Diligence Vendor-03/13/2025 Ready for Review-Just to clarify...are you missing all income and asset documentation?  Or, is there something else you're looking for?  Thanks! - Seller-03/12/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements due to missing tax transcripts - Due Diligence Vendor-03/05/2025

Ready for Review-Document Uploaded.  - Seller-03/25/2025  Ready for Review-Just to clarify...are you missing all income and asset documentation?  Or, is there something else you're looking for?  Thanks! - Seller-03/12/2025

Resolved-Lender provided one year of tax transcripts.  Condition cleared.  - Due Diligence Vendor-03/25/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3530500

N/A

N/A

XXXX

20250505002

XXXX

XXXX

Closed

2025-03-05 17:18

2025-03-25 15:59

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Resolved-Lender provided one year of tax transcripts.  Condition cleared.  - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded.  - Seller-03/24/2025 Open-Provide Borrower 1 IRS Transcript as per GL "When tax returns are used for qualification purposes, tax transcripts for the most recent one year’s personal returns are required" - Due Diligence Vendor-03/05/2025

Ready for Review-Document Uploaded.  - Seller-03/24/2025

Resolved-Lender provided one year of tax transcripts.  Condition cleared.  - Due Diligence Vendor-03/25/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3533793

N/A

N/A

XXXX

20250505002

XXXX

XXXX

Closed

2025-03-05 17:59

2025-03-14 16:01

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Dry Funding State - Missing Confirmation of Final Figures

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025 Open- - Due Diligence Vendor-03/05/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025

XXX

Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures.

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3534564

Investor Post-Close

No

XXXX

20250505002

XXXX

XXXX

Closed

2025-03-05 12:51

2025-03-13 14:36

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/13/2025 Ready for Review-Document Uploaded.  - Seller-03/12/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/05/2025

Ready for Review-Document Uploaded.  - Seller-03/12/2025

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/13/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3530170

N/A

N/A

XXXX

20250505002

XXXX

XXXX

Closed

2025-03-05 12:51

2025-03-13 14:36

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/13/2025 Resolved-Lender provided evidence of exclusionary checks.  Condition cleared.   - Due Diligence Vendor-03/10/2025 Ready for Review-Document Uploaded.  - Seller-03/10/2025 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-03/05/2025

Ready for Review-Document Uploaded.  - Seller-03/10/2025

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/13/2025  Resolved-Lender provided evidence of exclusionary checks.  Condition cleared.   - Due Diligence Vendor-03/10/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3530169

N/A

N/A

XXXX

20250505002

XXXX

XXXX

Closed

2025-03-05 13:51

2025-03-10 20:07

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Lender provided evidence appraisal was mailed to the borrower.  Condition cleared.  - Due Diligence Vendor-03/10/2025 Ready for Review-Document Uploaded.  - Seller-03/10/2025 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-03/05/2025

Ready for Review-Document Uploaded.  - Seller-03/10/2025

Resolved-Lender provided evidence appraisal was mailed to the borrower.  Condition cleared.  - Due Diligence Vendor-03/10/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3530636

N/A

N/A

XXXX

20250505003

XXXX

XXXX

Closed

2024-11-25 20:14

2025-03-25 11:01

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/05/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing evidence of XXX fees for REO 1. - Due Diligence Vendor-11/25/2024

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/05/2024

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2880482

N/A

N/A

XXXX

20250505003

XXXX

XXXX

Closed

2024-12-09 15:55

2024-12-26 20:45

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-This finding is graded B for S&P only and A for all other agencies. - Due Diligence Vendor-12/26/2024 Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-12/09/2024

Acknowledged-This finding is graded B for S&P only and A for all other agencies. - Due Diligence Vendor-12/26/2024  Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-12/09/2024

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2960769

Investor Post-Close

No

XXXX

20250505003

XXXX

XXXX

Closed

2024-11-25 19:24

2024-12-09 15:55

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-12/09/2024 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/25/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-12/09/2024

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2879760

N/A

N/A

XXXX

20250505003

XXXX

XXXX

Closed

2024-11-20 18:57

2024-12-05 15:39

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of HOA Dues for REO1

Resolved-No evidence of XXX dues per Zillow.com. Finding resolved.  - Due Diligence Vendor-12/05/2024 Ready for Review-Regarding XXX XXXXX XX XXX dues:  Our internal process is to look at the address and other documentation in the file. If nothing indicates a condo or PUD (ex. Unit number) we typically will not request verification of XXX. I googled the property and it's a single family detached home in an older, established neighborhood about 2 blocks from the XXXXXXX XXXXX...XXX dues are unlikely.  - Seller-12/04/2024 Open-Missing Evidence of XXX Dues for REO1 - Due Diligence Vendor-11/20/2024

Ready for Review-Regarding XXX XXXXX XX XXX dues:  Our internal process is to look at the address and other documentation in the file. If nothing indicates a condo or PUD (ex. Unit number) we typically will not request verification of XXX. I googled the property and it's a single family detached home in an older, established neighborhood about 2 blocks from the XXXXXXX XXXXX...XXX dues are unlikely.  - Seller-12/04/2024

Resolved-No evidence of XXX dues per Zillow.com. Finding resolved.  - Due Diligence Vendor-12/05/2024

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2850795

N/A

N/A

XXXX

20250505005

XXXX

XXXX

Closed

2025-01-06 15:04

2025-01-14 15:39

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Lender provided an email to indicate the prior PCCD was incorrect and was not provided to the Borrower.  Lender provided a corrected PCCD to reflect cash-out of $X,XXX.XX therefore the AUS in the loan file is correct.  Condition cleared.   - Due Diligence Vendor-01/14/2025 Open-Lender provided a PCCD.  Loan was approved as a Limited Cash-Out refinance and it now a Cash-Out refinance with the borrowers receiving back cash of $XX,XXX.XX at closing.  The lender guidelines require reserves for a cash-out refinance of the greater of 6 months PITIA or per the AUS.  Please provide the updated the AUS to reflect a loan purpose of cash-out refinance with cash-out of $XX,XXX.XX.    Additional conditions may apply.   - Due Diligence Vendor-01/06/2025 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to <<AUS_Type>> if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with <<Invalid_AUS_Reason>>.  - Due Diligence Vendor-01/06/2025

Resolved-Lender provided an email to indicate the prior PCCD was incorrect and was not provided to the Borrower.  Lender provided a corrected PCCD to reflect cash-out of $X,XXX.XX therefore the AUS in the loan file is correct.  Condition cleared.   - Due Diligence Vendor-01/14/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3142950

N/A

N/A

XXXX

20250505005

XXXX

XXXX

Closed

2025-01-06 13:40

2025-01-14 15:38

Resolved

1 - Information

Credit

Assets

Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount

Resolved-Lender provided an email to indicate the prior PCCD was incorrect and was not provided to the Borrower.  Lender provided a corrected PCCD to reflect cash-out of $X,XXX.XXwhich changes the reserves to be based on AUS only and sufficient assets were documented based on AUS requirements.  Condition cleared.   - Due Diligence Vendor-01/14/2025 Resolved-Total Qualified Assets for Reserves Post-Close of $XX,XXX.XX is equal to or greater than Total Required Reserve Amount of $X - Due Diligence Vendor-01/14/2025 Ready for Review-Document Uploaded.  - Seller-01/13/2025 Counter-Lender provided a Property Detail Report to indicate the REO property was sold.  The required reserves are due to the subject being a cash out refinance per the PCCD that was provided.  The lender guidelines require reserves for a cash-out refinance of the greater of 6 months PITIA or per the AUS. Please provide the updated the AUS to reflect a loan purpose of cash-out refinance with cash-out of $XX,XXX.XX. This finding will be updated after receipt of updated AUS to reflect the loan purpose as a Cash-Out refinance and if reserves greater than 6 months of PITIA are being required by the updated DU.  Condition remains.   - Due Diligence Vendor-01/08/2025 Ready for Review-Document Uploaded. REO XXXX X XXXXXXXXX sold on XX/XX/XXXX, our Note date XX/XX/XXXX, reserves not required. - Seller-01/07/2025 Open-Lender provided a PCCD.  Loan was approved as a Limited Cash-Out refinance and it now a Cash-Out refinance with the borrowers receiving back cash of $XX,XXX.XX2 at closing.  The lender guidelines require reserves for a cash-out refinance of the greater of 6 months PITIA or per the AUS.  Please provide the updated the AUS to reflect a loan purpose of cash-out refinance with cash-out of $XX,XXX.XX2.   This finding will be updated after receipt of updated AUS to reflect the loan purpose as a Cash-Out refinance and if reserves greater than 6 months of PITIA are being required by the updated DU.   - Due Diligence Vendor-01/06/2025 Open-Total Qualified Assets for Reserves Post-Close of $XX,XXX.XX is less than Total Required Reserve Amount of $XX,XXX.XX   - Due Diligence Vendor-01/06/2025

