Exception Grades

Run Date - 6/2/2025 11:17:03 AM

SitusAMC Loan ID

Customer Loan ID

Seller Loan ID

Investor Loan Number

Unique Loan ID

Loan Exception ID

Exception ID

Exception Date

Exception Type

Exception Category

Exception Subcategory

15E Category

Exception

Exception Detail

Exception Information

Compensating Factors

Compensating Factor Information

Applying Party

Follow-up Comments

Cleared Date

Cured Date

Waived Date

Exception Level Grade

DBRS Initial Exception Rating

DBRS Final Exception Rating

Fitch Initial Exception Rating

Fitch Final Exception Rating

Kroll Initial Exception Rating

Kroll Final Exception Rating

Moody's Initial Exception Rating

Moody's Final Exception Rating

S&P Initial Exception Rating

S&P Final Exception Rating

Note Date

Property State

Occupancy

Purpose

Exception Remediation

Overall Initial Loan Grade

Overall Final Loan Grade

Credit Initial Loan Grade

Credit Final Loan Grade

Compliance Initial Loan Grade

Compliance Final Loan Grade

Property Initial Loan Grade

Property Final Loan Grade

Originator QM ATR Status

TPR QM ATR Status

Is Curable

[redacted}

[redacted}

[redacted}

[redacted}

79546451

XXX

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2024-08-14): XXXXX Reviewer Comment (2022-06-21): XXXXX

08/14/2024

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

D

B

B

B

A

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79546451

XXX

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

The file is missing a copy of the secondary valuation required for securitization purposes.

Reviewer Comment (2022-06-21): XXXXX

06/21/2022

1

D

A

D

A

D

A

D

A

D

A

CA

Primary

Purchase

D

B

B

B

A

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79546451

XXX

Property

Valuation

General

Valuation

Valuation Product pending

Clear Capital / 2 days - CDA - No MLS Sheets

Reviewer Comment (2025-04-02): XXXXX Reviewer Comment (2022-06-21): XXXXX

04/02/2025

1

A

A

A

A

A

CA

Primary

Purchase

D

B

B

B

A

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75856170

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.75 exceeds tolerance of $50.00 plus 10% or $55.00.  Sufficient or excess cure was provided to the borrower at Closing.

Valid change circumstance on file.

Reviewer Comment (2022-06-22): XXXXX

06/22/2022

1

A

A

A

A

A

A

A

A

A

A

GA

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

75856170

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $950.00 exceeds tolerance of $740.00.  Sufficient or excess cure was provided to the borrower at Closing.

Valid change circumstance on file.

Reviewer Comment (2022-06-22): XXXXX

06/22/2022

1

A

A

A

A

A

A

A

A

A

A

GA

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

75856170

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $49.25 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

Valid change circumstance on file.

Reviewer Comment (2022-06-22): XXXXX

06/22/2022

1

A

A

A

A

A

A

A

A

A

A

GA

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

72594598

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR).

Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR).

Reviewer Comment (2022-08-18): XXXXX Buyer Comment (2022-08-11): XXXXX

08/18/2022

1

B

A

C

A

B

A

C

A

B

A

TX

Primary

Purchase

Lender to provide updated ATR/QM status

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Higher Priced QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

72594598

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Restated Loan Designation Match - QM / ATR

Ability to Repay / Qualified Mortgage (Dodd-Frank XXXXX): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR).

Loan designation restated as HPQM (APOR) per client request.

Reviewer Comment (2022-08-18): XXXXX

08/18/2022

2

A

B

B

B

A

TX

Primary

Purchase

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Higher Priced QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73405319

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Retained primary residence for non-occupant co-borrower was not included in the DTI calculations and due to a DTI of 50.52%, the subject loan designation is QM (APOR) Risk.

Reviewer Comment (2022-07-29): XXXXX

07/29/2022

1

B

A

C

A

B

A

C

A

B

A

FL

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

73405319

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines

General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 50.51894% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)

The non-occupant co-borrower's mortgage payments were not included in the DTI calculation.  Adding the non-occupant co-borrower's mortgage payments to the monthly debts results in a DTI of 50.52%, which exceeds the guideline maximum DTI of 45.00%.

Reviewer Comment (2022-07-29): XXXXX Reviewer Comment (2022-07-28): XXXXX Buyer Comment (2022-07-27): XXXXX

07/29/2022

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73405319

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $950.00 exceeds tolerance of $500.00.  Sufficient or excess cure was provided to the borrower at Closing.

Appraisal fee was disclosed at $500.00 on the Initial Loan Estimate, but disclosed as $950.00 on the Final Closing Disclosure dated XX/XX/XX. No valid changed circumstance was found in the file. A lender credit of $518.00 provided at closing was sufficient to cover the tolerance violation amounts totaling $518.00.

Reviewer Comment (2022-07-21): XXXXX

07/21/2022

1

A

A

A

A

A

A

A

A

A

A

FL

Primary

Purchase

Final CD evidences Cure

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

73405319

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $168.00 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing.

Credit Report fee was disclosed at $100.00 on the Initial Loan Estimate, but disclosed as $168.00 on the Final Closing Disclosure dated XX/XX/XX. No valid changed circumstance was found in the file. A lender credit of $518.00 provided at closing was sufficient to cover the tolerance violation amounts totaling $518.00.

Reviewer Comment (2022-07-21): XXXXX

07/21/2022

1

A

A

A

A

A

A

A

A

A

A

FL

Primary

Purchase

Final CD evidences Cure

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

73405319

XXX

Credit

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Borrower and Mortgage Eligibility

AUS Findings: Investor qualifying total debt ratio discrepancy.

Retained primary residence for the non-occupant co-borrower was not submitted to LP and LP approved the loan with a DTI of 44.00%. Adding the non-occupant co-borrower's mortgage payments to the monthly debts results in a DTI of 50.52%. Because the DTI increase of 6.52% exceeds the LP DTI Tolerance of 3.00%, resubmission to LP is required. Upon receipt of the resubmitted LP, additional conditions XXXXX apply.

Reviewer Comment (2022-07-28): XXXXX Buyer Comment (2022-07-27): XXXXX

07/28/2022

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73405319

XXX

Credit

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

The non-occupant co-borrower's mortgage payments were not included in the DTI calculation.  Adding the non-occupant co-borrower's mortgage payments to the monthly debts results in a DTI of 50.52%, which exceeds the guideline maximum DTI of 45.00%.

Reviewer Comment (2022-07-29): XXXXX Reviewer Comment (2022-07-28): XXXXX Buyer Comment (2022-07-27): XXXXX

07/29/2022

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73405319

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor Guidelines Violation

General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.

Retained primary residence for non-occupant co-borrower was not included in the DTI calculations and due to a DTI of 50.52%, the subject loan designation is QM (APOR) Risk.

Reviewer Comment (2022-07-29): XXXXX Reviewer Comment (2022-07-28): XXXXX Buyer Comment (2022-07-27): XXXXX

07/29/2022

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79596613

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Amount Financed Test

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXX is over disclosed by $1,425.00 compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX).

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXX is over disclosed by $1,425.00 compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX). (Final/XX/XX/XX)

Reviewer Comment (2025-03-24): XXXXX

03/24/2025

2

C

B

C

B

C

B

C

B

C

B

NJ

Second Home

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

79596613

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $XXX is under disclosed by $1,425.00 compared to the calculated Finance Charge of $XXXX which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX).

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $1,425.00 compared to the calculated Finance Charge of $XXX which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). (Final/XX/XX/XX)

Reviewer Comment (2025-03-24): XXXXX

03/24/2025

2

C

B

C

B

C

B

C

B

C

B

NJ

Second Home

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

75622179

XXX

Credit

Insurance

Insurance Analysis

Insurance

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

HOI coverage is insufficient by $5,600.  Provide updated policy reflecting minimum coverage of $XXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount.

Reviewer Comment (2024-12-12): XXXXX

12/12/2024

1

C

A

C

A

C

A

C

A

C

A

MD

Second Home

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

78264322

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Evidence of earlier receipt by borrower not found in file

Reviewer Comment (2024-12-20): XXXXX

12/20/2024

1

C

A

C

A

C

A

C

A

C

A

DE

Second Home

Purchase

No Defined Cure

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

78879316

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX.): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared. File is missing copies of third party verifications

Reviewer Comment (2025-01-02): XXXXX Reviewer Comment (2024-12-29): XXXXX

01/02/2025

1

B

A

C

A

B

A

C

A

B

A

NV

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

78879316

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Partnership

General QM: Unable to verify current Partnership status using reasonably reliable third-party records.

Missing third party verification for XXXXX/Partnership.

Reviewer Comment (2025-01-02): XXXXX Reviewer Comment (2024-12-29): XXXXX

01/02/2025

1

C

A

C

A

C

A

C

A

C

A

NV

Primary

Purchase

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

78879316

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Partnership

General QM: Unable to verify current Partnership status using reasonably reliable third-party records.

Missing third party verification for The XXXXX Limited Partnership/Partnership.

Reviewer Comment (2025-01-02): XXXXX Reviewer Comment (2024-12-29): XXXXX

01/02/2025

1

C

A

C

A

C

A

C

A

C

A

NV

Primary

Purchase

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75559403

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $600.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $600.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

Reviewer Comment (2025-03-14): XXXXX

03/14/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

71521362

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $103.50 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing.

Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $103.50 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-01-02): XXXXX

01/02/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

71521362

XXX

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-04-22): XXXXX

01/06/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

71521362

XXX

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

The subject property is located in a FEMA disaster area that does not have a declared end date.  Provide a post-disaster inspection verifying there was no damage.  The inspection must include exterior photos and the property must be inspected.

The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. Borrower has been employed in the same industry for more than 5 years.

SitusAMC SitusAMC

Reviewer Comment (2025-02-07): XXXXX Reviewer Comment (2025-02-05): XXXXX Seller Comment (2025-02-05): XXXXX

02/07/2025

2

B

B

B

B

B

CA

Primary

Purchase

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

72429608

XXX

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-03-20): XXXXX

01/24/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

72429608

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

01/24/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

72429608

XXX

Credit

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 52.16540% exceeds Guideline total debt ratio of 50.00000%. Lender used rental income of $25,954.23 for property at XXXXX, however calculated rental income is $2,002.98 and lender used rental income of $5,583.09 for property at XXXXX, however calculated rental income is $1,833.09. Missing income worksheets, unable to determine lender calculation.

Reviewer Comment (2025-02-06): XXXXX Seller Comment (2025-02-05): XXXXX Reviewer Comment (2025-02-03): XXXXX Seller Comment (2025-01-31): XXXXX

02/06/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

72429608

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX.): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared.

Reviewer Comment (2025-02-06): XXXXX Seller Comment (2025-02-05): XXXXX Reviewer Comment (2025-02-03): XXXXX Seller Comment (2025-01-31): XXXXX Reviewer Comment (2025-01-28): XXXXX Seller Comment (2025-01-27): XXXXX

02/06/2025

1

B

A

C

A

B

A

C

A

B

A

CA

Primary

Purchase

Lender to provide updated ATR/QM status

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

72429608

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines

General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 52.16540% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.)

The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 52.16540% moderately exceeds the guideline maximum of 50.00%. Lender used rental income of $25,954.23 for property at XXXXX, however calculated rental income is $2,002.98 and lender used rental income of $5,583.09 for property at XXXXX, however calculated rental income is $1,833.09. Missing income worksheets, unable to determine lender calculation.

Reviewer Comment (2025-02-06): XXXXX Seller Comment (2025-02-05): XXXXX Reviewer Comment (2025-02-03): XXXXX Seller Comment (2025-01-31): XXXXX

02/06/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

72429608

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor Guidelines Violation

General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.

Reviewer Comment (2025-02-06): XXXXX Seller Comment (2025-02-05): XXXXX Reviewer Comment (2025-02-03): XXXXX Seller Comment (2025-01-31): XXXXX

02/06/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75641043

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX.): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

12/31/2024

2

B

B

B

B

B

B

B

B

B

B

CA

Second Home

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75641043

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX.): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

12/31/2024

2

B

B

B

B

B

B

B

B

B

B

CA

Second Home

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73163986

XXX

Compliance

Compliance

State Compliance

State Defect

South Carolina Home Loan (Complaint Agency Disclosure Not Provided)

XXXXX Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.

Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.

Reviewer Comment (2024-12-16): XXXXX Seller Comment (2024-12-13): XXXXX

12/16/2024

1

C

A

C

A

C

A

C

A

C

A

SC

Primary

Purchase

D

A

A

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73163986

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Will Have Escrow -  Monthly Escrow Payment Overdisclosed Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan.

Sufficient cure provide at closing.

Reviewer Comment (2024-12-10): XXXXX

12/10/2024

1

A

A

A

A

A

A

A

A

A

A

SC

Primary

Purchase

Provide the following: Letter of Explanation notifying borrower or error and Corrected CD

D

A

A

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

73163986

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Settlement Service Provider Status

TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.

Borrower not provided with list of service providers.

Reviewer Comment (2024-12-30): XXXXX

12/30/2024

1

A

A

A

A

A

A

A

A

A

A

SC

Primary

Purchase

No Defined Cure

D

A

A

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73163986

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX.  Insufficient or no cure was provided to the borrower.

Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower.

Reviewer Comment (2024-12-30): XXXXX Seller Comment (2024-12-27): XXXXX Reviewer Comment (2024-12-27): XXXXX Seller Comment (2024-12-24): XXXXX

12/30/2024

1

C

A

C

A

C

A

C

A

C

A

SC

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

D

A

A

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

73163986

XXX

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2

The file is missing a copy of the secondary valuation required for securitization purposes.

Reviewer Comment (2024-12-20): XXXXX Seller Comment (2024-12-19): XXXXX

12/20/2024

1

D

A

D

A

D

A

D

A

D

A

SC

Primary

Purchase

D

A

A

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73163986

XXX

Compliance

Compliance

State Compliance

State Defect

XXXXX CHL Complaint Agency Disclosure Timing Test

XXXXX Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.

Reviewer Comment (2024-12-20): XXXXX Seller Comment (2024-12-19): XXXXX Reviewer Comment (2024-12-18): XXXXX Seller Comment (2024-12-16): XXXXX

12/20/2024

1

A

A

A

A

A

SC

Primary

Purchase

D

A

A

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79553440

XXX

Compliance

Compliance

Federal Compliance

TRID

ECOA Appraisal Disclosure - ECOA Status

ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.

File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.

Reviewer Comment (2025-01-08): XXXXX

01/08/2025

1

B

A

B

A

B

A

B

A

B

A

NY

Primary

Purchase

Good faith redisclosure

D

B

D

A

C

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

79553440

XXX

Compliance

Compliance

Federal Compliance

RESPA

RESPA Disclosure - List of Homeownership Counseling Organizations Missing

RESPA Disclosure Rule (Dodd-Frank XXXXX.): Creditor did not provide List of Homeownership Counseling Organizations to borrower.

The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within 3 days of the application date.

01/03/2025

2

B

B

B

B

B

B

B

B

B

B

NY

Primary

Purchase

D

B

D

A

C

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79553440

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File

TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to  XXXXX be required.

TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to  XXXXX be required.

Reviewer Comment (2025-01-08): XXXXX Seller Comment (2025-01-06): XXXXX

01/08/2025

1

C

A

C

A

C

A

C

A

C

A

NY

Primary

Purchase

No Defined Cure

D

B

D

A

C

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79553440

XXX

Credit

Income / Employment

Income Documentation

Income / Employment

Verification(s) of employment is not within 10 business days of the Note.

Verification of employment is not within 10 business days of the Note.

Reviewer Comment (2025-01-07): XXXXX Seller Comment (2025-01-06): XXXXX

01/07/2025

1

C

A

C

A

C

A

C

A

C

A

NY

Primary

Purchase

D

B

D

A

C

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79553440

XXX

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Loan is to be securitized. Appraisal is missing. Sec ID: 1

The file is missing a copy of the secondary valuation required for securitization purposes.

Reviewer Comment (2025-01-07): XXXXX Seller Comment (2025-01-06): XXXXX

01/07/2025

1

D

A

D

A

D

A

D

A

D

A

NY

Primary

Purchase

D

B

D

A

C

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79553440

XXX

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.

The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX declared end Date.

Reviewer Comment (2025-01-08): XXXXX

01/08/2025

1

C

A

C

A

C

A

C

A

C

A

NY

Primary

Purchase

D

B

D

A

C

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79553440

XXX

Credit

Credit

General

Credit

Initial Rate Lock rate date is not documented in file.

File does not have Rate Lock document in file.

Reviewer Comment (2025-01-08): XXXXX

01/08/2025

1

C

A

C

A

C

A

C

A

C

A

NY

Primary

Purchase

D

B

D

A

C

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79553440

XXX

Credit

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Missing Document: Appraisal not provided

File does not have Appraisal document in file.

Reviewer Comment (2025-01-07): XXXXX Seller Comment (2025-01-06): XXXXX

01/07/2025

1

D

A

D

A

D

A

D

A

D

A

NY

Primary

Purchase

D

B

D

A

C

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79553440

XXX

Credit

Loan Package Documentation

Application / Processing

Insurance

Missing Document: Flood Certificate not provided

File does not have Flood Certificate document missing in file.

Reviewer Comment (2025-01-07): XXXXX Seller Comment (2025-01-06): XXXXX

01/07/2025

1

C

A

C

A

C

A

C

A

C

A

NY

Primary

Purchase

D

B

D

A

C

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79553440

XXX

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: AUS not provided

File does not have AUS document in file.

Reviewer Comment (2025-01-13): XXXXX Seller Comment (2025-01-10): XXXXX Reviewer Comment (2025-01-07): XXXXX Seller Comment (2025-01-06): XXXXX

01/13/2025

1

C

A

C

A

C

A

C

A

C

A

NY

Primary

Purchase

D

B

D

A

C

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79553440

XXX

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Approval not provided

File does not have Approval document in file.

Reviewer Comment (2025-01-08): XXXXX

01/08/2025

1

C

A

C

A

C

A

C

A

C

A

NY

Primary

Purchase

D

B

D

A

C

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79553440

XXX

Credit

Documents

Missing Document

Documents

File does not contain documentation from lender/seller confirming the condo is warrantable.

Missing documentation from lender/seller confirming the condo is warrantable project.

Reviewer Comment (2025-01-09): XXXXX Seller Comment (2025-01-08): XXXXX

01/09/2025

1

A

A

A

A

A

NY

Primary

Purchase

D

B

D

A

C

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79553440

XXX

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2

The file is missing a copy of the secondary valuation required for securitization purposes.

Reviewer Comment (2025-01-09): XXXXX Seller Comment (2025-01-08): XXXXX

01/09/2025

1

A

A

A

A

A

NY

Primary

Purchase

D

B

D

A

C

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76906489

XXX

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX declared end date.

Reviewer Comment (2025-03-04): XXXXX Seller Comment (2025-03-04): XXXXX

03/04/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77373817

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Total Of Payments

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX).  The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $100.00 threshold.

Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $100.00 threshold.

Reviewer Comment (2025-03-20): XXXXX Seller Comment (2025-03-19): XXXXX

03/20/2025

2

C

B

C

B

C

B

C

B

C

B

WA

Primary

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable

D

B

A

A

C

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

77373817

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $1,125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.

Reviewer Comment (2025-03-06): XXXXX Seller Comment (2025-03-05): XXXXX Reviewer Comment (2025-03-05): XXXXX Seller Comment (2025-03-04): XXXXX

03/06/2025

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

D

B

A

A

C

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

77373817

XXX

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2

The file is missing a copy of the secondary valuation required for securitization purposes.

Reviewer Comment (2025-02-14): XXXXX Seller Comment (2025-02-13): XXXXX

02/14/2025

1

D

A

D

A

D

A

D

A

D

A

WA

Primary

Purchase

D

B

A

A

C

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77373817

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

02/12/2025

2

B

B

B

B

B

B

B

B

B

B

WA

Primary

Purchase

D

B

A

A

C

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77373817

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

02/14/2025

2

B

B

B

B

B

WA

Primary

Purchase

D

B

A

A

C

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73135869

XXX

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2

The file is missing a copy of the secondary valuation required for securitization purposes.

Reviewer Comment (2025-02-28): XXXXX Seller Comment (2025-02-28): XXXXX

02/28/2025

1

D

A

D

A

D

A

D

A

D

A

MA

Second Home

Purchase

D

B

A

A

B

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73135869

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

02/21/2025

2

B

B

B

B

B

B

B

B

B

B

MA

Second Home

Purchase

D

B

A

A

B

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73135869

XXX

Credit

Documents

Missing Document

Documents

File does not contain documentation from lender/seller confirming the condo is warrantable.

File does not contain documentation from lender/seller confirming the condo is warrantable.

Reviewer Comment (2025-03-03): XXXXX Seller Comment (2025-03-03): XXXXX

03/03/2025

1

A

A

A

A

A

MA

Second Home

Purchase

D

B

A

A

B

B

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74257524

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX.  Insufficient or no cure was provided to the borrower.

10% tolerance was exceeded by $XXX due to increase of Title Premium Lenders Coverage fee.  No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2025-02-17): XXXXX Seller Comment (2025-02-14): XXXXX

02/17/2025

2

C

B

C

B

C

B

C

B

C

B

HI

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

74257524

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $XXX.  Insufficient or no cure was provided to the borrower.

Title Premium Lenders Coverage fee was last disclosed as XXX on the Final Closing disclosure. No valid change  of circumstance or cure provided for this fee.

Reviewer Comment (2025-02-17): XXXXX Seller Comment (2025-02-14): XXXXX

02/17/2025

2

C

B

C

B

C

B

C

B

C

B

HI

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

74257524

XXX

Credit

Title

Document Error

Title

The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Reviewer Comment (2025-02-12): XXXXX Seller Comment (2025-02-12): XXXXX

02/12/2025

1

C

A

C

A

C

A

C

A

C

A

HI

Primary

Purchase

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74257524

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

02/04/2025

2

B

B

B

B

B

B

B

B

B

B

HI

Primary

Purchase

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

72887584

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $139.06 exceeds tolerance of $120.00.  Sufficient or excess cure was provided to the borrower at Closing.

Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $139.06 exceeds tolerance of $120.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-02-28): XXXXX

02/28/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

75563484

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

03/06/2025

2

B

B

B

B

B

B

B

B

B

B

VA

Second Home

Purchase

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75563484

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

Loan designation failure due to ATR failure.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.

Reviewer Comment (2025-03-13): XXXXX Seller Comment (2025-03-10): XXXXX

03/13/2025

1

B

A

C

A

B

A

C

A

B

A

VA

Second Home

Purchase

Lender to provide updated ATR/QM status

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

75563484

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Schedule C

General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.

For self-employed borrowers, the existence of the business must be independently verified by two (2) years of business licenses or a CPA letter through disinterested third party within 10 business days of closing.  The loan file should reflect documentation secured from these sources.  Sources XXXXX include: CPA, regulatory agency or applicable licensing bureau.

Reviewer Comment (2025-03-13): XXXXX Seller Comment (2025-03-10): XXXXX

03/13/2025

1

C

A

C

A

C

A

C

A

C

A

VA

Second Home

Purchase

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74037995

XXX

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-05-22): XXXXX

04/03/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Refinance - Rate/Term

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74037995

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $300.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $300.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $300.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2025-04-08): XXXXX Seller Comment (2025-04-07): XXXXX

04/08/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

74037995

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $300.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $300.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $300.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2025-04-08): XXXXX Seller Comment (2025-04-07): XXXXX

04/08/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

74037995

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $300.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-04-11): XXXXX

04/11/2025

1

A

A

A

A

A

CA

Primary

Refinance - Rate/Term

Final CD evidences Cure

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

74037995

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $300.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-04-11): XXXXX

04/11/2025

1

A

A

A

A

A

CA

Primary

Refinance - Rate/Term

Final CD evidences Cure

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

73704394

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

03/07/2025

2

B

B

B

B

B

B

B

B

B

B

WA

Primary

Purchase

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73704394

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

03/07/2025

2

B

B

B

B

B

B

B

B

B

B

WA

Primary

Purchase

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73704394

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Evidence of earlier borrower receipt was not found in file.

Reviewer Comment (2025-03-13): XXXXX Seller Comment (2025-03-12): XXXXX Reviewer Comment (2025-03-11): XXXXX Seller Comment (2025-03-11): XXXXX

03/13/2025

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Purchase

No Defined Cure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73704394

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-03-05): XXXXX

03/05/2025

1

A

A

A

A

A

A

A

A

A

A

WA

Primary

Purchase

Final CD evidences Cure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

72735220

XXX

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The file was missing a copy of the final title policy.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-04-22): XXXXX

03/11/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

72735220

XXX

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-04-22): XXXXX

03/11/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73449101

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee.  Fee Amount of $51.94 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $51.94 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.

Reviewer Comment (2025-03-13): XXXXX Seller Comment (2025-03-12): XXXXX Reviewer Comment (2025-03-11): XXXXX Reviewer Comment (2025-03-04): XXXXX Seller Comment (2025-03-03): XXXXX Reviewer Comment (2025-02-27): XXXXX Seller Comment (2025-02-26): XXXXX

03/13/2025

1

C

A

C

A

C

A

C

A

C

A

DC

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

79568626

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee.  Fee Amount of $63.95 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee.  Fee Amount of $63.95 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-02-27): XXXXX

02/27/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

C

B

C

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

79568626

XXX

Credit

Income / Employment

Income Documentation

Income / Employment

Verification(s) of employment is not within 10 business days of the Note.

-

Per Non-QM guidelines Paystub can not be acceptable in lieu of VVOE, Please provide Verification of employement within 10 business days of note date. Exception Remains.

The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

SitusAMC SitusAMC SitusAMC

Reviewer Comment (2025-03-19): XXXXX Reviewer Comment (2025-03-14): XXXXX Seller Comment (2025-03-14): XXXXX Reviewer Comment (2025-03-10): XXXXX Seller Comment (2025-03-10): XXXXX

03/19/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

C

B

C

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79568626

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

03/03/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

C

B

C

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73545330

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

03/10/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Refinance - Rate/Term

B

B

B

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73545330

XXX

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-04-22): XXXXX

03/10/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Refinance - Rate/Term

B

B

B

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

78384474

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Final LE is required to be received by borrower at least 1 day prior to Initial CD.  Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received.  Evidence of earlier receipt of LE was not located in file.

Reviewer Comment (2025-02-26): XXXXX Seller Comment (2025-02-26): XXXXX

02/26/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

No Defined Cure

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

78384474

XXX

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

Preliminary title policy does not state a coverage amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-04-22): XXXXX

02/24/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75189327

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

03/11/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

B

B

B

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75189327

XXX

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-04-22): XXXXX

03/11/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

B

B

B

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74840008

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $950.00 exceeds tolerance of $782.00 plus 10% or $860.20.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-03-05): XXXXX

03/05/2025

1

A

A

A

A

A

A

A

A

A

A

TX

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

73281475

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $92.70 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-03-14): XXXXX

03/14/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

79420967

XXX

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Divorce Decree / Child Support not provided

The file was missing a copy of the required Divorce Decree or child support.

Reviewer Comment (2025-03-19): XXXXX Seller Comment (2025-03-19): XXXXX

03/19/2025

1

C

A

C

A

C

A

C

A

C

A

MA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79420967

XXX

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

The file was missing a copy of the required Insurance Verification, Statement, Tax Verification for REO XXXXX

Reviewer Comment (2025-03-19): XXXXX Seller Comment (2025-03-19): XXXXX

03/19/2025

1

C

A

C

A

C

A

C

A

C

A

MA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76903771

XXX

Compliance

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX.

Subject loan transaction disbursed on XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX.

Reviewer Comment (2025-03-10): XXXXX Seller Comment (2025-03-10): XXXXX

03/10/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Rate/Term

TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

77866154

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Final LE is required to be received by borrower at least 1 day prior to Initial CD.  Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received.  Evidence of earlier receipt of LE was not located in file.

Reviewer Comment (2025-03-03): XXXXX Seller Comment (2025-02-28): XXXXX

03/03/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

No Defined Cure

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73586645

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

03/17/2025

2

B

B

B

B

B

B

B

B

B

B

NC

Second Home

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75791204

XXX

Credit

Income / Employment

Income Documentation

Income / Employment

Verification(s) of employment is not within 10 business days of the Note.

-

Verification of Employment(third party doc is more than 10 days old.

Reviewer Comment (2025-04-25): XXXXX Seller Comment (2025-04-24): XXXXX Seller Comment (2025-04-21): XXXXX Reviewer Comment (2025-04-21): XXXXX Seller Comment (2025-04-18): XXXXX

04/25/2025

1

C

A

C

A

C

A

C

A

C

A

NV

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

72504932

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $XXX. Insufficient or no cure was provided to the borrower.

Lender Credit  was  last disclosed as XXX on LE but disclosed as XXXx on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $255.02, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2025-03-17): XXXXX Seller Comment (2025-03-14): XXXXX

03/17/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Second Home

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

71672764

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

03/07/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Second Home

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

72076341

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Escrowed Property Costs Year 1 Incorrectly Disclosed

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed N/A as Escrowed Property Costs over Year 1.

Final Closing Disclosure provided on XX/XX/XX disclosed N/A as Escrowed Property Costs over Year 1.

Reviewer Comment (2025-04-07): XXXXX Reviewer Comment (2025-04-01): XXXXX Seller Comment (2025-03-28): XXXXX

04/07/2025

1

C

A

C

A

C

A

C

A

C

A

IL

Primary

Purchase

Letter of Explanation & Corrected Closing Disclosure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

72076341

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan.

Final Closing Disclosure provided on XX/XX/XX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan.

Reviewer Comment (2025-04-28): XXXXX Seller Comment (2025-04-28): XXXXX Reviewer Comment (2025-04-24): XXXXX Seller Comment (2025-04-23): XXXXX Reviewer Comment (2025-04-11): XXXXX Seller Comment (2025-04-10): XXXXX Reviewer Comment (2025-04-06): XXXXX Seller Comment (2025-04-03): XXXXX Reviewer Comment (2025-04-01): XXXXX Seller Comment (2025-03-28): XXXXX

04/28/2025

2

C

B

C

B

C

B

C

B

C

B

IL

Primary

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

72076341

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Will Have Escrow -  Monthly Escrow Payment Underdisclosed Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan.

Final Closing Disclosure provided on XX/XX/XX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan.

Reviewer Comment (2025-04-28): XXXXX Reviewer Comment (2025-04-24): XXXXX Seller Comment (2025-04-23): XXXXX Reviewer Comment (2025-04-11): XXXXX Seller Comment (2025-04-10): XXXXX

04/28/2025

2

C

B

C

B

C

B

C

B

C

B

IL

Primary

Purchase

Provide the following: Letter of Explanation notifying borrower or error and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

72076341

XXX

Compliance

Compliance

Federal Compliance

RESPA

RESPA -  Initial Escrow Account statement Inaccurate

RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.

Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.

Reviewer Comment (2025-03-27): XXXXX

03/27/2025

2

B

B

B

B

B

B

B

B

B

B

IL

Primary

Purchase

If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required.

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

72076341

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX.  Sufficient or excess cure was provided to the borrower at Closing.

Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-03-19): XXXXX

03/19/2025

1

A

A

A

A

A

A

A

A

A

A

IL

Primary

Purchase

Final CD evidences Cure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

72076341

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $90.00 exceeds tolerance of $60.00.  Sufficient or excess cure was provided to the borrower at Closing.

Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $90.00 exceeds tolerance of $60.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-03-19): XXXXX

03/19/2025

1

A

A

A

A

A

A

A

A

A

A

IL

Primary

Purchase

Final CD evidences Cure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

77110190

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee.  Fee Amount of $244.63 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $244.63 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.

Reviewer Comment (2025-03-27): XXXXX Seller Comment (2025-03-26): XXXXX Reviewer Comment (2025-03-26): XXXXX Seller Comment (2025-03-24): XXXXX Reviewer Comment (2025-03-24): XXXXX Seller Comment (2025-03-21): XXXXX

03/27/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

C

A

C

B

C

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

77110190

XXX

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.

442 is missing.

Reviewer Comment (2025-03-24): XXXXX Seller Comment (2025-03-21): XXXXX

03/24/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

B

C

A

C

B

C

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77110190

XXX

Credit

Insurance

Insurance Analysis

Insurance

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

HOI coverage is insufficient by $46,500.  Provide updated policy reflecting minimum coverage of XXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount.

Reviewer Comment (2025-03-24): XXXXX Seller Comment (2025-03-24): XXXXX

03/24/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

B

C

A

C

B

C

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77110190

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Temporary Buydown Incorrectly Reflected on Disclosure Test

TRID: Terms on CD disclosed incorrectly accounting for lender/seller/third party buydown NOT reflected in the credit contract.

Seller paid buydown subsidy, no buydown subsidy funds paid by borrower.  final CD should not reflect any buydown terms, as not borrower paid, but page 1 Projected payments reflected buydown breakdown incorrectly.

Reviewer Comment (2025-04-14): XXXXX Seller Comment (2025-04-11): XXXXX

04/14/2025

2

B

B

B

B

B

TX

Primary

Purchase

Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery

C

B

C

A

C

B

C

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

77110190

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure APR

TILA-RESPA Integrated Disclosure - Loan Calculations:  APR of XXX% on Final Closing Disclosure provided on XX/XX/XX is under-disclosed from the calculated APR of XXX% outside of 0.125% tolerance.

Finance charge underdisclosed by $XXX.  Final CD reflects seller paid buyodwn subsidy, but appears lender deducted the subsidy from finance charge calculation.  Only borrower paid buydown subsidy should be calculated into finance charge/payments calculation.

Reviewer Comment (2025-04-14): XXXXX Seller Comment (2025-04-11): XXXXX

04/14/2025

2

B

B

B

B

B

TX

Primary

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable

C

B

C

A

C

B

C

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

77110190

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXXX which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX).

Finance charge underdisclosed by $XXX.  Final CD reflects seller paid buyodwn subsidy, but appears lender deducted the subsidy from finance charge calculation.  Only borrower paid buydown subsidy should be calculated into finance charge/payments calculation.

Reviewer Comment (2025-04-14): XXXXX Seller Comment (2025-04-11): XXXXX

04/14/2025

2

B

B

B

B

B

TX

Primary

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable

C

B

C

A

C

B

C

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

77110190

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan.

Seller paid buydown subsidy, no buydown subsidy funds paid by borrower.  final CD should not reflect any buydown terms, as not borrower paid, but page 1 Projected payments reflected buydown breakdown incorrectly. Corrected CD and LOE to borrower.

Reviewer Comment (2025-04-14): XXXXX Seller Comment (2025-04-11): XXXXX

04/14/2025

2

B

B

B

B

B

TX

Primary

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable

C

B

C

A

C

B

C

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

77110190

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan.

Seller paid buydown subsidy, no buydown subsidy funds paid by borrower.  final CD should not reflect any buydown terms, as not borrower paid, but page 1 Projected payments reflected buydown breakdown incorrectly.Corrected CD and LOE to borrower.

Reviewer Comment (2025-04-14): XXXXX Seller Comment (2025-04-11): XXXXX

04/14/2025

2

B

B

B

B

B

TX

Primary

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable

C

B

C

A

C

B

C

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

77110190

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan.

Seller paid buydown subsidy, no buydown subsidy funds paid by borrower.  final CD should not reflect any buydown terms, as not borrower paid, but page 1 Projected payments reflected buydown breakdown incorrectly.Corrected CD and LOE to borrower.

Reviewer Comment (2025-04-14): XXXXX Seller Comment (2025-04-11): XXXXX

04/14/2025

2

B

B

B

B

B

TX

Primary

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable

C

B

C

A

C

B

C

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

74099228

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

02/28/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74099228

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

02/28/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74888384

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

03/14/2025

2

B

B

B

B

B

B

B

B

B

B

NC

Primary

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76747510

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

03/11/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

B

B

B

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76747510

XXX

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-04-22): XXXXX

03/11/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

B

B

B

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

70461645

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

02/26/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Second Home

Purchase

C

B

C

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

70461645

XXX

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-04-22): XXXXX

02/26/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Second Home

Purchase

C

B

C

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

70461645

XXX

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

File is missing a copy of mortgage statement for property address XXXXX

Reviewer Comment (2025-04-01): XXXXX Seller Comment (2025-03-31): XXXXX Reviewer Comment (2025-03-26): XXXXX Seller Comment (2025-03-25): XXXXX Reviewer Comment (2025-02-28): XXXXX Seller Comment (2025-02-27): XXXXX

04/01/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Second Home

Purchase

C

B

C

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

70461645

XXX

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

File is missing a copy of mortgage statement for property address XXXXX:

Reviewer Comment (2025-04-01): XXXXX Seller Comment (2025-03-31): XXXXX Reviewer Comment (2025-03-26): XXXXX Seller Comment (2025-03-25): XXXXX Reviewer Comment (2025-02-28): XXXXX Seller Comment (2025-02-27): XXXXX

04/01/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Second Home

Purchase

C

B

C

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

70461645

XXX

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

Require supporting document to verify remaining amount of $345.73.