Ready for Review-Document Uploaded.  - Seller-01/13/2025  Ready for Review-Document Uploaded. REO XXXX X XXXXXXXXX sold on XX/XX/XXXX, our Note date XX/XX/XXXX, reserves not required. - Seller-01/07/2025

Resolved-Lender provided an email to indicate the prior PCCD was incorrect and was not provided to the Borrower.  Lender provided a corrected PCCD to reflect cash-out of $X,XXX.XX which changes the reserves to be based on AUS only and sufficient assets were documented based on AUS requirements.  Condition cleared.   - Due Diligence Vendor-01/14/2025  Resolved-Total Qualified Assets for Reserves Post-Close of $XX,XXX.XX is equal to or greater than Total Required Reserve Amount of $X - Due Diligence Vendor-01/14/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3142160

N/A

N/A

XXXX

20250505005

XXXX

XXXX

Closed

2025-01-06 13:40

2025-01-14 15:38

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-Lender provided an email to indicate the prior PCCD was incorrect and was not provided to the Borrower.  Lender provided a corrected PCCD to reflect cash-out of $X,XXX.XX which changes the reserves to be based on AUS only and sufficient assets were documented based on AUS requirements.  Condition cleared.   - Due Diligence Vendor-01/14/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/14/2025 Open-Lender provided a PCCD.  Loan was approved as a Limited Cash-Out refinance and it now a Cash-Out refinance with the borrowers receiving back cash of $XX,XXX.XX at closing.  The lender guidelines require reserves for a cash-out refinance of the greater of 6 months PITIA or per the AUS.  Please provide the updated the AUS to reflect a loan purpose of cash-out refinance with cash-out of $XX,XXX.XX.   This finding will be updated after receipt of updated AUS to reflect the loan purpose as a Cash-Out refinance and if reserves greater than 6 months of PITIA are being required by the updated DU.   - Due Diligence Vendor-01/06/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements   - Due Diligence Vendor-01/06/2025

Resolved-Lender provided an email to indicate the prior PCCD was incorrect and was not provided to the Borrower.  Lender provided a corrected PCCD to reflect cash-out of $X,XXX.XX which changes the reserves to be based on AUS only and sufficient assets were documented based on AUS requirements.  Condition cleared.   - Due Diligence Vendor-01/14/2025  Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/14/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3142163

N/A

N/A

XXXX

20250505005

XXXX

XXXX

Closed

2024-12-10 19:26

2025-01-06 13:44

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Lender provided a PCCD.  Loan was approved as a Limited Cash-Out refinance and it now a Cash-Out refinance with the borrowers receiving back of $XX,XXX.XX at closing.  Condition cleared.   - Due Diligence Vendor-01/06/2025 Ready for Review-Document Uploaded.  - Seller-01/03/2025 Open-Subject Property is located in a Dry funding state, however missing post-close disclosure or Final ALTA Settlement Statement to confirm figures on the most recent closing disclosure (Final Closing Disclosure) have not changed. - Due Diligence Vendor-12/10/2024

Ready for Review-Document Uploaded.  - Seller-01/03/2025

Resolved-Lender provided a PCCD.  Loan was approved as a Limited Cash-Out refinance and it now a Cash-Out refinance with the borrowers receiving back of $XX,XXX.XX at closing.  Condition cleared.   - Due Diligence Vendor-01/06/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2974759

N/A

N/A

XXXX

20250505005

XXXX

XXXX

Closed

2024-12-10 16:12

2024-12-18 17:18

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-Received Loan Estimate dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-12/18/2024 Resolved-Resolved - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded.  - Seller-12/17/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated (XX/XX/XXXX) and the application date is (XX/XX/XXXX) - Due Diligence Vendor-12/10/2024

Ready for Review-Document Uploaded.  - Seller-12/17/2024

Resolved-Received Loan Estimate dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-12/18/2024  Resolved-Resolved - Due Diligence Vendor-12/18/2024

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2971674

N/A

N/A

XXXX

20250505005

XXXX

XXXX

Closed

2024-12-10 16:12

2024-12-18 17:18

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Received verification the disclosure was provided XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-12/18/2024 Resolved-Resolved - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded.  - Seller-12/17/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) No Comment Required - Due Diligence Vendor-12/10/2024

Ready for Review-Document Uploaded.  - Seller-12/17/2024

Resolved-Received verification the disclosure was provided XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-12/18/2024  Resolved-Resolved - Due Diligence Vendor-12/18/2024

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2971673

N/A

N/A

XXXX

20250505006

XXXX

XXXX

Closed

2024-11-21 21:50

2025-02-25 19:24

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Post Close CD dated XX/XX/XXXX provided. XXXXXX re-run with no additional conditions noted.  Condition cleared.  - Due Diligence Vendor-02/25/2025 Cured-12/23-Post Close CD dated XX/XX/XXXX provided. XXXXXX re-run with no additional conditions noted. - Due Diligence Vendor-12/23/2024 Ready for Review-Document Uploaded.  - Seller-12/21/2024 Counter-Lender provided the Final Closing Statement however it was not consistent with the final CD due to changes in title fees and recording fees.  Please provide the Post-Closing CD.  Condition remains.   - Due Diligence Vendor-12/04/2024 Ready for Review-Document Uploaded.  - Seller-12/03/2024 Open-Post-Close CD is missing. Fees disclosed on the Final ALTA Settlement Statement do not match the fees on the Consummation CD. Compliance testing is not complete. Additional conditions may apply. - Due Diligence Vendor-11/21/2024

Ready for Review-Document Uploaded.  - Seller-12/21/2024  Ready for Review-Document Uploaded.  - Seller-12/03/2024

Resolved-Post Close CD dated XX/XX/XXXX provided. XXXXXX re-run with no additional conditions noted.  Condition cleared.  - Due Diligence Vendor-02/25/2025  Cured-12/23-Post Close CD dated 12/12/24 provided. XXXXXX re-run with no additional conditions noted. - Due Diligence Vendor-12/23/2024

XXX

XX

Primary Residence

Purchase

NA

2860770

N/A

N/A

XXXX

20250505007

XXXX

XXXX

Closed

2024-12-11 22:16

2024-12-20 15:04

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001261)

Resolved-Lender provided the missing COC.  Condition cleared.  - Due Diligence Vendor-12/20/2024 Resolved-Resolved - Due Diligence Vendor-12/20/2024 Ready for Review-Document Uploaded.  - Seller-12/19/2024 Counter-Lender provided a COC dated XX/XX/XXXX for the Lender Credit to decrease from $X,XXX.XX to $X,XXX.XX. The CD dated XX/XX/XXXX increased the Lender Credit to $X,XXX.XX however the CD dated XX/XX/XXXX reduced the Lender Credit to $X,XXX.XX. Please provide the COC for the decrease in the Lender Credit associated with the XX/XX/XXXX CD. Condition remains. - Due Diligence Vendor-12/19/2024 Counter- - Due Diligence Vendor-12/19/2024 Counter-Lender provided a COC dated XX/XX/XXXX for the Lender Credit to decrease from $X,XXX.XX to $X,XXX.XX.  The CD dated XX/XX/XXXX increased the Lender Credit to $X,XXX.XX however the CD dated XX/XX/XXXX reduced the Lender Credit to $X,XXX.XX.  Please provide the COC for the decrease in the Lender Credit associated with the XX/XX/XXXX CD.  Condition remains.   - Due Diligence Vendor-12/19/2024 Ready for Review-Document Uploaded.  - Seller-12/18/2024 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($X,XXX.XX). The actual total fee amount shows a credit amount of ($X,XXX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-12/11/2024