Reviewer Comment (2025-04-01): XXXXX

04/01/2025

1

A

A

A

A

A

CA

Second Home

Purchase

C

B

C

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76700117

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

03/19/2025

2

B

B

B

B

B

B

B

B

B

B

UT

Primary

Purchase

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76700117

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower.

Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower

Reviewer Comment (2025-03-26): XXXXX Seller Comment (2025-03-25): XXXXX

03/26/2025

1

C

A

C

A

C

A

C

A

C

A

UT

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

70343762

XXX

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-04-22): XXXXX

03/14/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Second Home

Purchase

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76685247

XXX

Credit

Hazard Insurance

Insufficient Coverage

Hazard Insurance

The Hazard Insurance Policy Effective Date is after closing.

Hazard Insurance Policy Effective Date ___, Disbursement Date: ___

The homeowner's insurance declarations page in the file verified an effective date of XX/XX/XX, which is after the consummation date of XX/XX/XX. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation.

Reviewer Comment (2025-03-10): XXXXX Seller Comment (2025-03-10): XXXXX

03/10/2025

1

C

A

C

A

C

A

C

A

C

A

UT

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74030489

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided

03/24/2025

2

B

B

B

B

B

B

B

B

B

B

ME

Second Home

Purchase

C

B

C

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74030489

XXX

Credit

Credit

Credit Documentation

Credit

Missing Document: Occupancy Certificate not provided

The file is missing a copy of Occupancy Certificate Document.

Reviewer Comment (2025-03-26): XXXXX Seller Comment (2025-03-25): XXXXX

03/26/2025

1

C

A

C

A

C

A

C

A

C

A

ME

Second Home

Purchase

C

B

C

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74030489

XXX

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

The file is missing a copy of Mortgage statement document; mortgage is not reported on credit.

Reviewer Comment (2025-04-07): XXXXX Seller Comment (2025-04-04): XXXXX Reviewer Comment (2025-04-03): XXXXX Seller Comment (2025-04-02): XXXXX Reviewer Comment (2025-04-02): XXXXX Seller Comment (2025-04-01): XXXXX Reviewer Comment (2025-03-26): XXXXX Seller Comment (2025-03-25): XXXXX

04/07/2025

1

C

A

C

A

C

A

C

A

C

A

ME

Second Home

Purchase

C

B

C

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

72139360

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $895.00 exceeds tolerance of $745.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-04-21): XXXXX

04/21/2025

1

A

A

A

A

A

CT

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

72139360

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $120.00 exceeds tolerance of $60.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-04-21): XXXXX

04/21/2025

1

A

A

A

A

A

CT

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

78635266

XXX

Credit

Title

Document Error

Title

The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Reviewer Comment (2025-03-03): XXXXX Seller Comment (2025-02-26): XXXXX

03/03/2025

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75863669

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $1,393.08 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

Loan Discount Points was not disclosed on Loan Estimate.  File does not contain a valid COC for this fee, nor evidence of cure.  Provide a post-close CD disclosing the tolerance cure to include $1,393.08, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2025-02-26): XXXXX Seller Comment (2025-02-24): XXXXX Reviewer Comment (2025-02-24): XXXXX Seller Comment (2025-02-21): XXXXX

02/26/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

75863669

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $XXX exceeds tolerance of $XXX.  Insufficient or no cure was provided to the borrower.

Transfer Tax Fee was last disclosed as $XXon LE but disclosed as $XXX on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $71.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2025-02-26): XXXXX Seller Comment (2025-02-25): XXXXX

02/26/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

75863669

XXX

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

Missing mortgage statement.

Reviewer Comment (2025-02-24): XXXXX Seller Comment (2025-02-24): XXXXX

02/24/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Refinance - Rate/Term

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74218421

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared.

Reviewer Comment (2025-03-03): XXXXX

03/03/2025

1

B

A

C

A

B

A

C

A

B

A

FL

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

74218421

XXX

Credit

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

Guideline Requirement: PITIA reserves months discrepancy.

Verified assets in the amount of $XXX are insufficient to meet the 12 month reserve requirement.  Final 1008 reflects $XXX verified, however, unable to source Earnest Money of  $XXX.

Seller Comment (2025-03-03): XXXXX Reviewer Comment (2025-03-03): XXXXX Seller Comment (2025-02-28): XXXXX Reviewer Comment (2025-02-27): XXXXX Seller Comment (2025-02-25): XXXXX

03/03/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74218421

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor Guidelines Violation

General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.

Reserve requirement not met resulting in failing one or more guideline components, the loan is at QM risk.

Reviewer Comment (2025-03-03): XXXXX

03/03/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

71463822

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $XXX exceeds tolerance of $XXXX.  Insufficient or no cure was provided to the borrower.

Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX Insufficient or no cure was provided to the borrower.

Reviewer Comment (2025-02-26): XXXXX Seller Comment (2025-02-25): XXXXX

02/26/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

71463822

XXX

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-04-22): XXXXX

02/19/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77624467

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

02/19/2025

2

B

B

B

B

B

B

B

B

B

B

WA

Primary

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77624467

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower provided appraisal waiver less than three (3) business days prior to consummation.

Borrower provided appraisal waiver less than three (3) business days prior to consummation.

Reviewer Comment (2025-03-06): XXXXX Reviewer Comment (2025-03-05): XXXXX

03/06/2025

2

B

B

B

B

B

B

B

B

B

B

WA

Primary

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73914395

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $199.55 exceeds tolerance of $160.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-02-19): XXXXX

02/19/2025

1

A

A

A

A

A

A

A

A

A

A

DE

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

70665433

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

03/18/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Refinance - Rate/Term

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

70665433

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - XXXXX

TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of  on Final Closing Disclosure provided on XX/XX/XX are overdisclosed.

Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on XX/XX/XX are overdisclosed.

Reviewer Comment (2025-03-25): XXXXX Seller Comment (2025-03-24): XXXXX Reviewer Comment (2025-03-20): XXXXX Seller Comment (2025-03-19): XXXXX

03/25/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Refinance - Rate/Term

Letter of Explanation & Corrected Closing Disclosure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

70665433

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - XXXXX

TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of  on Final Closing Disclosure provided on XX/XX/XX are underdisclosed.

Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on XX/XX/XX are underdisclosed.

Reviewer Comment (2025-03-25): XXXXX Seller Comment (2025-03-24): XXXXX Reviewer Comment (2025-03-20): XXXXX Seller Comment (2025-03-19): XXXXX

03/25/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Refinance - Rate/Term

Letter of Explanation & Corrected Closing Disclosure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

70665433

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Total Of Payments

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX).  The disclosed Total of Payments in the amount of $XXX is under disclosed by $398.00 compared to the calculated total of payments of $XXXX which exceeds the $35.00 threshold.

Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). The disclosed Total of Payments in the amount of $XXX is under disclosed by $398.00 compared to the calculated total of payments of $XXX which exceeds the $35.00 threshold.

Reviewer Comment (2025-04-16): XXXXX Seller Comment (2025-04-14): XXXXX Reviewer Comment (2025-04-14): XXXXX Seller Comment (2025-04-11): XXXXX Reviewer Comment (2025-04-11): XXXXX Seller Comment (2025-04-10): XXXXX Reviewer Comment (2025-03-25): XXXXX Seller Comment (2025-03-24): XXXXX Reviewer Comment (2025-03-20): XXXXX Seller Comment (2025-03-19): XXXXX

04/16/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Refinance - Rate/Term

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

70665433

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Will Have Escrow Account

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.

Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.

Reviewer Comment (2025-03-25): XXXXX Seller Comment (2025-03-24): XXXXX Reviewer Comment (2025-03-20): XXXXX Seller Comment (2025-03-19): XXXXX

03/25/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Refinance - Rate/Term

Letter of Explanation & Corrected Closing Disclosure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

70665433

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Will Not Have Escrow Account

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.

Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.

Reviewer Comment (2025-03-25): XXXXX Seller Comment (2025-03-24): XXXXX Reviewer Comment (2025-03-20): XXXXX Seller Comment (2025-03-19): XXXXX

03/25/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Refinance - Rate/Term

Letter of Explanation & Corrected Closing Disclosure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

79772906

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $92.70 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file

Reviewer Comment (2025-03-13): XXXXX

03/13/2025

1

A

A

A

A

A

A

A

A

A

A

CO

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

74043761

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $950.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

Survey Fee was last disclosed as $0.00 on LE but disclosed as $950.00 on Final Closing Disclosure. File does contain a valid COC for this fee, cure was provided to the borrower at Closing.

Reviewer Comment (2025-04-03): XXXXX

04/03/2025

1

A

A

A

A

A

A

A

A

A

A

FL

Second Home

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

78019731

XXX

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

Policy coverage is less than Original Loan Amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-04-22): XXXXX

03/13/2025

2

B

B

B

B

B

B

B

B

B

B

AZ

Primary

Purchase

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

78019731

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $123.60 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-03-11): XXXXX

03/11/2025

1

A

A

A

A

A

A

A

A

A

A

AZ

Primary

Purchase

Final CD evidences Cure

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

71260198

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

03/24/2025

2

B

B

B

B

B

B

B

B

B

B

TN

Primary

Refinance - Cash-out - Other

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74395069

XXX

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-05-22): XXXXX

04/03/2025

2

B

B

B

B

B

B

B

B

B

B

WA

Primary

Purchase

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74395069

XXX

Credit

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Missing Document: Appraisal not provided

Per guidelines loan amounts > $XXXXX require a 2nd full appraisal. Loan amount is $XXXXX.

Reviewer Comment (2025-04-28): XXXXX Reviewer Comment (2025-04-24): XXXXX

04/28/2025

1

A

A

A

A

A

WA

Primary

Purchase

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73866149

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

Reviewer Comment (2024-12-12): XXXXX Buyer Comment (2024-12-11): XXXXX

12/12/2024

1

B

A

B

A

B

A

B

A

B

A

MA

Primary

Refinance - Rate/Term

B

A

A

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79281776

XXX

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $XXXXX is less than the note amount of $XXXXX based on the Commitment in file.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-03-20): XXXXX Reviewer Comment (2025-01-07): XXXXX Buyer Comment (2025-01-03): XXXXX Reviewer Comment (2024-12-27): XXXXX Buyer Comment (2024-12-26): XXXXX

01/07/2025

1

B

A

B

A

B

A

B

A

B

A

RI

Second Home

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79281776

XXX

Credit

Documents

Missing Document

Documents

File does not contain documentation from lender/seller confirming the condo is warrantable.

Lender/seller confirming the condo is warrantable document is missing.

Reviewer Comment (2024-12-27): XXXXX Buyer Comment (2024-12-27): XXXXX

12/27/2024

1

C

A

C

A

C

A

C

A

C

A

RI

Second Home

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79281776

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

Appraisal Re-Inspection Fee was disclosed  $400.00 on Initial LE and $175.00 on Final CD. File does not contain a valid COC for this fee, Insufficient or no cure was provided to the borrower.

Reviewer Comment (2025-01-13): XXXXX Buyer Comment (2025-01-09): XXXXX

01/13/2025

1

C

A

C

A

C

A

C

A

C

A

RI

Second Home

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

77052827

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

04/07/2025

2

B

B

B

B

B

B

B

B

B

B

GA

Second Home

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

70770925

XXX

Credit

Credit

Credit Eligibility

Credit

Delinquent government debts with no payment arrangements.

AUS required evidence the IRS taxes owed in the amount of $1749.39 were documented to have been paid, documentation is missing from loan file.

Reviewer Comment (2025-04-22): XXXXX Seller Comment (2025-04-21): XXXXX Seller Comment (2025-04-16): XXXXX

04/22/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Rate/Term

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75394174

XXX

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-05-22): XXXXX

04/14/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Second Home

Refinance - Rate/Term

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73772792

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

04/14/2025

2

B

B

B

B

B

B

B

B

B

B

WA

Primary

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73772792

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

04/14/2025

2

B

B

B

B

B

B

B

B

B

B

WA

Primary

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

71602791

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

04/08/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Refinance - Rate/Term

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76891821

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee.  Fee Amount of $433.00 exceeds tolerance of $200.00.  Insufficient or no cure was provided to the borrower.

Home Inspection Fee was last disclosed as $200.00 on LE but disclosed as $433.00.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $233.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2025-03-13): XXXXX Seller Comment (2025-03-12): XXXXX Reviewer Comment (2025-03-11): XXXXX Seller Comment (2025-03-10): XXXXX

03/13/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Second Home

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

77084978

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $100.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-03-24): XXXXX

03/24/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

77084978

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $40.00 exceeds tolerance of $30.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-03-24): XXXXX

03/24/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

75389389

XXX

Credit

Income / Employment

Income Documentation

Income / Employment

The verification of employment is required and was not found in file.

The file was missing a copy of the verification of employment is required and was not found in file.

Reviewer Comment (2025-03-28): XXXXX Seller Comment (2025-03-27): XXXXX

03/28/2025

1

C

A

C

A

C

A

C

A

C

A

VA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75389389

XXX

Credit

Income / Employment

Income Documentation

Income / Employment

Verification(s) of employment is not within 10 business days of the Note.

The file was missing a copy of the Verification(s) of employment is not within 10 business days of the Note.

Reviewer Comment (2025-03-31): XXXXX Seller Comment (2025-03-31): XXXXX

03/31/2025

1

C

A

C

A

C

A

C

A

C

A

VA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74750407

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

03/07/2025

2

B

B

B

B

B

B

B

B

B

B

IL

Primary

Purchase

C

B

C

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74750407

XXX

Credit

Documents

Missing Document

Documents

File does not contain documentation from lender/seller confirming the condo is warrantable.

File does not contain documentation from lender/seller confirming the condo is warrantable.

Reviewer Comment (2025-03-14): XXXXX Seller Comment (2025-03-13): XXXXX Reviewer Comment (2025-03-13): XXXXX Seller Comment (2025-03-12): XXXXX

03/14/2025

1

C

A

C

A

C

A

C

A

C

A

IL

Primary

Purchase

C

B

C

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73099365

XXX

Credit

Missing Document

General

Missing Document

Missing Document: Verification of Non-US Citizen Status not provided

Borrower is Permanent Resident Alien, however borrower resident identification missing on file

Reviewer Comment (2025-03-21): XXXXX Seller Comment (2025-03-21): XXXXX

03/21/2025

1

C

A

C

A

C

A

C

A

C

A

NC

Primary

Purchase

C

B

C

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73099365

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

03/20/2025

2

B

B

B

B

B

B

B

B

B

B

NC

Primary

Purchase

C

B

C

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73099365

XXX

Compliance

Compliance

Federal Compliance

Missing Non-Required Data

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

The file is missing a copy of the Rate lock document.

03/20/2025

2

B

B

B

B

B

B

B

B

B

B

NC

Primary

Purchase

C

B

C

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73099365

XXX

Credit

Credit

General

Credit

Initial Rate Lock rate date is not documented in file.

The file is missing a copy of Rate Lock document.

Reviewer Comment (2025-03-21): XXXXX Seller Comment (2025-03-21): XXXXX

03/21/2025

1

C

A

C

A

C

A

C

A

C

A

NC

Primary

Purchase

C

B

C

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73099365

XXX

Credit

Document Inventory

General

Missing Document

Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present.

The file was missing verification of the borrower(s) Taxpayer Consent documentation.

Reviewer Comment (2025-03-21): XXXXX Seller Comment (2025-03-21): XXXXX

03/21/2025

1

B

A

B

A

B

A

B

A

B

A

NC

Primary

Purchase

C

B

C

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

72934990

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee.  Fee Amount of $308.00 exceeds tolerance of $154.00.  Insufficient or no cure was provided to the borrower.

Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $308.00 exceeds tolerance of $154.00. Insufficient or no cure was provided to the borrower.

Reviewer Comment (2025-04-21): XXXXX Seller Comment (2025-04-18): XXXXX

04/21/2025

1

C

A

C

A

C

A

C

A

C

A

IL

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

71186060

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

04/08/2025

2

B

B

B

B

B

B

B

B

B

B

TX

Primary

Refinance - Rate/Term

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75506598

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $800.00 exceeds tolerance of $675.00.  Sufficient or excess cure was provided to the borrower at Closing.

Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $675.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-03-05): XXXXX

03/05/2025

1

A

A

A

A

A

A

A

A

A

A

NJ

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

71859430

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided

03/26/2025

2

B

B

B

B

B

B

B

B

B

B

NC

Primary

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

71752944

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

Reviewer Comment (2025-04-23): XXXXX Seller Comment (2025-04-18): XXXXX Reviewer Comment (2025-04-18): XXXXX Seller Comment (2025-04-11): XXXXX

04/23/2025

1

B

A

C

A

B

A

C

A

B

A

FL

Primary

Purchase

Lender to provide updated ATR/QM status

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

71752944

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Schedule C

General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.

Third party business verification was missing for the Schedule C business XXXXX.

Reviewer Comment (2025-04-15): XXXXX Seller Comment (2025-04-11): XXXXX

04/15/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

71752944

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

04/10/2025

2

B

B

B

B

B

B

B

B

B

B

FL

Primary

Purchase

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75657976

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Interim Closing Disclosure Timing Test

TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after XX/XX/XX contains a change in loan product and was not received by borrower at least three (3) business days prior to consummation.

Corrected Closing Disclosure provided on or after XX/XX/XX contains a change in loan product and was not received by borrower at least three (3) business days prior to consummation.

Reviewer Comment (2025-03-30): XXXXX Seller Comment (2025-03-27): XXXXX

03/30/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

TRID timing exception, no remediation available.

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73956729

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

QM Points and Fees XXXXX

Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of  XXX% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXX or XXX%).

XXXXX Points and Fees exceed allowable threshold by an average of  $XXX or XXXX%.

Reviewer Comment (2025-04-25): XXXXX Seller Comment (2025-04-25): XXXXX Reviewer Comment (2025-04-22): XXXXX Seller Comment (2025-04-15): XXXXX

04/25/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73956729

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

Reviewer Comment (2025-04-25): XXXXX Seller Comment (2025-04-22): XXXXX Reviewer Comment (2025-04-22): XXXXX Seller Comment (2025-04-15): XXXXX Reviewer Comment (2025-04-09): XXXXX Seller Comment (2025-04-04): XXXXX

04/25/2025

1

B

A

C

A

B

A

C

A

B

A

CA

Primary

Purchase

Lender to provide updated ATR/QM status

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

73956729

XXX

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-05-22): XXXXX

04/03/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77562250

XXX

Credit

Asset

Asset Calculation / Analysis

Asset

AUS Findings: Available for Reserves discrepancy.

Calculated Available for Reserves of $2,079.92 is less than AUS Available for Reserves of $4,588.92.

Reviewer Comment (2025-03-18): XXXXX Seller Comment (2025-03-18): XXXXX Reviewer Comment (2025-03-17): XXXXX Seller Comment (2025-03-14): XXXXX Reviewer Comment (2025-03-14): XXXXX Seller Comment (2025-03-13): XXXXX

03/18/2025

1

C

A

C

A

C

A

C

A

C

A

MA

Second Home

Purchase

C

B

C

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77562250

XXX

Credit

Asset

Asset Calculation / Analysis

Asset

Guideline Requirement: Available for Reserves discrepancy.

Calculated Available for Reserves of $2,079.92 is less than AUS Available for Reserves of $4,588.92.

Reviewer Comment (2025-03-18): XXXXX Reviewer Comment (2025-03-17): XXXXX Seller Comment (2025-03-14): XXXXX Reviewer Comment (2025-03-14): XXXXX Seller Comment (2025-03-13): XXXXX

03/18/2025

1

C

A

C

A

C

A

C

A

C

A

MA

Second Home

Purchase

C

B

C

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77562250

XXX

Compliance

Compliance

State Compliance

Misc. State Level

Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified)

XXXXX Mortgage Lender and Broker Regulation:  File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable

XXXXX Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable

Reviewer Comment (2025-03-13): XXXXX

03/13/2025

2

B

B

B

B

B

B

B

B

B

B

MA

Second Home

Purchase

C

B

C

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77562250

XXX

Credit

Missing Document

General

Missing Document

Missing Document: Source of Funds/Deposit not provided

Gift of equity was not supported with documentation.

Reviewer Comment (2025-03-18): XXXXX Reviewer Comment (2025-03-17): XXXXX Seller Comment (2025-03-14): XXXXX Reviewer Comment (2025-03-14): XXXXX Seller Comment (2025-03-13): XXXXX

03/18/2025

1

C

A

C

A

C

A

C

A

C

A

MA

Second Home

Purchase

C

B

C

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

71790608

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

04/14/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Second Home

Purchase

C

B

C

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

71790608

XXX

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-05-22): XXXXX

04/14/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Second Home

Purchase

C

B

C

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

71790608

XXX

Credit

Insurance

Insurance Analysis

Insurance

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

HOI coverage is insufficient by $440,800.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount.

Reviewer Comment (2025-04-15): XXXXX Seller Comment (2025-04-15): XXXXX

04/15/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Second Home

Purchase

C

B

C

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77129298

XXX

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-05-22): XXXXX

04/23/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77129298

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $205.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower.

Reviewer Comment (2025-04-18): XXXXX

04/18/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35)

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

77129298

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $205.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-04-18): XXXXX

04/18/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

74784608

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $7,263.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $7,263.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower

Reviewer Comment (2025-04-07): XXXXX

04/07/2025

1

C

A

C

A

C

A

C

A

C

A

DE

Second Home

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

72449414

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Appraisal delivery confirmation is dated after the Note date.

04/15/2025

2

B

B

B

B

B

B

B

B

B

B

ID

Primary

Purchase

C

B

C

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

72449414

XXX

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

Missing Document: Missing Final 1003

Final 1003 not provided.

Reviewer Comment (2025-04-30): XXXXX Seller Comment (2025-04-29): XXXXX Reviewer Comment (2025-04-22): XXXXX Seller Comment (2025-04-22): XXXXX Reviewer Comment (2025-04-18): XXXXX

04/30/2025

1

C

A

C

A

C

A

C

A

C

A

ID

Primary

Purchase

C

B

C

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

78783585

XXX

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-05-22): XXXXX

04/09/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73185258

XXX

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36

The file is missing a copy of the secondary valuation required for securitization purposes.

Reviewer Comment (2025-03-27): XXXXX Seller Comment (2025-03-26): XXXXX

03/27/2025

1

D

A

B

A

D

A

C

A

D

A

AZ

Primary

Purchase

D

B

A

A

A

A

D

B

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73185258

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $265.00 exceeds tolerance of $198.00.  Sufficient or excess cure was provided to the borrower at Closing.

Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $265.00 exceeds tolerance of $198.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-03-11): XXXXX

03/11/2025

1

A

A

A

A

A

A

A

A

A

A

AZ

Primary

Purchase

Final CD evidences Cure

D

B

A

A

A

A

D

B

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

73185258

XXX

Property

Appraisal Reconciliation

Value Discrepancy

Appraisal Reconciliation

Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89

Note Date:  ___; Lien Position: ___

The file is missing a copy of the secondary valuation required for securitization purposes.

Reviewer Comment (2025-04-01): XXXXX Reviewer Comment (2025-03-31): XXXXX Seller Comment (2025-03-27): XXXXX

04/01/2025

2

B

B

B

B

B

AZ

Primary

Purchase

D

B

A

A

A

A

D

B

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

70818727

XXX

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-05-22): XXXXX

04/14/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79099730

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.

Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.