Ready for Review-Document Uploaded.  - Seller-12/19/2024  Ready for Review-Document Uploaded.  - Seller-12/18/2024

Resolved-Lender provided the missing COC.  Condition cleared.  - Due Diligence Vendor-12/20/2024  Resolved-Resolved - Due Diligence Vendor-12/20/2024

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2987560

N/A

N/A

XXXX

20250505007

XXXX

XXXX

Closed

2024-12-11 22:16

2024-12-20 15:03

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Lender provided the missing COC.  Condition cleared.  - Due Diligence Vendor-12/20/2024 Resolved-Resolved - Due Diligence Vendor-12/20/2024 Ready for Review-Document Uploaded.  - Seller-12/19/2024 Counter-Lender provided a COC dated XX/XX/XXXX for the Lender Credit to decrease from $X,XXX.XX to $X,XXX.XX. The CD dated XX/XX/XXXX increased the Lender Credit to $X,XXX.XX however the CD dated XX/XX/XXXX reduced the Lender Credit to $X,XXX.XX. Please provide the COC for the decrease in the Lender Credit associated with the XX/XX/XXXX CD. Condition remains. - Due Diligence Vendor-12/19/2024 Counter- - Due Diligence Vendor-12/19/2024 Counter-Lender provided a COC dated XX/XX/XXXX for the Lender Credit to decrease from $X,XXX.XX to $X,XXX.XX.  The CD dated XX/XX/XXXX increased the Lender Credit to $X,XXX.XX5 however the CD dated XX/XX/XXXX reduced the Lender Credit to $X,XXX.XX.  Please provide the COC for the decrease in the Lender Credit associated with the XX/XX/XXXX CD.  Condition remains.   - Due Diligence Vendor-12/19/2024 Ready for Review-Document Uploaded. Evidence of business hours for LE delivery timing - Seller-12/18/2024 Ready for Review-Document Uploaded.  - Seller-12/18/2024 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-12/11/2024

Ready for Review-Document Uploaded.  - Seller-12/19/2024  Ready for Review-Document Uploaded. Evidence of business hours for LE delivery timing - Seller-12/18/2024  Ready for Review-Document Uploaded.  - Seller-12/18/2024

Resolved-Lender provided the missing COC.  Condition cleared.  - Due Diligence Vendor-12/20/2024  Resolved-Resolved - Due Diligence Vendor-12/20/2024

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2987559

N/A

N/A

XXXX

20250505007

XXXX

XXXX

Closed

2024-12-09 18:05

2024-12-19 13:59

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender is closed on Saturdays.  Condition cleared.   - Due Diligence Vendor-12/19/2024 Resolved- - Due Diligence Vendor-12/19/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Provide evidence the lender was not open for business on Saturday for purposes of disclosure timing. Additional conditions may apply. - Due Diligence Vendor-12/09/2024

Resolved-Lender is closed on Saturdays.  Condition cleared.   - Due Diligence Vendor-12/19/2024  Resolved-  - Due Diligence Vendor-12/19/2024

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2963043

N/A

N/A

XXXX

20250505007

XXXX

XXXX

Closed

2024-12-09 18:05

2024-12-19 13:58

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-Lender is closed on Saturdays.  Condition cleared.   - Due Diligence Vendor-12/19/2024 Resolved- - Due Diligence Vendor-12/19/2024 Ready for Review-Document Uploaded.  - Seller-12/18/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) Provide evidence the lender was not open for business on Saturday for purposes of disclosure timing. Additional conditions may apply. - Due Diligence Vendor-12/09/2024

Ready for Review-Document Uploaded.  - Seller-12/18/2024

Resolved-Lender is closed on Saturdays.  Condition cleared.   - Due Diligence Vendor-12/19/2024  Resolved-  - Due Diligence Vendor-12/19/2024

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2963046

N/A

N/A

XXXX

20250505008

XXXX

XXXX

Closed

2024-12-10 15:39

2024-12-18 18:00

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Received Final Settlement statement. Condition cleared. - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded.  - Seller-12/17/2024 Open-The subject is in a dry funding state, missing the PDDC or confirmation the figures on the consummation CD did not change. The Settlement statement in file is marked Estimated. - Due Diligence Vendor-12/10/2024

Ready for Review-Document Uploaded.  - Seller-12/17/2024

Resolved-Received Final Settlement statement. Condition cleared. - Due Diligence Vendor-12/18/2024

XXX

XX

Primary Residence

Purchase

NA

2970953

N/A

N/A

XXXX

20250505008

XXXX

XXXX

Closed

2024-12-11 16:34

2024-12-11 20:41

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/11/2024

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/11/2024

XXX

XX

Primary Residence

Purchase

NA

2982148

Investor Post-Close

No

XXXX

20250505009

XXXX

XXXX

Closed

2025-03-04 20:06

2025-03-13 14:58

Resolved

1 - Information

Credit

Eligibility

Transaction Ineligible

Resolved-AUS DTI Issue Resolved.  Audit DTI at 48.81%.  Condition Resolved. - Due Diligence Vendor-03/13/2025 Open-Lender guidelines a DU Approve/Ineligible (ineligible due to loan amount only). Most recent AUS reflects ineligible due to debt-to-income ratio.  - Due Diligence Vendor-03/04/2025

Resolved-AUS DTI Issue Resolved.  Audit DTI at 48.81%.  Condition Resolved. - Due Diligence Vendor-03/13/2025

XXX

XX

Primary Residence

Purchase

NA

3526101

N/A

N/A

XXXX

20250505009

XXXX

XXXX

Closed

2025-03-04 20:01

2025-03-13 14:56

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Employment validation/verification standards do not meet requirements

Resolved-ATR Risk - Employment validation/verification standards meet requirements.  SE Business Income (loss) not considered.  Condition Resolved. - Due Diligence Vendor-03/13/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements Income loss for both Schedule C business was not included in DTI - Due Diligence Vendor-03/04/2025

Resolved-ATR Risk - Employment validation/verification standards meet requirements.  SE Business Income (loss) not considered.  Condition Resolved. - Due Diligence Vendor-03/13/2025

XXX

XX

Primary Residence

Purchase

NA

3526004

N/A

N/A

XXXX

20250505009

XXXX

XXXX

Closed

2025-03-04 19:57

2025-03-13 14:52

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Removed SE Loss for both Borrowers.  Audited DTI of 48.81% is less than or equal to Guideline DTI of 50%.  Condition Resolved. - Due Diligence Vendor-03/13/2025 Ready for Review-XXXXXX is less than 25% owner of XXXXXX XXXXXX XXXXXXXXX and was qualified using paystubs and W2's.  Likewise, XXXXXXXX was qualified using paystubs and W2's from her job at XXXXXXXX XXXXX XXXXXXXX.  Per XXXX B3-XX/XX/XXXX, Analysis of Borrower's Personal Income:  As it applies to analysis of self-employed businesses "This is not required when a borrower is qualified using only income that is not derived from self-employment and self-employment is a secondary and separate source of income (or loss). Examples of income not derived from self-employment include salary and retirement income." - Seller-03/12/2025 Open-Audited DTI of 61.21% exceeds Guideline DTI of 50% Guidelines reflect a maximum DTI of 50% the audited DTI is 61.21%. The lender did not include the income loss for both Schedule C businesses.  - Due Diligence Vendor-03/04/2025

Ready for Review-XXXXXX is less than 25% owner of XXXXXX XXXXXX XXXXXXXXX and was qualified using paystubs and W2's.  Likewise, XXXXXXXX was qualified using paystubs and W2's from her job at XXXXXXXX XXXXX XXXXXXXX.  Per XXXX B3-3.2-01, Analysis of Borrower's Personal Income:  As it applies to analysis of self-employed businesses "This is not required when a borrower is qualified using only income that is not derived from self-employment and self-employment is a secondary and separate source of income (or loss). Examples of income not derived from self-employment include salary and retirement income." - Seller-03/12/2025