Reviewer Comment (2025-03-31): XXXXX Seller Comment (2025-03-28): XXXXX

03/31/2025

1

C

A

C

A

C

A

C

A

C

A

NY

Primary

Purchase

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

70330109

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

04/23/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

B

B

B

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

70330109

XXX

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-05-22): XXXXX

04/23/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

B

B

B

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77809577

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

04/08/2025

2

B

B

B

B

B

B

B

B

B

B

IL

Primary

Purchase

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77809577

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $685.00 exceeds tolerance of $585.00.  Insufficient or no cure was provided to the borrower.

Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $685.00 exceeds tolerance of $585.00. Insufficient or no cure was provided to the borrower.

Reviewer Comment (2025-04-23): XXXXX Seller Comment (2025-04-22): XXXXX Reviewer Comment (2025-04-15): XXXXX Seller Comment (2025-04-14): XXXXX

04/23/2025

1

C

A

C

A

C

A

C

A

C

A

IL

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

77809577

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee.  Fee Amount of $458.00 exceeds tolerance of $150.00.  Insufficient or no cure was provided to the borrower.

Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $458.00 exceeds tolerance of $150.00. Sufficient cure of $308 was provided to the borrower.

Reviewer Comment (2025-04-15): XXXXX Seller Comment (2025-04-14): XXXXX

04/15/2025

1

C

A

C

A

C

A

C

A

C

A

IL

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

77809577

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee.  Fee Amount of $458.00 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-04-23): XXXXX

04/23/2025

1

A

A

A

A

A

IL

Primary

Purchase

Final CD evidences Cure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

70499504

XXX

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: AUS not provided

AUS is missing from file

Reviewer Comment (2025-04-25): XXXXX Seller Comment (2025-04-25): XXXXX Reviewer Comment (2025-04-24): XXXXX Seller Comment (2025-04-24): XXXXX

04/25/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Rate/Term

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

70499504

XXX

Credit

Legal / Regulatory / Compliance

Title / Lien Defect

Legal / Regulatory / Compliance

Final Title Policy is missing. No evidence of title in file.

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Reviewer Comment (2025-04-24): XXXXX Seller Comment (2025-04-24): XXXXX

04/24/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Rate/Term

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

70499504

XXX

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-05-22): XXXXX

04/24/2025

2

B

B

B

B

B

CA

Primary

Refinance - Rate/Term

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

70499504

XXX

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided

1008 in file reflects does not match loan amount with note document.

Reviewer Comment (2025-04-28): XXXXX Seller Comment (2025-04-28): XXXXX Reviewer Comment (2025-04-25): XXXXX Seller Comment (2025-04-25): XXXXX

04/28/2025

1

A

A

A

A

A

CA

Primary

Refinance - Rate/Term

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

71320583

XXX

Credit

Disclosure

Missing Document

Disclosure

E-sign Consent Agreement is missing.

E-sign Consent Agreement is missing

Reviewer Comment (2025-01-14): XXXXX Buyer Comment (2025-01-13): XXXXX

01/14/2025

1

C

A

C

A

C

A

C

A

C

A

AZ

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

71320583

XXX

Credit

Asset

Asset Documentation

Asset

Missing Document: Gift Letter not provided

Provided gift Letter is not signed, required signed gift letter. Gift donor, per LOE is non-borrower co-mortgagor spouse.

Reviewer Comment (2025-02-10): XXXXX Buyer Comment (2025-02-07): XXXXX Reviewer Comment (2025-01-24): XXXXX Buyer Comment (2025-01-24): XXXXX Reviewer Comment (2025-01-23): XXXXX Buyer Comment (2025-01-22): XXXXX Reviewer Comment (2025-01-17): XXXXX Buyer Comment (2025-01-17): XXXXX Reviewer Comment (2025-01-14): XXXXX Buyer Comment (2025-01-13): XXXXX

02/10/2025

1

C

A

C

A

C

A

C

A

C

A

AZ

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

71320583

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Amount Financed Test

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $310.00 compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX).

Finance Charge disclosed is $XXX Calculated finance charge is $XXX Variance of $310.00 HOA accounting setup fee not included

Reviewer Comment (2025-01-29): XXXXX Buyer Comment (2025-01-28): XXXXX Reviewer Comment (2025-01-27): XXXXX Buyer Comment (2025-01-24): XXXXX

01/29/2025

1

C

A

C

A

C

A

C

A

C

A

AZ

Primary

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

71320583

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $XXXX is under disclosed by $310.00 compared to the calculated Finance Charge of $XXXX which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX).

Finance Charge disclosed is $XXX Calculated finance charge is $XXXX Variance of $310.00 HOA accounting setup fee not included

Reviewer Comment (2025-01-29): XXXXX Buyer Comment (2025-01-28): XXXXX Reviewer Comment (2025-01-27): XXXXX Buyer Comment (2025-01-24): XXXXX

01/29/2025

1

C

A

C

A

C

A

C

A

C

A

AZ

Primary

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

71320583

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee.  Fee Amount of $XXX exceeds tolerance of $XXX.  Sufficient or excess cure was provided to the borrower at Closing.

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

Reviewer Comment (2025-01-07): XXXXX

01/07/2025

1

A

A

A

A

A

A

A

A

A

A

AZ

Primary

Purchase

Final CD evidences Cure

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

71320583

XXX

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Discrepancy on the monthly property tax amount on the Final CD page 2 listing the monthly amount for property taxes impounded in Section G as $248.51 and the First Payment Letter lists $XXXXX for the monthly property tax amount. Tax Cert the property tax amount is listed as $XXXXX(which is the correct amount).

Reviewer Comment (2025-01-15): XXXXX Buyer Comment (2025-01-13): XXXXX

01/15/2025

1

A

A

A

A

A

AZ

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76038658

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

03/28/2025

2

B

B

B

B

B

B

B

B

B

B

OR

Second Home

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76851317

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

04/15/2025

2

B

B

B

B

B

B

B

B

B

B

WA

Primary

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76784279

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

QM Points and Fees XXXXX

Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of XXX0% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXX or .XXXX%).

QM Points and Fees threshold exceeded by $XXX XXXX%. Loan was consummated after XX/XX/XX. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations.

Reviewer Comment (2025-04-11): XXXXX Seller Comment (2025-04-08): XXXXX

04/11/2025

1

C

A

C

A

C

A

C

A

C

A

MA

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76784279

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

Loan designation failure due to ATR failure.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.

Reviewer Comment (2025-04-11): XXXXX

04/11/2025

1

B

A

C

A

B

A

C

A

B

A

MA

Primary

Refinance - Cash-out - Other

Lender to provide updated ATR/QM status

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

76784279

XXX

Credit

Asset

Asset Calculation / Analysis

Asset

AUS Findings: Available for Reserves discrepancy.

Calculated Available for Reserves of $9,426.06 is less than AUS Available for Reserves of $17,324.58. Unable to confirm other liquid assets of $13,000.00.

Reviewer Comment (2025-04-30): XXXXX Seller Comment (2025-04-29): XXXXX

04/30/2025

1

C

A

C

A

C

A

C

A

C

A

MA

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76784279

XXX

Credit

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

AUS Findings: Qualifying asset balance discrepancy.

Verified liquid assets in the amount of $15,003.48  are insufficient to meet cash to close of $20,662.70.  Unable to confirm other liquid assets $13,000.00

Reviewer Comment (2025-04-30): XXXXX Seller Comment (2025-04-29): XXXXX

04/30/2025

1

C

A

C

A

C

A

C

A

C

A

MA

Primary

Refinance - Cash-out - Other

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

73877888

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

04/30/2025

2

B

B

B

B

B

B

B

B

B

B

WA

Primary

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79662985

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $205.00 exceeds tolerance of $175.00.  Sufficient or excess cure was provided to the borrower at Closing.

Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $205.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-04-22): XXXXX

04/22/2025

1

A

A

A

A

A

A

A

A

A

A

MA

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

73455947

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX.  Insufficient or no cure was provided to the borrower.

10%tolerance was exceeded by $XXX due to increase of Recording fee in CD.  No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2025-05-02): XXXXX Seller Comment (2025-05-01): XXXXX Seller Comment (2025-04-30): XXXXX Reviewer Comment (2025-04-29): XXXXX Seller Comment (2025-04-28): XXXXX Reviewer Comment (2025-04-24): XXXXX Seller Comment (2025-04-23): XXXXX

05/02/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

77708824

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $500.00.  Insufficient or no cure was provided to the borrower.

Appraisal fee as per the loan estimate of $500 and as per the closing disclosure $850.00, file does not contain valid COC or no cure was provided to the borrower.

Reviewer Comment (2025-04-29): XXXXX Buyer Comment (2025-04-28): XXXXX Reviewer Comment (2025-04-24): XXXXX Buyer Comment (2025-04-23): XXXXX

04/29/2025

2

C

B

C

B

C

B

C

B

C

B

TX

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

74870982

XXX

Credit

Income / Employment

Income Documentation

Income / Employment

Income documentation requirements not met.

Third party verification is missing for XXXXX for both borrower & co-borrower.

Reviewer Comment (2025-04-28): XXXXX Reviewer Comment (2025-04-15): XXXXX

04/28/2025

1

C

A

C

A

C

A

C

A

C

A

OH

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74870982

XXX

Credit

Missing Document

General

Missing Document

Missing Document: Evidence of Access to Funds not provided

File is missing evidence the use of business funds in the XXXXX accounts will not have an affect on the business operations or a recent 3 month cash flow analysis as required by lender guides.

Reviewer Comment (2025-04-28): XXXXX

04/28/2025

1

C

A

C

A

C

A

C

A

C

A

OH

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74870982

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

Failure due to missing third party verification as required per lender guides for XXXXX.

Reviewer Comment (2025-04-28): XXXXX Buyer Comment (2025-04-24): XXXXX Reviewer Comment (2025-04-22): XXXXX Buyer Comment (2025-04-18): XXXXX Reviewer Comment (2025-04-18): XXXXX Buyer Comment (2025-04-17): XXXXX

04/28/2025

1

B

A

C

A

B

A

C

A

B

A

OH

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

74870982

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Partnership

General QM: Unable to verify current Partnership status using reasonably reliable third-party records.

Failure due to missing third party verification as required per lender guides for XXXXX.

Reviewer Comment (2025-04-28): XXXXX Buyer Comment (2025-04-24): XXXXX Reviewer Comment (2025-04-22): XXXXX Buyer Comment (2025-04-18): XXXXX Reviewer Comment (2025-04-18): XXXXX Buyer Comment (2025-04-17): XXXXX

04/28/2025

1

C

A

C

A

C

A

C

A

C

A

OH

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74870982

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Partnership

General QM: Unable to verify current Partnership status using reasonably reliable third-party records.

Failure due to missing third party verification as required per lender guides for XXXXX.

Reviewer Comment (2025-04-28): XXXXX Buyer Comment (2025-04-24): XXXXX Reviewer Comment (2025-04-22): XXXXX Buyer Comment (2025-04-18): XXXXX Reviewer Comment (2025-04-18): XXXXX Buyer Comment (2025-04-17): XXXXX

04/28/2025

1

C

A

C

A

C

A

C

A

C

A

OH

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74870982

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor Guidelines Violation

General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.

Failure due to missing third party verification as required per lender guides for XXXXX.

Reviewer Comment (2025-04-28): XXXXX Reviewer Comment (2025-04-22): XXXXX Buyer Comment (2025-04-18): XXXXX Reviewer Comment (2025-04-18): XXXXX Buyer Comment (2025-04-17): XXXXX

04/28/2025

1

C

A

C

A

C

A

C

A

C

A

OH

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

74870982

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Income/Asset Guideline Deficiency - QM Impact

General QM:  There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.)

Failure due to missing third party verification as required per lender guides for XXXXX.

Reviewer Comment (2025-04-28): XXXXX Buyer Comment (2025-04-24): XXXXX Reviewer Comment (2025-04-22): XXXXX Buyer Comment (2025-04-18): XXXXX Reviewer Comment (2025-04-18): XXXXX Buyer Comment (2025-04-17): XXXXX

04/28/2025

1

C

A

C

A

C

A

C

A

C

A

OH

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76332471

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

04/30/2025

2

B

B

B

B

B

B

B

B

B

B

WA

Primary

Refinance - Rate/Term

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76332471

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

04/30/2025

2

B

B

B

B

B

B

B

B

B

B

WA

Primary

Refinance - Rate/Term

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79507471

XXX

Credit

Insurance

Insurance Analysis

Insurance

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Hazard insurance coverage is insufficient by $96,000. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount.

Reviewer Comment (2025-04-25): XXXXX Seller Comment (2025-04-25): XXXXX

04/25/2025

1

C

A

C

A

C

A

C

A

C

A

KY

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76717193

XXX

Credit

Insurance

Insurance Analysis

Insurance

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

HOI coverage is insufficient by $533,782.00. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount.

Reviewer Comment (2025-04-25): XXXXX Buyer Comment (2025-04-24): XXXXX

04/25/2025

1

C

A

C

A

C

A

C

A

C

A

NC

Primary

Refinance - Rate/Term

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76717193

XXX

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Lender exception provided: requesting exception to use 6m reserves vs 9m

Reviewer Comment (2025-04-29): XXXXX Buyer Comment (2025-04-25): XXXXX

04/29/2025

1

C

A

C

A

C

A

C

A

C

A

NC

Primary

Refinance - Rate/Term

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

72154695

XXX

Credit

Disclosure

Missing Document

Disclosure

E-sign Consent Agreement is missing.

Reviewer Comment (2025-03-10): XXXXX Buyer Comment (2025-03-07): XXXXX

03/10/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

72154695

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $900.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower at Closing.

Appraisal fee amount of $900.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-03-04): XXXXX

03/04/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

71955021

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.

Reviewer Comment (2025-03-27): XXXXX Buyer Comment (2025-03-26): XXXXX

03/27/2025

1

C

A

C

A

C

A

C

A

C

A

CO

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

78115224

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $695.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

Survey Fee was last disclosed as Title - Survey Fee on Loan Estimate but is not paid to same provider as title fees on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee and no cure provided at closing.

Reviewer Comment (2025-03-31): XXXXX Buyer Comment (2025-03-28): XXXXX

03/31/2025

1

C

A

C

A

C

A

C

A

C

A

FL

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

75049308

XXX

Credit

Credit

Credit Documentation

Credit

No evidence of fraud report in file

Fraud report missing

Reviewer Comment (2025-03-12): XXXXX Buyer Comment (2025-03-12): XXXXX

03/12/2025

1

C

A

C

A

C

A

C

A

C

A

IL

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77366635

XXX

Credit

Credit

Credit Documentation

Credit

No evidence of fraud report in file

Reviewer Comment (2025-03-24): XXXXX Buyer Comment (2025-03-24): XXXXX

03/24/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Second Home

Purchase

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77366635

XXX

Credit

Missing Document

General

Missing Document

Incomplete Document: Note - Subject Lien is incomplete

Note provided is missing page 2 of 3.

Reviewer Comment (2025-03-24): XXXXX Buyer Comment (2025-03-24): XXXXX

03/24/2025

1

D

A

D

A

D

A

D

A

D

A

NJ

Second Home

Purchase

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77366635

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Missing evidence the appraisal was provided three (3) business days prior to closing.

Reviewer Comment (2025-03-24): XXXXX

03/24/2025

1

B

A

B

A

B

A

B

A

B

A

NJ

Second Home

Purchase

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77366635

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Missing evidence the appraisal was provided three (3) business days prior to closing.

Reviewer Comment (2025-03-24): XXXXX Buyer Comment (2025-03-24): XXXXX

03/24/2025

1

B

A

B

A

B

A

B

A

B

A

NJ

Second Home

Purchase

D

A

D

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

70176091

XXX

Credit

Missing Document

General

Missing Document

Missing Document: Trust Agreement (Asset) not provided

Trust Agreement (Asset) is missing for XXXXX.

Reviewer Comment (2025-03-07): XXXXX Buyer Comment (2025-03-07): XXXXX

03/07/2025

1

C

A

C

A

C

A

C

A

C

A

UT

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

70176091

XXX

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Borrower took out a balloon note to use as down payment on subject loan. There is no documentation in the file showing the expense as the note does not list the payment. The final 1003 does not show the loan with The Loan Store or any expense associated. Provide documentation as to any monthly payment if loan is not refinanced at balloon term due on XX/XX/XX. Loan terms do not address what happens if loan is not repaid by balloon .

Reviewer Comment (2025-03-11): XXXXX Buyer Comment (2025-03-07): XXXXX

03/11/2025

1

A

A

A

A

A

UT

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

72779065

XXX

Credit

Guideline

Guideline Issue

Guideline

Missing required Transcripts (1040).

Provide XXXXX 1040 Transcripts, rental income was considered.

Reviewer Comment (2025-03-20): XXXXX Buyer Comment (2025-03-20): XXXXX

03/20/2025

1

C

A

C

A

C

A

C

A

C

A

OR

Second Home

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76898336

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $884.80 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower at Closing.

Appraisal Fee was disclosed as $750.00 on Final LE and $884.80 in Final CD, Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-03-14): XXXXX

03/14/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

76898336

XXX

Credit

Guideline

Guideline Issue

Guideline

Missing required Transcripts (1040).

Borrower: XXXXX wages income qualified by 1-year average income 1 year W-2 transcripts -XXXXX has been provided. Per guideline, we need additional 1 year Transcript for XXXXX or no record found

Reviewer Comment (2025-03-20): XXXXX Buyer Comment (2025-03-20): XXXXX

03/20/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76898336

XXX

Credit

Asset

Asset Documentation

Asset

Guideline Issue:Insufficient asset documentation.

2 months bank statement are required and only 1 month was provided, provide an additional 1-month bank statement for XXXXX account ending with XXXXX.

Reviewer Comment (2025-03-25): XXXXX Buyer Comment (2025-03-24): XXXXX Reviewer Comment (2025-03-20): XXXXX Buyer Comment (2025-03-20): XXXXX

03/25/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76958208

XXX

Credit

Guideline

Guideline Issue

Guideline

Missing required Transcripts (1040).

Borrower: XXXXX - Income is calculated by 2 year + YTD wages. Borrower provided XXXXX and XXXXX W-2 Transcripts. MS

Reviewer Comment (2025-04-01): XXXXX Buyer Comment (2025-04-01): XXXXX Reviewer Comment (2025-03-28): XXXXX Buyer Comment (2025-03-28): XXXXX

04/01/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75572139

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $199.00 exceeds tolerance of $156.00.  Sufficient or excess cure was provided to the borrower at Closing.

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

Reviewer Comment (2025-03-24): XXXXX

03/24/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

76226371

XXX

Credit

Credit

Credit Documentation

Guideline

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Require verification of rental residence history for borrowers current address "XXXXX" and Previous address " XXXXX" as per guide.

Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than or equal to 70%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680.

SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

Reviewer Comment (2025-04-22): XXXXX Buyer Comment (2025-04-22): XXXXX

04/22/2025

2

C

B

C

B

C

B

C

B

C

B

NJ

Primary

Purchase

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76226371

XXX

Credit

Documents

Missing Document

Documents

File does not contain documentation from lender/seller confirming the condo is warrantable.

Require project approval for "XXXXX from XXXXX.

Buyer Comment (2025-03-27): XXXXX Reviewer Comment (2025-03-27): XXXXX Reviewer Comment (2025-03-26): XXXXX Buyer Comment (2025-03-25): XXXXX

03/27/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Primary

Purchase

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76226371

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXX exceeds tolerance of $XXX plus 10% or $XXX.  Insufficient or no cure was provided to the borrower.

10% tolerance was exceeded. COC'c provided for title fees were not valid. Cure not provided.

Reviewer Comment (2025-03-28): XXXXX Buyer Comment (2025-03-27): XXXXX

03/28/2025

2

C

B

C

B

C

B

C

B

C

B

NJ

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

76226371

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee.  Fee Amount of $425.00 exceeds tolerance of $300.00.  Insufficient or no cure was provided to the borrower.

Cure provided at closing, this exception will be cleared when all other TRID issues have been resolved.

Reviewer Comment (2025-03-28): XXXXX Buyer Comment (2025-03-27): XXXXX

03/28/2025

2

C

B

C

B

C

B

C

B

C

B

NJ

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

C

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

75910406

XXX

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2

CDA is required and was not provided. Collateral Underwriting Score is 2.7. MS

Reviewer Comment (2025-04-29): XXXXX Buyer Comment (2025-04-25): XXXXX

04/29/2025

1

D

A

D

A

D

A

D

A

D

A

VA

Primary

Purchase

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75910406

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared.

Reviewer Comment (2025-04-29): XXXXX

04/29/2025

1

B

A

C

A

B

A

C

A

B

A

VA

Primary

Purchase

Lender to provide updated ATR/QM status

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

75910406

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

QM Points and Fees XXXXX

Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXX or .XXX%).

XXXXX Points and Fees exceed allowable threshold by $XXXX or .XXXX%.

Reviewer Comment (2025-04-29): XXXXX Buyer Comment (2025-04-25): XXXXX

04/29/2025

1

C

A

C

A

C

A

C

A

C

A

VA

Primary

Purchase

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75910406

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements.

File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates.

Reviewer Comment (2025-04-29): XXXXX Buyer Comment (2025-04-28): XXXXX

04/29/2025

1

B

A

B

A

B

A

B

A

B

A

VA

Primary

Purchase

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75910406

XXX

Credit

Missing Document

General

Missing Document

Missing Document: HUD/CD (Asset) not provided

Settlement Statement provided for the sale of XXXXX was an Estimate. Missing evidence of funds being received by the borrower.

Reviewer Comment (2025-04-29): XXXXX Buyer Comment (2025-04-25): XXXXX

04/29/2025

1

C

A

C

A

C

A

C

A

C

A

VA

Primary

Purchase

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75910406

XXX

Credit

Asset

Asset Calculation / Analysis

Asset

Available for Closing is insufficient to cover Cash From Borrower.

Missing Final Settlement Statement for the sale of XXXXX or evidence of deposit in the amount of $705,191.46.

Reviewer Comment (2025-04-29): XXXXX Buyer Comment (2025-04-25): XXXXX

04/29/2025

1

C

A

C

A

C

A

C

A

C

A

VA

Primary

Purchase

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75910406

XXX

Credit

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

Guideline Requirement: PITIA reserves months discrepancy.

Missing Final Settlement Statement for the sale of XXXXX or evidence of deposit in the amount of $705,191.46 to meet reserve requirements.

Reviewer Comment (2025-04-29): XXXXX Buyer Comment (2025-04-25): XXXXX

04/29/2025

1

C

A

C

A

C

A

C

A

C

A

VA

Primary

Purchase

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75910406

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reserves not met due to missing Final Settlement Statement for the sale of XXXXX or evidence of deposit in the amount of $XXXX.

Reviewer Comment (2025-04-29): XXXXX Buyer Comment (2025-04-25): XXXXX

04/29/2025

1

C

A

C

A

C

A

C

A

C

A

VA

Primary

Purchase

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

75910406

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $97.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

Cure provided at closing.

Reviewer Comment (2025-04-23): XXXXX

04/23/2025

1

A

A

A

A

A

A

A

A

A

A

VA

Primary

Purchase

Final CD evidences Cure

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

75910406

XXX

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

Reviewer Comment (2025-04-29): XXXXX Buyer Comment (2025-04-25): XXXXX

04/29/2025

1

A

A

A

A

A

VA

Primary

Purchase

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

72599081

XXX

Credit

Guideline

Guideline Issue

Guideline

Missing required Transcripts (1040).

Borrower qualified with 2 year bonus income, require tax transcripts for the years XXXXX

Reviewer Comment (2025-04-17): XXXXX Buyer Comment (2025-04-16): XXXXX

04/17/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Rate/Term

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

72599081

XXX

Compliance

Compliance

Federal Compliance

Missing Required Data (other than HUD-1 or Note)

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which XXXXX impact high cost findings.

Mortgage Payoff Statement missing for subject property paid mortgages mentioned per final 1003.

Reviewer Comment (2025-04-17): XXXXX Buyer Comment (2025-04-16): XXXXX

04/17/2025

1

B

A

B

A

B

A

B

A

B

A

CA

Primary

Refinance - Rate/Term

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

70182118

XXX

Credit

Guideline

Guideline Issue

Guideline

Missing required Transcripts (1040).