Resolved-Removed SE Loss for both Borrowers.  Audited DTI of 48.81% is less than or equal to Guideline DTI of 50%.  Condition Resolved. - Due Diligence Vendor-03/13/2025

XXX

XX

Primary Residence

Purchase

NA

3525952

N/A

N/A

XXXX

20250505011

XXXX

XXXX

Closed

2025-01-20 13:32

2025-01-28 15:26

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Dry Funding State - Missing Confirmation of Final Figures

Acknowledged-Acknowledged by Client.  This finding is non-material and will be rated a B for all agencies.    - Due Diligence Vendor-01/28/2025 Open-Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures.  This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-01/20/2025

Acknowledged-Acknowledged by Client.  This finding is non-material and will be rated a B for all agencies.    - Due Diligence Vendor-01/28/2025

XXX

XX

Primary Residence

Purchase

NA

3237164

Investor Post-Close

No

XXXX

20250505013

XXXX

XXXX

Closed

2025-03-03 17:02

2025-03-12 15:06

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-Document Uploaded.  - Due Diligence Vendor-03/12/2025 Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value received.  Condition Resolved. - Due Diligence Vendor-03/12/2025 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/03/2025

Resolved-Document Uploaded.  - Due Diligence Vendor-03/12/2025  Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value received.  Condition Resolved. - Due Diligence Vendor-03/12/2025

XXX

XX

Primary Residence

Purchase

NA

3513475

N/A

N/A

XXXX

20250505013

XXXX

XXXX

Closed

2025-03-12 15:02

2025-03-12 15:03

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/12/2025 Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-03/12/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/12/2025  Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-03/12/2025

XXX

XX

Primary Residence

Purchase

NA

3591321

Investor Post-Close

No

XXXX

20250505014

XXXX

XXXX

Closed

2025-01-31 18:17

2025-02-10 14:37

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements

Resolved-Lender does not dispute income calculation but indicated guidelines would allow DTI maximum of 50% for the subject loan parameters.  Further analysis confirms loan eligible for 50% DTI.  Condition cleared.   - Due Diligence Vendor-02/10/2025 Open-The lender's income worksheet indicates Borrower 3's qualifying income was calculated to be $XX,XXX.XX (Base income of $XX,XXX.XX plus bonus income of $XX,XXX.XX).  The audit calculated Borrower 3's qualifying income as $XX,XXX.XX ($XX,XXX.XX in base income plus bonus income of $X,XXX.XX using a 2 year and YTD average).  The only bonus income with a two year history was the "Performance Bonus" and "Referral Bonus" therefore only these two sources of bonus income was used to qualify by the audit ($XX,XXX.XX for XXXX, $XX,XXX.XX for XXXX and $XX,XXX.XX for XXXX).  It appears the lender included the following payments from the XXXX paystub:  "XXX XXXXXXXXX XXX" and "XXX XXXXXXXXX XXX".  There was no explanation provided for these payments, and neither payment was not received in XXXX or XXXX.  The audit DTI is 48.52% which exceeds the guideline maximum DTI of 45%.   - Due Diligence Vendor-01/31/2025 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements    - Due Diligence Vendor-01/31/2025

Resolved-Lender does not dispute income calculation but indicated guidelines would allow DTI maximum of 50% for the subject loan parameters.  Further analysis confirms loan eligible for 50% DTI.  Condition cleared.   - Due Diligence Vendor-02/10/2025

XXX

XX

Primary Residence

Purchase

NA

3328164

N/A

N/A

XXXX

20250505014

XXXX

XXXX

Closed

2025-01-22 17:27

2025-02-10 14:37

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-Lender does not dispute income calculation but indicated guidelines would allow DTI maximum of 50% for the subject loan parameters.  Further analysis confirms loan eligible for 50% DTI.  Condition cleared.   - Due Diligence Vendor-02/10/2025 Open-The lender's income worksheet indicates Borrower 3's qualifying income was calculated to be $XX,XXX.XX (Base income of $XX,XXX.XX plus bonus income of $XX,XXX.XX).  The audit calculated Borrower 3's qualifying income as $XX,XXX.XX ($XX,XXX.XX in base income plus bonus income of $X,XXX.XX using a 2 year and YTD average).  The only bonus income with a two year history was the "Performance Bonus" and "Referral Bonus" therefore only these two sources of bonus income was used to qualify by the audit ($XX,XXX.XX for XXXX, $XX,XXX.XX for XXXX and $XX,XXX.XX for XXXX).  It appears the lender included the following payments from the XXXX paystub:  "XXX XXXXXXXXX XXX" and "XXX XXXXXXXXX XXX".  There was no explanation provided for these payments, and neither payment was not received in XXXX or XXXX.  The audit DTI is 48.52% which exceeds the guideline maximum DTI of 45%.   - Due Diligence Vendor-01/31/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements   - Due Diligence Vendor-01/31/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing Income Documentation for Borrowers Two and Three. - Due Diligence Vendor-01/22/2025

Resolved-Lender does not dispute income calculation but indicated guidelines would allow DTI maximum of 50% for the subject loan parameters.  Further analysis confirms loan eligible for 50% DTI.  Condition cleared.   - Due Diligence Vendor-02/10/2025

XXX

XX

Primary Residence

Purchase

NA

3254933

N/A

N/A

XXXX

20250505014

XXXX

XXXX

Closed

2025-01-31 18:18

2025-02-10 14:36

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Lender does not dispute income calculation but indicated guidelines would allow DTI maximum of 50% for the subject loan parameters.  Further analysis confirms loan eligible for 50% DTI.  Condition cleared.   - Due Diligence Vendor-02/10/2025 Resolved-Audited DTI of 48.52% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/10/2025 Ready for Review-Document Uploaded. Per the attached AUS Jumbo Product Profile, maximum DTI is 50%.   - Seller-02/07/2025 Open-The lender's income worksheet indicates Borrower 3's qualifying income was calculated to be $XX,XXX.XX (Base income of $XX,XXX.XX plus bonus income of $XX,XXX.XX).  The audit calculated Borrower 3's qualifying income as $XX,XXX.XX ($XX,XXX.XX in base income plus bonus income of $X,XXX.XX using a 2 year and YTD average).  The only bonus income with a two year history was the "Performance Bonus" and "Referral Bonus" therefore only these two sources of bonus income was used to qualify by the audit ($XX,XXX.XX for XXXX, $XX,XXX.XX for XXXX and $XX,XXX.XX for XXXX).  It appears the lender included the following payments from the XXXX paystub:  "XXX XXXXXXXXX XXX" and "XXX XXXXXXXXX XXX".  There was no explanation provided for these payments, and neither payment was not received in XXXX or XXX.  The audit DTI is 48.52% which exceeds the guideline maximum DTI of 45%.   - Due Diligence Vendor-01/31/2025 Open-Audited DTI of 48.52% exceeds Guideline DTI of 45% - Due Diligence Vendor-01/31/2025

Ready for Review-Document Uploaded. Per the attached AUS Jumbo Product Profile, maximum DTI is 50%.   - Seller-02/07/2025

Resolved-Lender does not dispute income calculation but indicated guidelines would allow DTI maximum of 50% for the subject loan parameters.  Further analysis confirms loan eligible for 50% DTI.  Condition cleared.   - Due Diligence Vendor-02/10/2025  Resolved-Audited DTI of 48.52% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/10/2025

XXX

XX

Primary Residence

Purchase

NA

3328180

N/A

N/A

XXXX

20250505014

XXXX

XXXX

Closed

2025-01-17 10:58

2025-01-31 18:21

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-Lender has provided income documentation and income worksheet.  Lender's qualifying income for Borrower 3 is not supported and a DTI condition has been raised.  This condition is cleared.   - Due Diligence Vendor-01/31/2025 Ready for Review-Document Uploaded.  - Seller-01/30/2025 Counter-Lender provided the missing income documentation.  The income documentation for Borrower 3 does not support the income used to qualify in the amount of $XX,XXX.XX of which the base income is $XX,XXX.XX per the final loan application.  Borrower 3's paystub reflects a base salary of $XX,XXX.XX.  An income summary provided in the trailing pdf reflects total qualifying income of $XX,XXX.XX for all 4 borrowers but the AUS in file reflects total qualifying income of $XX,XXX.XX.  Please provide income worksheet for all 4 borrowers to support the final income used to qualify.  Additional conditions may apply.  Conditions remain.  - Due Diligence Vendor-01/27/2025 Ready for Review-Document Uploaded.  - Seller-01/24/2025 Open-Supporting income documents missing for B1(2nd job), B3 & B4.  - Due Diligence Vendor-01/17/2025

Ready for Review-Document Uploaded.  - Seller-01/30/2025  Ready for Review-Document Uploaded.  - Seller-01/24/2025

Resolved-Lender has provided income documentation and income worksheet.  Lender's qualifying income for Borrower 3 is not supported and a DTI condition has been raised.  This condition is cleared.   - Due Diligence Vendor-01/31/2025

XXX

XX

Primary Residence

Purchase

NA

3227804

N/A

N/A

XXXX

20250505014

XXXX

XXXX

Closed

2025-01-22 17:25

2025-01-31 18:17

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-Lender provided credit report for Borrower 1 and 2.  Condition cleared.  - Due Diligence Vendor-01/27/2025 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/27/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing Credit Reports for Borrowers One and Two. - Due Diligence Vendor-01/22/2025

Resolved-Lender provided credit report for Borrower 1 and 2.  Condition cleared.  - Due Diligence Vendor-01/27/2025  Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/27/2025

XXX

XX

Primary Residence

Purchase

NA

3254896

N/A

N/A

XXXX

20250505014

XXXX

XXXX

Closed

2025-01-17 01:43

2025-01-31 18:16

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Credit Report is Missing

Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/27/2025 Ready for Review-Document Uploaded.  - Seller-01/24/2025 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-01/17/2025

Lender provided credit report for Borrower 1.  Condition cleared.  - 01/27/2025 Ready for Review-Document Uploaded.  - Seller-01/24/2025

Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/27/2025

XXX

XX

Primary Residence

Purchase

NA

3226850

N/A

N/A

XXXX

20250505014

XXXX

XXXX

Closed

2025-01-17 01:43

2025-01-31 18:16

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Credit Report is Missing

Resolved-Lender provided credit report for Borrower 2.  Condition cleared.  - Due Diligence Vendor-01/27/2025 Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-01/27/2025 Ready for Review-Document Uploaded.  - Seller-01/24/2025 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-01/17/2025

Ready for Review-Document Uploaded.  - Seller-01/24/2025

Resolved-Lender provided credit report for Borrower 2.  Condition cleared.  - Due Diligence Vendor-01/27/2025  Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-01/27/2025

XXX

XX

Primary Residence

Purchase

NA

3226851

N/A

N/A

XXXX

20250505014

XXXX

XXXX

Closed

2025-01-22 17:12

2025-01-24 23:07

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-CDA provided.  - Due Diligence Vendor-01/24/2025 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/22/2025

Resolved-CDA provided.  - Due Diligence Vendor-01/24/2025

XXX

XX

Primary Residence

Purchase

NA

3254675

N/A

N/A

XXXX

20250505016

XXXX

XXXX

Closed

2025-02-28 19:09

2025-03-07 18:00

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/07/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/28/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/07/2025

XXX

XX

Primary Residence

Purchase

NA

3504712

Investor Post-Close

No

XXXX

20250505017

XXXX

XXXX

Closed

2025-02-28 20:09

2025-03-14 16:01

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Dry Funding State - Missing Confirmation of Final Figures

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025 Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to borrower at consummation or a PCCD with final figures. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/28/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025

XXX

XX

Primary Residence

Purchase

NA

3505553

Investor Post-Close

No

XXXX

20250505018

XXXX

XXXX

Closed

2025-02-28 18:15

2025-03-14 16:01

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Dry Funding State - Missing Confirmation of Final Figures

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025 Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to borrower at consummation or a PCCD with final figures. This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-02/28/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3503978

Investor Post-Close

No

XXXX

20250505018

XXXX

XXXX

Closed

2025-02-28 18:18

2025-03-07 17:56

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/07/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/28/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/07/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3504039

Investor Post-Close

No

XXXX

20250505020

XXXX

XXXX

Closed

2025-03-07 17:39

2025-03-12 15:10

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-Document Uploaded.  - Due Diligence Vendor-03/12/2025 Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value obtained.  Condition Resolved. - Due Diligence Vendor-03/12/2025 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/07/2025

Resolved-Document Uploaded.  - Due Diligence Vendor-03/12/2025  Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value obtained.  Condition Resolved. - Due Diligence Vendor-03/12/2025

XXX

XX

Primary Residence

Purchase

NA

3557106

N/A

N/A

XXXX

20250505020

XXXX

XXXX

Closed

2025-03-12 15:08

2025-03-12 15:09

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/12/2025 Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-03/12/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/12/2025  Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-03/12/2025

XXX

XX

Primary Residence

Purchase

NA

3591399

Investor Post-Close

No

XXXX

20250505021

XXXX

XXXX

Closed

2025-03-03 17:24

2025-03-14 16:01

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Dry Funding State - Missing Confirmation of Final Figures

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025 Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures.  - Due Diligence Vendor-03/03/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025

XXX

XX

Primary Residence

Purchase

NA

3513796

Investor Post-Close

No

XXXX

20250505021

XXXX

XXXX

Closed

2025-03-07 14:47

2025-03-07 18:06

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/07/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/07/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/07/2025

XXX

XX

Primary Residence

Purchase

NA

3554443

Investor Post-Close

No

XXXX

20250505022

XXXX

XXXX

Closed

2025-02-28 16:45

2025-03-14 16:01

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Dry Funding State - Missing Confirmation of Final Figures

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025 Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to borrower at consummation or a PCCD with final figures. This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-02/28/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025

XXX

XX

Primary Residence

Purchase

NA

3502429

Investor Post-Close

No

XXXX

20250505022

XXXX

XXXX

Closed

2025-02-28 16:44

2025-03-07 18:03

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/07/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/28/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/07/2025

XXX

XX

Primary Residence

Purchase

NA

3502414

Investor Post-Close

No

XXXX

20250505023

XXXX

XXXX

Closed

2025-03-08 21:07

2025-03-14 16:01

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Dry Funding State - Missing Confirmation of Final Figures

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025 Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures.   - Due Diligence Vendor-03/08/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025

XXX

XX

Primary Residence

Purchase

NA

3564483

Investor Post-Close

No

XXXX

20250505024

XXXX

XXXX

Closed

2025-02-27 18:42

2025-03-14 16:01

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Dry Funding State - Missing Confirmation of Final Figures

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025 Open-Missing Confirmation of Final Figures: Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. - Due Diligence Vendor-02/27/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3495150

Investor Post-Close

No

XXXX

20250505024

XXXX

XXXX

Closed

2025-02-28 18:56

2025-03-12 15:14

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-Document Uploaded.  - Due Diligence Vendor-03/12/2025 Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value is obtained.  Condition Resolved. - Due Diligence Vendor-03/12/2025 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-02/28/2025

Resolved-Document Uploaded.  - Due Diligence Vendor-03/12/2025  Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value is obtained.  Condition Resolved. - Due Diligence Vendor-03/12/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3504549

N/A

N/A

XXXX

20250505024

XXXX

XXXX

Closed

2025-03-12 15:13

2025-03-12 15:13

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/12/2025 Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-03/12/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/12/2025  Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-03/12/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3591482

Investor Post-Close

No

XXXX

20250505024

XXXX

XXXX

Closed

2025-02-27 19:08

2025-03-11 13:03

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Lender provided evidence of exclusionary checks.  Condition cleared.   - Due Diligence Vendor-03/11/2025 Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/11/2025 Ready for Review-Document Uploaded.  - Seller-03/10/2025 Open-All Interested Parties Not Checked with Exclusionary Lists. - Due Diligence Vendor-02/27/2025

Ready for Review-Document Uploaded.  - Seller-03/10/2025

Resolved-Lender provided evidence of exclusionary checks.  Condition cleared.   - Due Diligence Vendor-03/11/2025  Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/11/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3495512

N/A

N/A

XXXX

20250505024

XXXX

XXXX

Closed

2025-02-27 18:06

2025-03-10 19:04

Resolved

1 - Information

Property

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Document Uploaded.  - Due Diligence Vendor-03/10/2025 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-03/10/2025 Open-Subject property is in recent disaster area and there is no post incident inspection. - Due Diligence Vendor-02/27/2025

Resolved-Document Uploaded.  - Due Diligence Vendor-03/10/2025  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-03/10/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3494702

N/A

N/A

XXXX

20250505025

XXXX

XXXX

Closed

2025-03-08 16:16

2025-04-07 13:51

Resolved

1 - Information

Compliance

Missing Doc

PUD Rider is Missing

Resolved-PUD Rider received.  Condition Resolved. - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded.  - Seller-04/04/2025 Open-Missing Mortgage Riders – PUD Rider Appraisal reflects property as PUD  - Due Diligence Vendor-03/08/2025

Ready for Review-Document Uploaded.  - Seller-04/04/2025

Resolved-PUD Rider received.  Condition Resolved. - Due Diligence Vendor-04/07/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3563988

N/A

N/A

XXXX

20250505025

XXXX

XXXX

Closed

2025-03-08 17:05

2025-03-13 15:24

Resolved

1 - Information

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Resolved-Non Jumbo - HB loan.  Condition Resolved. - Due Diligence Vendor-03/13/2025 Ready for Review-This appears to be a High Balance loan and not a Jumbo loan. In XXXXXXXX XXXXXX Colorado the conforming loan limit is $XXX,XXX.XX. The loan is approved through DU. - Seller-03/12/2025 Open-Audited Loan Amount of $XXX,XXX.XX is less than the Guideline Minimum Loan Amount of $833751 - Due Diligence Vendor-03/08/2025

Ready for Review-This appears to be a High Balance loan and not a Jumbo loan. In XXXXXXXX County Colorado the conforming loan limit is $XXX,XXX.XX. The loan is approved through DU. - Seller-03/12/2025

Resolved-Non Jumbo - HB loan.  Condition Resolved. - Due Diligence Vendor-03/13/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3564081

N/A

N/A

XXXX

20250505026

XXXX

XXXX

Closed

2025-03-04 20:21

2025-03-12 15:17

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-Document Uploaded. A valid secondary valuation (CDA) supporting the origination appraisal value obtained. - Due Diligence Vendor-03/12/2025 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/04/2025

Resolved-Document Uploaded. A valid secondary valuation (CDA) supporting the origination appraisal value obtained. - Due Diligence Vendor-03/12/2025

XXX

XX

Second Home

Purchase

NA

3526291

N/A

N/A

XXXX

20250505026

XXXX

XXXX

Closed

2025-03-12 15:16

2025-03-12 15:17

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/12/2025 Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-03/12/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/12/2025  Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-03/12/2025

XXX

XX

Second Home

Purchase

NA

3591818

Investor Post-Close

No

XXXX

20250505026

XXXX

XXXX

Closed

2025-03-04 20:44

2025-03-11 13:25

Resolved

1 - Information

Compliance

Mavent

AbilityToRepay: QMPointsAndFees

Resolved-Lender provided evidence of bona fide discount points.  Condition cleared.   - Due Diligence Vendor-03/11/2025 Resolved-Resolved - Due Diligence Vendor-03/11/2025 Ready for Review-Document Uploaded.  - Seller-03/10/2025 Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Provide rate sheet, Undiscount Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-03/04/2025

Ready for Review-Document Uploaded.  - Seller-03/10/2025

Resolved-Lender provided evidence of bona fide discount points.  Condition cleared.   - Due Diligence Vendor-03/11/2025  Resolved-Resolved - Due Diligence Vendor-03/11/2025

XXX

XX

Second Home

Purchase

NA

3526637

N/A

N/A

XXXX

20250505026

XXXX

XXXX

Closed

2025-03-04 19:39

2025-03-11 13:22

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Employment validation/verification standards do not meet requirements

Resolved-Lender provided XXXXXXXX paystub and XXXX guidelines which permit the use of XXXXXXXX paystub in lieu of VVOE.  Condition cleared.   - Due Diligence Vendor-03/11/2025 Ready for Review-Document Uploaded.  - Seller-03/10/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/04/2025

Ready for Review-Document Uploaded.  - Seller-03/10/2025

Resolved-Lender provided XXXXXXXX paystub and XXXX guidelines which permit the use of XXXXXXXX paystub in lieu of VVOE.  Condition cleared.   - Due Diligence Vendor-03/11/2025

XXX

XX

Second Home

Purchase

NA

3525758

N/A

N/A

XXXX

20250505026

XXXX

XXXX

Closed

2025-03-04 19:39

2025-03-11 13:19

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Lender provided XXXXXXXX paystub and XXXX guidelines which permit the use of XXXXXXXX paystub in lieu of VVOE.  Condition cleared.   - Due Diligence Vendor-03/11/2025 Ready for Review-Document Uploaded.  - Seller-03/10/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/04/2025

Ready for Review-Document Uploaded.  - Seller-03/10/2025

Resolved-Lender provided XXXXXXXX paystub and XXXX guidelines which permit the use of XXXXXXXX paystub in lieu of VVOE.  Condition cleared.   - Due Diligence Vendor-03/11/2025

XXX

XX

Second Home

Purchase

NA

3525757

N/A

N/A

XXXX

20250505027

XXXX

XXXX

Closed

2025-03-07 22:14

2025-03-31 14:35

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Evidence of delivery received.  Condition Resolved. - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. The appraisal was mailed on XX/XX/XXXX - Seller-03/28/2025 Counter-Lender provided an Appraisal Valuation Delivery notice that is not dated.  Condition remains.   - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded.  - Seller-03/24/2025 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-03/07/2025

Ready for Review-Document Uploaded. The appraisal was mailed on XX/XX/XXXX - Seller-03/28/2025  Ready for Review-Document Uploaded.  - Seller-03/24/2025

Resolved-Evidence of delivery received.  Condition Resolved. - Due Diligence Vendor-03/31/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3561216

N/A

N/A

XXXX

20250505027

XXXX

XXXX

Closed

2025-03-08 11:12

2025-03-25 16:10

Resolved

1 - Information

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Resolved-Loan is a High Balance Loan with Approve/Eligible recommendation.  Condition cleared.   - Due Diligence Vendor-03/25/2025 Resolved-Audited Loan Amount of $XXX,XXX.XX is greater than or equal to the Guideline Minimum Loan Amount of $XXX,XXX.XX - Due Diligence Vendor-03/25/2025 Ready for Review-This appears to be a High Balance loan and not a Jumbo loan. In XXXXX XXXXX County California the conforming loan limit is $X,XXX,XXX.XX. The loan is approved through DU. - Seller-03/24/2025 Open-Audited Loan Amount of $XXX,XXX.XX is less than the Guideline Minimum Loan Amount of $1209751 - Due Diligence Vendor-03/08/2025

Ready for Review-This appears to be a High Balance loan and not a Jumbo loan. In XXXXX XXXXX County California the conforming loan limit is $X,XXX,XXX.XX. The loan is approved through DU. - Seller-03/24/2025

Resolved-Loan is a High Balance Loan with Approve/Eligible recommendation.  Condition cleared.   - Due Diligence Vendor-03/25/2025  Resolved-Audited Loan Amount of $XXX,XXX.XX is greater than or equal to the Guideline Minimum Loan Amount of $824800 - Due Diligence Vendor-03/25/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3563477

N/A

N/A

XXXX

20250505028

XXXX

XXXX

Closed

2025-03-07 12:19

2025-03-26 12:32

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Lender provided title commitment.  Condition cleared. - Due Diligence Vendor-03/26/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. Prelim title commitment. - Seller-03/26/2025 Open-Title Document is missing - Due Diligence Vendor-03/07/2025

Ready for Review-Document Uploaded. Prelim title commitment. - Seller-03/26/2025

Resolved-Lender provided title commitment.  Condition cleared. - Due Diligence Vendor-03/26/2025  Resolved-Title Document is not Missing - Due Diligence Vendor-03/26/2025

XXX

XX

Primary Residence

Purchase

NA

3553164

N/A

N/A

XXXX

20250505028

XXXX

XXXX

Closed

2025-03-07 12:35

2025-03-24 15:37

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-Lender provided missing income and asset documentation.  Condition cleared.  - Due Diligence Vendor-03/24/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/24/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Assets are stated in final 1003. But Assets statements are completely missing in loan file. Hence required Asset statement (Bank statement) to satisfy the Cash to close, downpayment and reserves (30 days Open account) - Due Diligence Vendor-03/07/2025

Resolved-Lender provided missing income and asset documentation.  Condition cleared.  - Due Diligence Vendor-03/24/2025  Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/24/2025

XXX

XX

Primary Residence

Purchase

NA

3553255

N/A

N/A

XXXX

20250505028

XXXX

XXXX

Closed

2025-03-07 14:02

2025-03-24 15:37

Resolved

1 - Information

Credit

Missing Doc

Missing Asset Documentation

Resolved-Lender provided missing asset documentation.  Condition cleared.  - Due Diligence Vendor-03/24/2025 Ready for Review-Document Uploaded.  - Seller-03/20/2025 Open-Missing Asset Documentation. Assets are stated in final 1003. But Assets statements are completely missing in loan file. Hence required Asset statement (Bank statement) to satisfy the Cash to close, downpayment and reserves (30 days Open account)  - Due Diligence Vendor-03/07/2025

Ready for Review-Document Uploaded.  - Seller-03/20/2025

Resolved-Lender provided missing asset documentation.  Condition cleared.  - Due Diligence Vendor-03/24/2025

XXX

XX

Primary Residence

Purchase

NA

3553946

N/A

N/A

XXXX

20250505028

XXXX

XXXX

Closed

2025-03-07 14:01

2025-03-24 15:37

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-Lender provided missing income documentation.  Condition cleared.  - Due Diligence Vendor-03/24/2025 Ready for Review-Document Uploaded.  - Seller-03/20/2025 Open-We have only signed business tax return & personal tax return in loan file. But we required completed package of business return (1120-S), K-1 and personal tax return in loan file to calculate the income in loan file.  - Due Diligence Vendor-03/07/2025

Ready for Review-Document Uploaded.  - Seller-03/20/2025

Resolved-Lender provided missing income documentation.  Condition cleared.  - Due Diligence Vendor-03/24/2025

XXX

XX

Primary Residence

Purchase

NA

3553941

N/A

N/A

XXXX

20250505028

XXXX

XXXX

Closed

2025-03-07 12:02

2025-03-13 15:27

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-ECOA Compliant: Evidence appraisal was provided to applicant provided.  Condition Resolved. - Due Diligence Vendor-03/13/2025 Ready for Review-Document Uploaded.  - Seller-03/12/2025 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-03/07/2025

Ready for Review-Document Uploaded.  - Seller-03/12/2025

Resolved-ECOA Compliant: Evidence appraisal was provided to applicant provided.  Condition Resolved. - Due Diligence Vendor-03/13/2025

XXX

XX

Primary Residence

Purchase

NA

3553060

N/A

N/A

XXXX

20250505029

XXXX

XXXX

Closed

2025-04-01 13:20

2025-04-01 13:20

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/01/2025

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/01/2025

XXX

XX

Primary Residence

Purchase

NA

3739848

Investor Post-Close

No

XXXX

20250505030

XXXX

XXXX

Closed

2025-03-10 14:41

2025-03-14 11:20

Resolved

1 - Information

Compliance

Mavent

AbilityToRepay: QMPointsAndFees

Resolved-Lender provided evidence of undiscounted rate.  Condition cleared.  - Due Diligence Vendor-03/14/2025 Resolved-Resolved - Due Diligence Vendor-03/14/2025 Ready for Review-Document Uploaded.  - Seller-03/12/2025 Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Provide rate sheet, Undiscounted Rate/Par, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt.  - Due Diligence Vendor-03/10/2025

Ready for Review-Document Uploaded.  - Seller-03/12/2025

Resolved-Lender provided evidence of undiscounted rate.  Condition cleared.  - Due Diligence Vendor-03/14/2025  Resolved-Resolved - Due Diligence Vendor-03/14/2025

XXX

XX

Second Home

Purchase

NA

3569085

N/A

N/A

XXXX

20250505030

XXXX

XXXX

Closed

2025-03-10 14:07

2025-03-13 15:28

Resolved

1 - Information

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Resolved-Non Jumbo - HB Loan. Condition Resolved. - Due Diligence Vendor-03/13/2025 Ready for Review-This appears to be a High Balance loan and not a Jumbo loan. In XXX XXXX XXXXXX County California the conforming loan limit is $XXX,XXX.XX.  The loan is approved through DU. - Seller-03/12/2025 Open-Audited Loan Amount of $XXX,XXX.XX is less than the Guideline Minimum Loan Amount of $967151 - Due Diligence Vendor-03/10/2025

Ready for Review-This appears to be a High Balance loan and not a Jumbo loan. In XXX XXXX XXXXXXX County California the conforming loan limit is $XXX,XXX.XX.  The loan is approved through DU. - Seller-03/12/2025

Resolved-Non Jumbo - HB Loan. Condition Resolved. - Due Diligence Vendor-03/13/2025

XXX

XX

Second Home

Purchase

NA

3568495

N/A

N/A

XXXX

20250505032

XXXX

XXXX

Closed

2025-03-08 10:02

2025-03-14 16:01

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Dry Funding State - Missing Confirmation of Final Figures

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025 Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to borrower at consummation or a PCCD with final figures. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/08/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025

XXX

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3563358

Investor Post-Close

No

XXXX

20250505033

XXXX

XXXX

Closed

2025-03-04 09:36

2025-03-12 15:22

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-Document Uploaded.  - Due Diligence Vendor-03/12/2025 Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value obtained.  Condition resolved. - Due Diligence Vendor-03/12/2025 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/04/2025

Resolved-Document Uploaded.  - Due Diligence Vendor-03/12/2025  Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value obtained.  Condition resolved. - Due Diligence Vendor-03/12/2025

XXX

XX

Primary Residence

Purchase

NA

3519367

N/A

N/A

XXXX

20250505033

XXXX

XXXX

Closed

2025-03-12 15:20

2025-03-12 15:20

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/12/2025 Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-03/12/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/12/2025  Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-03/12/2025

XXX

XX

Primary Residence

Purchase

NA

3591859

Investor Post-Close

No

XXXX

20250505034

XXXX

XXXX

Closed

2025-03-08 12:06

2025-03-25 17:00

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. CDA obtained. Value supported. AVM posted on XX/XX/XXXX does not specify the product. This condition is resolved. - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded.  - Seller-03/24/2025 Open-A valid secondary valuation supporting the origination appraisal value is not present. 3rd Party Valuation Product Required--CU score >2.5.  Desk Review has been ordered; no action required at this time. - Due Diligence Vendor-03/08/2025

Ready for Review-Document Uploaded.  - Seller-03/24/2025

Resolved-Document Uploaded. CDA obtained. Value supported. AVM posted on XX/XX/XXXX does not specify the product. This condition is resolved. - Due Diligence Vendor-03/25/2025

XXX

XX

Primary Residence

Purchase

NA

3563560

N/A

N/A

XXXX

20250505034

XXXX

XXXX

Closed

2025-03-25 16:56

2025-03-25 16:56

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P Only and graded A for all other agencies. - Due Diligence Vendor-03/25/2025

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P Only and graded A for all other agencies. - Due Diligence Vendor-03/25/2025

XXX

XX

Primary Residence

Purchase

NA

3690516

Investor Post-Close

No

XXXX

20250505034

XXXX

XXXX

Closed

2025-03-08 18:29

2025-03-14 16:01

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Dry Funding State - Missing Confirmation of Final Figures

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025 Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures.  - Due Diligence Vendor-03/08/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025

XXX

XX

Primary Residence

Purchase

NA

3564257

Investor Post-Close

No

XXXX

20250505035

XXXX

XXXX

Closed

2025-04-01 13:08

2025-04-01 13:08

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/01/2025

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/01/2025

XXX

XX

Primary Residence

Purchase

NA

3739725

Investor Post-Close

No

XXXX

20250505035

XXXX

XXXX

Closed

2025-03-07 11:46

2025-03-26 12:45

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-Received solar agreement for the subject property.  Condition cleared.  - Due Diligence Vendor-03/26/2025 Ready for Review-See solar agreement uploaded - Seller-03/26/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Required documentation is missing for installment account of Solar panel.  - Due Diligence Vendor-03/07/2025

Ready for Review-See solar agreement uploaded - Seller-03/26/2025

Resolved-Received solar agreement for the subject property.  Condition cleared.  - Due Diligence Vendor-03/26/2025

XXX

XX

Primary Residence

Purchase

NA

3552982

N/A

N/A

XXXX

20250505035

XXXX

XXXX

Closed

2025-03-04 12:59

2025-03-26 12:45

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Received solar agreement for the subject property.  Condition cleared.  - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. Solar in file, No UCC, so no jumbo issue. We used highest single last payment of $XXX.XX - Seller-03/26/2025 Open-Required documentation is missing for installment account of Solar panel.  - Due Diligence Vendor-03/04/2025

Ready for Review-Document Uploaded. Solar in file, No UCC, so no jumbo issue. We used highest single last payment of $XXX.XX - Seller-03/26/2025

Resolved-Received solar agreement for the subject property.  Condition cleared.  - Due Diligence Vendor-03/26/2025

XXX

XX

Primary Residence

Purchase

NA

3520151

N/A

N/A

XXXX

20250505035

XXXX

XXXX

Closed

2025-03-12 11:44

2025-03-25 18:52

Resolved

1 - Information

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Resolved-Loan is a High Balance Loan with Approve/Eligible recommendation.  Condition cleared.   - Due Diligence Vendor-03/25/2025 X,XXX,XXX.XX is greater than or equal to the Guideline Minimum Loan Amount of $1160000 - Due Diligence Vendor-03/25/2025 Ready for Review-This appears to be a High Balance loan and not a Jumbo loan. In XXX XXXXXXX County California the conforming loan limit is $X,XXX,XXX.XX. The loan is approved through DU.  - Seller-03/24/2025 Open-Audited Loan Amount of $X,XXX,XXX.XX is less than the Guideline Minimum Loan Amount of $1209751 - Due Diligence Vendor-03/12/2025

Ready for Review-This appears to be a High Balance loan and not a Jumbo loan. In XXX XXXXXXX County California the conforming loan limit is $X,XXX,XXX.XX. The loan is approved through DU.  - Seller-03/24/2025

Resolved-Loan is a High Balance Loan with Approve/Eligible recommendation.  Condition cleared.   - Due Diligence Vendor-03/25/2025  Resolved-Audited Loan Amount of $X,XXX,XXX.XX is greater than or equal to the Guideline Minimum Loan Amount of $1160000 - Due Diligence Vendor-03/25/2025

XXX

XX

Primary Residence

Purchase

NA

3589118

N/A

N/A

XXXX

20250505036

XXXX

XXXX

Closed

2025-03-05 16:42

2025-03-14 16:01

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Dry Funding State - Missing Confirmation of Final Figures

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025 Open-Missing Confirmation of Final Figures: Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures - Due Diligence Vendor-03/05/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025

XXX

XX

Primary Residence

Purchase

NA

3533222

Investor Post-Close

No

XXXX

20250505037

XXXX

XXXX

Closed

2023-10-02 18:10

2023-11-07 14:21

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client.  - Due Diligence Vendor-11/07/2023 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/02/2023

Acknowledged-Acknowledged by Client.  - Due Diligence Vendor-11/07/2023

XXX

XX

Second Home

Purchase

NA

1188721

Investor Post-Close

No

XXXX

20250505037

XXXX

XXXX

Closed

2023-10-02 18:10

2023-11-07 14:21

Acknowledged

2 - Non-Material

Compliance

Missing Doc

FCRA Negative Information Notice Missing

Acknowledged-Acknowledged by Client.  - Due Diligence Vendor-11/07/2023 Open-FCRA Negative Information Notice Missing - Due Diligence Vendor-10/02/2023

Acknowledged-Acknowledged by Client.  - Due Diligence Vendor-11/07/2023

XXX

XX

Second Home

Purchase

NA

1188723

Investor Post-Close

No

XXXX

20250505038

XXXX

XXXX

Closed

2024-12-10 13:03

2025-01-06 21:54

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/10/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025

XXX

XX

Primary Residence

Purchase

NA

2969184

Investor Post-Close

No

XXXX

20250505039

XXXX

XXXX

Closed

2025-01-08 16:11

2025-02-12 18:47

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged.  This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/12/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/08/2025

Acknowledged-Acknowledged.  This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/12/2025

XXX

XX

Primary Residence

Purchase

NA

3163354

Investor Post-Close

No

XXXX

20250505041

XXXX

XXXX

Closed

2025-01-16 13:19

2025-01-23 14:54

Resolved

1 - Information

Property

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Document Uploaded. Received PDI evidencing property is free and clear of related damage.  Condition cleared.   - Due Diligence Vendor-01/23/2025 Resolved-Post incident inspection provided - Due Diligence Vendor-01/23/2025 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-01/16/2025

Resolved-Document Uploaded. Received PDI evidencing property is free and clear of related damage.  Condition cleared.   - Due Diligence Vendor-01/23/2025  Resolved-Post incident inspection provided - Due Diligence Vendor-01/23/2025

XXX

XX

Primary Residence

Purchase

NA

3218004

N/A

N/A

XXXX

20250505043

XXXX

XXXX

Closed

2025-02-28 14:53

2025-04-22 13:52

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-04/22/2025 Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/28/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-04/22/2025  Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/28/2025

XXX

XX

Primary Residence

Refinance

Cash Out - Other

3500980

Investor Post-Close

No

XXXX

20250505043

XXXX

XXXX

Closed

2025-02-27 20:36

2025-03-14 16:04

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/27/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025

XXX

XX

Primary Residence

Refinance

Cash Out - Other

3496574

Investor Post-Close

No

XXXX

20250505043

XXXX

XXXX

Closed

2025-02-27 14:41

2025-03-14 16:03

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025 Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/27/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025

XXX

XX

Primary Residence

Refinance

Cash Out - Other

3491505

Investor Post-Close

No

XXXX

20250505044

XXXX

XXXX

Closed

2025-04-07 12:35

2025-04-07 12:35

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/07/2025

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/07/2025

XXX

XX

Second Home

Purchase

NA

3793536

Investor Post-Close

No

XXXX

20250505044

XXXX

XXXX

Closed

2025-02-28 19:35

2025-03-14 16:04

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/28/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025

XXX

XX

Second Home

Purchase

NA

3505059

Investor Post-Close

No

XXXX

20250505047

XXXX

XXXX

Closed

2025-03-03 14:43

2025-03-14 16:04

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/06/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025

XXX

XX

Primary Residence

Purchase

NA

3511625

Investor Post-Close

No

XXXX

20250505048

XXXX

XXXX

Closed

2025-03-04 17:45

2025-03-07 18:05

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/07/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/04/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/07/2025

XXX

XX

Primary Residence

Purchase

NA

3524094

Investor Post-Close

No

XXXX

20250505049

XXXX

XXXX

Closed

2025-03-03 17:27

2025-03-14 16:04

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/03/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025

XXX

XX

Primary Residence

Purchase

NA

3513827

Investor Post-Close

No

XXXX

20250505049

XXXX

XXXX

Closed

2025-03-03 17:27

2025-03-14 16:03

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025 Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/03/2025

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/14/2025

XXX

XX

Primary Residence

Purchase

NA

3513826

Investor Post-Close

No