1 year + YTD Income was used to qualify and the XXXXX W-2 Transcript was not provided. MS

Reviewer Comment (2025-04-14): XXXXX Buyer Comment (2025-04-11): XXXXX

04/14/2025

1

C

A

C

A

C

A

C

A

C

A

CT

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

70182118

XXX

Credit

Guideline

Guideline Issue

Guideline

Missing required Transcripts (1040).

1 year + YTD Income was used to qualify and the XXXXX W-2 Transcript was not provided. MS

Reviewer Comment (2025-04-24): XXXXX Buyer Comment (2025-04-23): XXXXX

04/24/2025

1

C

A

C

A

C

A

C

A

C

A

CT

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76498860

XXX

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: AUS not provided

AUS provided reflects Lightstream #XXXXX and #XXXXX were omitted.  Documents provided reflect these accounts were paid off prior to closing.  Need updated AUS reflecting the accounts marked paid by closing (not omitted) and the loan must be resubmitted to DU.

Reviewer Comment (2025-04-17): XXXXX Buyer Comment (2025-04-16): XXXXX Buyer Comment (2025-04-15): XXXXX

04/17/2025

1

C

A

C

A

C

A

C

A

C

A

TN

Primary

Purchase

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

71205097

XXX

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

-

Missing XXXXX W2 for XXXXX, Inc. Borrower is qualifying on wages only from this C-Corp due to lack of 100% ownership.

Reviewer Comment (2025-04-16): XXXXX Buyer Comment (2025-04-14): XXXXX

04/16/2025

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Refinance - Cash-out - Other

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

71205097

XXX

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: AUS not provided

New exception as a result of documentation provided. The XXXXX W2 was provided which resulted in lower income increasing the DTI to 33.42187%. Provide new AUS and 1008 using income of $47,458.14 (monthly) with corrected DTI.

Reviewer Comment (2025-04-24): XXXXX Buyer Comment (2025-04-22): XXXXX

04/24/2025

1

A

A

A

A

A

WA

Primary

Refinance - Cash-out - Other

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76278578

XXX

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

Reviewer Comment (2025-04-23): XXXXX Buyer Comment (2025-04-22): XXXXX

04/23/2025

1

B

A

B

A

B

A

B

A

B

A

TX

Primary

Purchase

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76278578

XXX

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: Tax Certificate not provided

Tax Certificate is missing for subject property.

Reviewer Comment (2025-04-24): XXXXX Buyer Comment (2025-04-23): XXXXX

04/24/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76278578

XXX

Credit

Credit

Credit Documentation

Guideline

Missing Document: Asset not provided

Missing evidence of equity advance from existing home

Reviewer Comment (2025-04-24): XXXXX Buyer Comment (2025-04-23): XXXXX

04/24/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Purchase

C

A

C

A

B

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77511271

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $8,612.70 exceeds tolerance of $5,033.10.  Insufficient or no cure was provided to the borrower.

Loan Discount Points was disclosed as $5,033.10 on Initial CD and $8,612.70 on Final CD. Evidence of cure was not provided in file. No Valid COC in file.

Reviewer Comment (2025-04-30): XXXXX Buyer Comment (2025-04-29): XXXXX

04/30/2025

1

C

A

C

A

C

A

C

A

C

A

NM

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

74285033

XXX

Credit

Loan Package Documentation

Application / Processing

Loan Package Documentation

Missing Document: Purchase Agreement / Sales Contract not provided

Require Purchase Agreement/Sales Contract as it is missing in file.

Reviewer Comment (2025-04-30): XXXXX Buyer Comment (2025-04-28): XXXXX

04/30/2025

1

D

A

D

A

D

A

D

A

D

A

UT

Second Home

Purchase

D

A

D

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76554440

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee.  Fee Amount of $600.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.

Missing COC and no cure provided at closing

Reviewer Comment (2025-04-03): XXXXX Buyer Comment (2025-04-02): XXXXX Reviewer Comment (2025-04-01): XXXXX Buyer Comment (2025-03-28): XXXXX Reviewer Comment (2025-03-27): XXXXX Buyer Comment (2025-03-25): XXXXX Reviewer Comment (2025-03-20): XXXXX Buyer Comment (2025-03-19): XXXXX

04/03/2025

2

C

B

C

B

C

B

C

B

C

B

FL

Second Home

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

76554440

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan).  Fee Amount of $105.00 exceeds tolerance of $77.00.  Insufficient or no cure was provided to the borrower.

Missing COC and no cure provided at closing

Reviewer Comment (2025-04-03): XXXXX Buyer Comment (2025-04-02): XXXXX Reviewer Comment (2025-04-01): XXXXX Reviewer Comment (2025-03-27): XXXXX Buyer Comment (2025-03-25): XXXXX Reviewer Comment (2025-03-20): XXXXX Buyer Comment (2025-03-19): XXXXX

04/03/2025

2

C

B

C

B

C

B

C

B

C

B

FL

Second Home

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

76849451

XXX

Property

Property - Appraisal

Appraisal Documentation

Property - Appraisal

Loan is to be securitized. Secondary  valuation is missing. Sec ID: 2

Require CDA.

Reviewer Comment (2025-04-10): XXXXX Buyer Comment (2025-04-09): XXXXX Reviewer Comment (2025-04-04): XXXXX Buyer Comment (2025-04-04): XXXXX

04/10/2025

1

D

A

D

A

D

A

D

A

D

A

WA

Primary

Refinance - Cash-out - Other

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76849451

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared.

Reviewer Comment (2025-04-04): XXXXX

04/04/2025

1

B

A

C

A

B

A

C

A

B

A

WA

Primary

Refinance - Cash-out - Other

Lender to provide updated ATR/QM status

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

76849451

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines

General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 57.54854% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)

Per AUS DTI is 37.51% and calculated DTI is 57.54% as per AUS omitted 3 tradelines from DTI calculation XXXXX, XXXXX & XXXXX; however, supporting document missing in the file therefore included in DTI calculation which caused DTI to be over guidelines. Also since distributions used for income Borrowers income $13168.83 vs AUS of $13239.50 as Depreciation does not calculate in as per worksheet.

Reviewer Comment (2025-04-04): XXXXX Buyer Comment (2025-04-04): XXXXX

04/04/2025

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Refinance - Cash-out - Other

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76849451

XXX

Credit

Credit

Credit Documentation

Guideline

Missing Document: Asset not provided

As per guide, require CPA letter confirming that the withdrawal of the funds from the business will not harm the financial strength of the business for Acc # XXXXX.

Reviewer Comment (2025-04-04): XXXXX Buyer Comment (2025-04-04): XXXXX

04/04/2025

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Refinance - Cash-out - Other

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76849451

XXX

Credit

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Per AUS DTI is 37.51% and calculated DTI is 57.54% as per AUS omitted 3 tradelines from DTI calculation XXXXX, XXXXX & XXXXX; however, supporting document missing in the file therefore included in DTI calculation which caused DTI to be over guidelines. Also since distributions used for income Borrowers income $13168.83 vs AUS of $13239.50 as Depreciation does not calculate in as per worksheet.

Reviewer Comment (2025-04-04): XXXXX Buyer Comment (2025-04-04): XXXXX

04/04/2025

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Refinance - Cash-out - Other

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76849451

XXX

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor Guidelines Violation

General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.

Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared.

Reviewer Comment (2025-04-04): XXXXX

04/04/2025

1

C

A

C

A

C

A

C

A

C

A

WA

Primary

Refinance - Cash-out - Other

D

A

C

A

C

A

D

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

72826035

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $210.00 exceeds tolerance of $130.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-04-09): XXXXX

04/09/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Refinance - Rate/Term

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

72826035

XXX

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Tax Return Fee.  Fee Amount of $14.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-04-09): XXXXX

04/09/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Refinance - Rate/Term

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

76235944

XXX

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Characteristics are rural and zoning is Exclusive working farms use. Requires additional review for investor acceptance.

The representative FICO score is above 680. Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than or equal to 70%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points.

770 vs 720

SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC

Reviewer Comment (2025-03-10): XXXXX Buyer Comment (2025-03-10): XXXXX Reviewer Comment (2025-03-07): XXXXX Buyer Comment (2025-03-06): XXXXX Reviewer Comment (2025-02-28): XXXXX Buyer Comment (2025-02-26): XXXXX

03/10/2025

2

B

B

B

B

B

B

B

B

B

B

OR

Primary

Refinance - Rate/Term

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76235944

XXX

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Provide AUS that is ineligible for loan amount only. The AUS is currently ineligible for limited cash-out refinance and amount of cash taken out of the subject property equity.

Reviewer Comment (2025-03-06): XXXXX Buyer Comment (2025-03-06): XXXXX Reviewer Comment (2025-03-05): XXXXX Buyer Comment (2025-03-05): XXXXX Reviewer Comment (2025-03-04): XXXXX Buyer Comment (2025-02-28): XXXXX Reviewer Comment (2025-02-17): XXXXX Buyer Comment (2025-02-15): XXXXX

03/06/2025

1

A

A

A

A

A

OR

Primary

Refinance - Rate/Term

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76235944

XXX

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

The AUS must be re-associated with credit report ID XXXXX and dated XX/XX/XX - The AUS in file is currently associated to credit report ID XXXXX dated XX/XX/XX.

Reviewer Comment (2025-02-17): XXXXX Buyer Comment (2025-02-15): XXXXX

02/17/2025

1

A

A

A

A

A

OR

Primary

Refinance - Rate/Term

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76235944

XXX

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Provide 1004D to include photos of all completed work - The 1004D only includes one photo of completed work.

Reviewer Comment (2025-03-07): XXXXX Buyer Comment (2025-03-06): XXXXX Reviewer Comment (2025-03-05): XXXXX Buyer Comment (2025-03-05): XXXXX Reviewer Comment (2025-03-03): XXXXX Buyer Comment (2025-02-26): XXXXX

03/07/2025

1

A

A

A

A

A

OR

Primary

Refinance - Rate/Term

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

76235944

XXX

Credit

Credit

Miscellaneous

Guideline

Credit Exception:

Provide 1004D that reflects subject property has been fully completed per plans and specs. Appraiser to confirm and provide photos that the shop and sauna have been completed.

Reviewer Comment (2025-04-03): XXXXX Buyer Comment (2025-04-03): XXXXX Reviewer Comment (2025-04-01): XXXXX Buyer Comment (2025-03-31): XXXXX

04/03/2025

1

A

A

A

A

A

OR

Primary

Refinance - Rate/Term

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

79040132

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Amount Financed Test

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXX is over disclosed by $XXX compared to the calculated Amount Financed of $XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX).

Amount financed disclosed is $XXX. Calculated amount financed is $XXXX . Variance of $XXXX .

Reviewer Comment (2025-04-21): XXXXX Reviewer Comment (2025-04-15): XXXXX Reviewer Comment (2025-04-14): XXXXX Buyer Comment (2025-04-11): XXXXX

04/21/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Second Home

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

79040132

XXX

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX).

Finance Charge disclosed is $XXX. Calculated finance charge is $XXXX . Variance of $XXXX.

Reviewer Comment (2025-04-21): XXXXX Reviewer Comment (2025-04-15): XXXXX Reviewer Comment (2025-04-14): XXXXX Buyer Comment (2025-04-10): XXXXX

04/21/2025

1

C

A

C

A

C

A

C

A

C

A

NJ

Second Home

Purchase

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

YeAF313:AW314s

[redacted}

[redacted}

[redacted}

[redacted}

77592627

XXX

Compliance

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX.

Reviewer Comment (2025-04-14): XXXXX Buyer Comment (2025-04-10): XXXXX

04/14/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Rate/Term

TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted}

[redacted}

[redacted}

[redacted}

77315105

XXX

Compliance

Compliance

Federal Compliance

Compliance

Subject to Rescission

Loan is subject to Rescission.

Reviewer Comment (2025-04-16): XXXXX

04/16/2025

1

A

A

A

A

A

A

A

A

A

A

MA

Primary

Refinance - Rate/Term

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted}

[redacted}

[redacted}

[redacted}

77315105

XXX

Compliance

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.

Reviewer Comment (2025-04-15): XXXXX Buyer Comment (2025-04-14): XXXXX

04/15/2025

1

C

A

C

A

C

A

C

A

C

A

MA

Primary

Refinance - Rate/Term

TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes